Saving and Spending Advice for College Grads 

No matter what profession or path your choice in life, a healthy relationship with money is required to manage, create, and multiply money wisely. How you use your money will always expose the priorities in your life. Your money can only do what you give it permission to do. If you’re not a financially savvy person, choose to learn the basics. I’m sure no one enjoys the annual physicals to the doctor, or cooking dinner, or taking out the trash. However, these are activities in life that are required and personal finance is no different. 

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Need and Wants, What's the Difference? (Video Post)

What is the difference between a need and a want? 

Click here to get your simply money asnwer.

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3 Creative Ways to Declutter Your Home

Many begin to feel overwhelmed, anxious, and defeated around the idea of decluttering their homes. The National Association of Professional Organizers (NAPO) conducted a poll that suggests nearly 65% of Americans feel their home is at least somewhat disorganized, so your not alone. The decluttering journey doesn't need to be a painful experience. Getting rid of clutter is quite the chore, but it can have profound effects on other areas of your life.

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7 Ways to Lower Your Electric Bill 

Electric bill got you down? Fight back with these energy-saving ideas. 

1. Get an energy audit

Many utility companies offer a free home energy audit to customers. If there's no such program in your area, consider conduct your own energy audit instead. To determine areas where you could trim your energy usage. 

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4 Smart Ways to Afford a Baby 

 Many millennials ask: can we afford to have a baby? 

Starting a family is a joyous experience and marks a financial shift in parents’ lives. The cost of raising a child from birth to 18 for a middle-income, two parent family averaged $233,610 (not including college), according to the U.S. Department of Agriculture or $12,350 and nearly $14,000 a year, on average. 

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3 Foolproof Ways to Save Before Your Lunch Break Is Over 

Too many American households are living paycheck to paycheck. According to a Federal Reserve report, nearly half of Americans couldn't cover a $400 emergency expense without borrowing the money or selling something. What’s even more alarming is that many people have no savings at all. And, without adequate savings, a sudden drop in income can be disastrous.

Having a resource (emergency) fund is essential to your financial health. Why not call it an emergency fund? The definition of the word emergency means: a serious, unexpected, and often dangerous situation requiring immediate action. The word emergency signals distress, haywire, and always in reaction to what happens in life. A resource fund means I am financially proactive with a plan to prosper. 

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10 Action Getting Ways To Save

According to the Bureau of Economic Analysis, the average American puts less than 5% of his or her disposable income toward savings.

Americans have struggled for years to save adequately for emergencies, retirement and major life events, and that’s still the case, according to the Consumer Federation of America and the American Savings Education Council survey. According to the survey only 66% reported saving at least some of their income. With just over half of Americans (51%) aren’t even saving 5% of their income and 37% said they do not have enough to pay for an unexpected expense like a car repair or visit to the doctor.

A plan may not guarantee you success, but it could help you get to a better financial situation.  When individuals have specific savings goals they are much more likely to have good savings habits than those without a written plan.

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3 Steps to Make Affirmations Work You

You’re probably thinking, “not another article about the power of affirmation!"

WAIT…Before you decide to ditch this page I need you to promise me one thing. Promise me that you will read this to the end and no matter how simple or easy each inspired action step may be that you will commit to its completion. I’m going to pretend you just gave me a virtual head nod, saying “Yes, Natasha I will give it a try because I’m committed to my breakthrough”. Now that we have a clear understanding, let’s get started.  

Affirm by definition means that you are declaring something to be true. You are always in a state of affirmation whether it be positive or negative. Your words have power, presence and assignment over your life. You can attract success much faster when you have the mindset and attitude to support what it is you desire. 

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Improve Your Relationship With Money With Just 20 Minutes A Day

I believe in repetitious goal writing to expedite greatness. The more you visualize (focus on) it, believe it, and find ways to achieve it, the greater your success. If you’re going to put your energy, time, effort, and heart into it, you might as well do it with integrity and as a form of self-love.

Why Create a Money Journal?

For years, I have kept a money journal to record my changing relationship with money. I believe it’s imperative to have a safe space to be transparent with your thoughts, ideas, and desires with NO judgment. It is one of the essential habits that I do daily. Having a money journal empowers me to move from thoughts to feelings to action. Where attention goes energy and results show. You can use the power of pen and paper to strategize and create anything you desire. 

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