Category: Personal Finance

How to make a budget in excel

How to Create a Budget in Excel

The key to getting your finances under control is making and following a budget. But how do you go about doing that? There are plenty of paid and free apps out there, but the simplest way is to use software many people already have on your computer: Excel. Even if you’ve never touched Excel in

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What is the 50-20-30 budget rule

What is the 50/30/20 Budget Rule?

The 50/30/20 rule is a way of planning your spending. You use 50% of your income for needs such as housing, food, and other fixed expenses. Then 30% goes to wants, such as hobbies and leisure activities. And 20% goes toward saving for a rainy day and paying off debt faster. Despite modern advantages, many

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64 Tricks So You Can Be More Frugal

64 Tricks So You Can Be More Frugal

Being frugal is so much more than pinching pennies and saving as much money as possible. Mastering your spending habits ensures that you are more likely to have enough money for your needs and the things that are most important to you. Plus, you enjoy peace of mind from avoiding and controlling debt.  Frugality isn’t

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Are you financially literate quiz

Are You Financially Literate?

The definition of financial literacy according to Investopedia is, “the ability to understand and effectively apply various financial skills, including personal financial management, budgeting, and investing.” These questions will test how well you understand and apply those personal finance skills.

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Is Filing Your Own Taxes Worth It - Lift Credit

Is Filing Your Own Taxes Worth It?

They say there are two things you can’t escape: death and taxes. After the holiday season you start receiving tax forms in the mail, and you might think about how to file your taxes. Should you hire a tax professional to do it for you, or decide on filing your own taxes for free? While

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Lift Credit fireworks

Achievable Personal Finance Goals for 2020

‘Tis the season of goal making, and it would be a mistake to not set some financial goals for yourself. If you’ve got solid goals and thorough plans to achieve your goals, you’ll have a much more financially comfortable year.  Setting too many goals is a great way to achieve none of them, so we’ve

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Lift Credit christmas presents

How to Stick to a Budget This Christmas

December is by far the most difficult month of the year to stay within a budget.  We’ve all been there; things are tight and the goal was to keep Christmas presents under control, but it’s just so cute! Here are a few things to keep in mind as you try to stay under budget this

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books

Best Personal Finance Books and Why You Should Read Them

In order to be truly successful, learning can’t be something you only do in school. Billionaire Tony Robbins is a great example of this as he attributes a lot of his success to his love of books and learning. If you don’t know every single thing about personal finance, then check out the best personal

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car keys

Financial Planning 101: Buying a Home

Purchasing a home is one of the biggest investments you will make in your lifetime. It requires discernment, strategy, and lots of preparation. It may seem daunting as a first-time buyer, so we’ve prepared some tips to help you out. Here are things to watch out for when buying a home: Save, save, save It

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cash

What is a Personal Loan

Most people are familiar with certain types of loans, like auto loans or student loans. Another type of loan that’s becoming more popular is what’s called a personal loan.  A personal loan is basically just a short-term loan that you can use for “personal” reasons, i.e. almost anything you need or want. People often use

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Fast and Simple Personal Loans, Whenever You Need Them.

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