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How to Improve Your Credit Score

Last week, we talked about why your credit score is important, and what it can do for you. This week, we’re taking a look at how you can improve your score if you’re just now becoming aware of it.

All in all, it’s not a hard or complicated process, but it does take some time to see improvements. Unless you make a few drastic changes, you’re looking at taking a few months to a year to make amazing progress.

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How to Break Bad Spending Habits (and Create Good Ones)

No one in this whole wide world of ours is immune from some sort of bad money habit. For me, it’s spending at the grocery store. I love to eat and I love food. I like wandering around, looking at all the options available – ready made, ingredients to make something comforting and delicious, or a new dish to try.

I have to summon an iron will every time I go grocery shopping so I don’t walk out with basically all the candy, peanut butter, and sushi the store has to offer.

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Why Debt is Not Normal

I live with three housemates. Three of us also have significant others, meaning there are seven people in and out of my house regularly.

Of those seven people, five of us have some kind of debt: student loans, credit cards or a mortgage. Sadly, our numbers reflect the average American: the average American household carries $15,611 in credit card debt, $155,192 in mortgage debt, and $32,264 in student loan debt. 

Despite the fact that everyone seems to have some kind of debt, debt is not normal.

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