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How to Rebuild Your Credit After Debt Settlement

Debt settlement is designed to help you regain control over your finances, but unfortunately, it hurts your overall credit rating. This is because the debt settlement company uses a process of “aging” your debts. For the settlement to work, you must have stopped making the payments on your unsecured...

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Modern Spender: A Graphic Designer in New York

Welcome to Modern Spender, where we ask people to track their spending habits for seven consecutive days. This edition features Ben, a 28-year-old graphic designer who lives in New York City and makes $90,000 per year. BACKGROUND Occupation: Graphic Designer, Apparel Industry Location: New York, NY Salary: $80,000 + Freelance...

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3 Practical Ways to Save Money as a Single Parent

Raising children is expensive, and it can be especially challenging to get ahead when circumstances have the entire family surviving on a single salary rather than on dual incomes. As a single parent, you need to carefully budget and save for emergencies and significant expenses such as putting the...

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How to Stop Living Paycheck-to-Paycheck

Living paycheck-to-paycheck can be overwhelming, especially when there are a few days every month when your bank account balance is at zero and you don’t have any money for necessities, let alone if your car breaks down or you have a dental emergency. So how can you break the cycle?...

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