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Whether you’re a renter, new to home ownership, or a seasoned pro, it’s wise to watch out for quick and easy tips that will save you money on your household bills and expenses. However, the problem with some home improvement lists is that it takes too much time and/or money, both of which can be in short supply, to implement the improvements.
When you have so much debt that it feels like you're treading water every month, it can be tempting to do what might seem like a good idea at the time, but which could come back to bite you later.
Emergencies and unexpected expenses can strike when you least expect, and it's for this reason that saving money in an emergency fund is essential to good personal finance.
Do you ever wonder how you can manage big, unexpected expenses like Christmas better so that you don’t need help with debt later on? Always feeling like you’re behind with your debts, that you have financial problems, or playing catch up with maxed out credit cards, is stressful. However, July is a great time to turn your money management around; start planning for Christmas now because it’s an expense you can easily predict - you know for sure that it’s coming.
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