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Building a conscious spending plan before the summer
Managing Your Money

Building a conscious spending plan before the summer

Warm weather brings seasonal activities that many eagerly await, but planning outings this summer can be costly if you don’t plan in advance. In fact, a recent survey found that 58 percent of respondents said that affordability is the primary factor getting in the way of planning a summer vacation.Although ...

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What is a conscious spending plan?
Managing Your Money

What is a conscious spending plan?

Budgets get a bad rap because they’re often focused on cutting out spending on fun, and people rarely stick to them over the long term. Conscious spending is a different way of planning for your monthly income that prioritizes mindfulness over simply spending without thinking.People are often more successful in ...

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4 steps to creating a conscious spending plan that works for you
Managing Your Money

4 steps to creating a conscious spending plan that works for you

According to a OnePoll for Ladders survey, the average U.S. adult spends almost $1,500 each month on things they can do without, such as restaurant meals, drinks, takeout or delivery, paid apps, streaming services, and coffee. At the same time, Americans aren’t spending money on some arguably essential items: 40% said they ...

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7 ways to maximize your savings at the grocery store
Managing Your Money

7 ways to maximize your savings at the grocery store

With the price of food on the rise, grocery bills are growing along with it. It can be a challenge to stick to your grocery budget while also trying to check everything off your list. But, with a little effort, you can keep your weekly grocery bill on budget. Whether ...

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No more money stress: Budgeting 101 for beginners
Managing Your Money

No more money stress: Budgeting 101 for beginners

Do you have a budget? It’s a core factor in improving your financial well-being – both for today and the future. Consider this guide your “budget buddy” and get started today.What is a budget?We hear the word a lot, but what does it really mean to make a budget? At ...

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When “Buy Now, Pay Later” turns into “Buy Now, Pay Forever”
Managing Your Money

When “Buy Now, Pay Later” turns into “Buy Now, Pay Forever”

“Buy now, pay later” (BNPL) sounds ideal as a payment method – you get to enjoy that coveted bauble now without worrying about saving up for the whole amount, which can be harder than ever as inflation soars. And on the surface, it seems like a responsible way to purchase ...

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