Piggy Bank Retirement Savings

When it comes to personal finance, saving for retirement can be one of the more difficult topics to tackle. It is hard for many people to envision what their lives might look like 30 years in the future, so planning for retirement is often put on the backburner for things that might provide more immediate returns. How many times have you thought, or heard, “How can I plan for retirement when I don’t have any money to begin with?” Yet, saving for retirement should be an essential planning consideration if you don't want to rely on the welfare system in your retirement years, or live with your children because you can't afford to live on your own.

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Your credit score will help you save in the long-run.

Credit Report

What does your credit score tell lenders?

 

Having a high credit score is what some people would call the real American Dream...The concept of credit is really just a history of formations of trust between you and whoever is lending you money - you are promising to pay back money that you have borrowed. Young adults, for example, might want to purchase a car, but maybe haven’t saved up enough to pay for it outright. The options and methods that one can use to pay for things without having cash in-hand can be confusing and intimidating to sort out, but also can provide relief and security when in a pinch or desperately need to make a large purchase. So, whether you are financing a car, applying for a credit card, or leasing an apartment, chances are that your credit score will have a major impact on your financial opportunities at many different points in your life.

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Cash in hand from personal loans

Everyone gets themselves into a financial pinch at least once in awhile. Whether you had to miss a week of work because of an illness, or an unexpected car repair comes up, there are bound to be times when your paycheck may not cover all of your monthly expenses. If your savings are running low, and you need money to cover a short-term expense (like a monthly bill), know that you have options that can help you get through those temporary tough times. 

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Credit Card Debt Negotiation

Most of us are guilty of having at least some credit card debt. It is incredibly easy to reach into your wallet, move right past the cash, and grab one of the various pieces of plastic to pay for items, whether we can actually afford it or not. “I’ll buy it now, and I will worry about paying it off later!” Sound familiar? Don’t worry, you’re not alone. According to Forbes, around 75% of all Americans have at least one credit card, so that temptation is shared by plenty of other folks.

 

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