Personal finance advice and what you need to know by Valentino Crawford Jr

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Personal Finance Advice And What You Need To Know by Valentino Crawford | on August 24, 2012 Financial troubles can cause all sorts of physical and psychological problems. Everything from your ability to afford healthy food–or any food at all–to your social life is impacted by financial problems. Below are some tips to help you improve your finances. You can improve your credit rating by paying your bills on time and in full each month. Paying your bills on-time or early allows you to come up with a budget each month. It also provides you with a cushion in the event of an unexpected expense, allowing you to pay your bill a little later than normal without it being late. If you are below 21 years of age and looking for a credit card, know that there have been rule changes in recent years. In the past, credit cards were handed to students freely. Today, you must have verifiable income or a co-signer to qualify. Figure out what the card’s requirements are prior to applying. TIP! Poor financial decisions can be made under the influence of alcohol, so reduce your intake. W hen you’re out at a bar or a friends, drink w ater instead of liquor.

Speak with your friends and family about the situation that you are in and ask for their help. When you do this, you won’t have to feel guilty if you decline an invitation because you can not

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When you do this, you won’t have to feel guilty if you decline an invitation because you can not afford it. If you are not firm with others, they may continue to push you into spending more than you should. Keep your close relationships strong by letting friends know about your financial challenges. If you want your personal finances to be healthy, you should limit your access to credit. Having more credit that you really should it can impact your credit in a negative way, this can cost you a lot of money. Always be aware of the best time to file your tax return. If you file for your refund with the IRS early, you will receive your money much quicker. If you expect to owe money, you ought to file close to the April 15 deadline. TIP! Don’t neglect a flexible spending account, if you have one. It can help pay for medical and daycare bills, and can cost less money in the long run because of how it is funded.

Credit Card Credit card debt plays a big role with your FICO score. The more you owe, the worse your score will become. Your score will improve as you pay off debt. It is a good rule of thumb to keep credit card balances at or below 20% of your credit limit. Try to pay off credit card debt as soon as you can. Even with a minimal debt, you still are paying to let the credit card company roll your debt over. This is money that is unnecessarily spent! Make it a goal to pay off your cards in full whenever they are due. TIP! If you’re planning to buy a vehicle or a home, you need to initially improve your score w hen it comes to credit. There are a couple of w ays to do this.

By learning how to take care of your cash flow, you’ll have a well controlled property. Track the value of your home, and look at your home as a long term investment. Keep a budget to keep you on track. If you can barely live check to check, you may need to get overdraft protection, which you may be able to get at your credit union or bank. While it may cost you a couple of dollars monthly, it’s much less than the usual overdraft charge of $20 or more for each transaction.

Incandescent Bulbs TIP! Taking small steps tow ards grow ing your personal finances can add up quickly. Opt to brew your ow n coffee instead of purchasing from the coffee shop every morning.

Older incandescent bulbs should be replaced with newer CFL bulbs, which are much more energy-efficient. If you replace your bulbs, you can lower your electricity costs and benefit the environment. In addition, CFL bulbs have a longer lifespan than incandescent bulbs. You’ll buy fewer bulbs, and that means spending less money. Working on improving you personal finances can enable you to get a better picture on where you stand financially. Straightening out your finances is an excellent way to reduce stress and allow yourself to focus on some important issues that you may have been ignoring P.S.-If you love the personal finance niche and would love to make an extra $1000/day blogging about your company, find out how our team is helping thousands of people make money about their passions! Discover why this game-changer is the most bad-ass make money online program in the industry! This entry was posted in Money Tags: cfl bulbs, credit card debt, incandescent bulbs, personal finances « Previous Post

About The Author: Valentino Crawford Prior to Empow er Netw ork Dream Team, I w as a frustrated netw ork/internet marketer. I w as told to make a list of friends and family to invite to home parties, hotel meetings, and do 3-w ay calls w ith. I got sick and tired of being stood up by

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w as something missing, and I thought that the next ‘shiny object’ w as going to be the answ er to my problems...I w as far from being right! The learning curve w as steep, and those w ho w ere successful at

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internet marketing w orked 12-18 hours a day 7 days a w eek putting together sales funnels from scratch. I did not have that kind of time…nor the funds to pay someone to put sales funnels together

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for me. Building a business w hile w orking a 9-5 w as extremely challenging for me…but I never gave up! Now Enter the Empow er Netw ork Dream Team… As a result of plugging into the Empow er Netw ork Dream Team, I am now the ‘hunted’ instead of the ‘hunter’. I generate leads on a consistent basis

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and I make more money doing less w ork. I am part of the most supportive, visionary and familyoriented team in the industry…forging relationships that I am sure w ill last a lifetime! If you are looking

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to make a change in your life and love to be part of an extremely supportive community of badass entrepreneurs w ho know how to build a business w hile having a life, then I HIGHLY recommend that you to click the link below NOW, because w e have a PROVEN formula that w ill allow you to FINALLY

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live the life of FREEDOM that you deserve! "The Ultimate Goal is Self-Mastery." Once you begin to take accountability for your ow n actions, you w ill no longer make excuses for yourself...nor tolerate anyone

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else's. "Perception is reality. Reality is life. The w orld is an Illusion. How deep DOES the rabbit hole go? We are on an interesting journey to say the least. Let's go!" There is so much out here the w orld has

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to offer...but w hat do YOU have to offer? I believe the more VALUE you give to the w orld around you, the more you can truly enjoy w hat life has in store for you. There is more than enough abundance for everyone out here, but you must CLAIM it by tapping into YOUR source of unlimited

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potential. Let's W ORK together to unlock that pow er that lies w ithin each and everyone of us. Valentino Craw ford enjoys entrepreneurship, personal development, online marketing, reading,

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traveling, helping folks that w ant to help themselves.

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