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December 23, 2020 7:15 AM Lisa Rowan - Forbes Advisor
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December 25, 2020 9:45 AM
Emptied out your piggy bank to buy holiday gifts? Or maybe you wish you had just a little extra money to buy yourself something special. Picking up a side hustle may not be feasible for you, and it takes time to earn your first paycheck.
Instead, try looking in these five places for extra money. Whether you have cash waiting for you or just have to complete a few steps to access it, there’s a good chance you’ll be able to find a few bucks to put toward your next purchase.
How To Make a Financial New Year s Resolution You ll Actually Keep | Personal Finance
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December 23, 2020 4:30 AM Lisa Rowan - Forbes Advisor
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December 25, 2020 4:10 AM
After a strange and frustrating 2020, you’re probably looking forward to a fresh start in the new year. And if this year threw your finances for a loop, a money-related New Year’s resolution might be on your list of ways to improve your life in 2021.
Nearly two-thirds of Americans are considering a financial resolution for the new year, according to Fidelity Investments’ Annual Resolutions Study. The most popular financial resolutions among people considering one? Save more money, pay down debt and spend less money.
But simply making a resolution doesn’t mean you’ll be able to keep it. Only about 40% of people who make resolutions are still on track to meet their goals by June. If you want to be in the group that succeeds, you should be prepared for unique challenges that can make it harder to achieve financial goals.
1. Recognize That Financial Resolutions Can Be Tricky
Talking about money can be hard, which means you may not feel comfortable shouting your financial goals (or your challenges) from the rooftop. And that can make it harder to set and stick to a financial goal.
âFinance is an area of our lives far more difficult to address than many others,â says Cecile Lyons, a psychologist specializing in financial psychology. âThereâs a lack of transparency, and a sense of shame that may go along with behavioral patterns a person has or doesnât have.â And because you may not feel completely comfortable talking about your finances with others, you might hesitate to tell people about your resolution, or enlist a friend to help keep you accountable as you progress.
5 Unconventional Ways to Build Credit
You can raise your credit score even without a credit card.
The worst part about building credit? The nagging pressure to put all your expenses on credit cards to build that glowing credit score.
Yes, making timely payments on traditional loans and credit cards is the most common way to prove you’re fiscally responsible. But what if the temptation to spend plentifully with plastic and the likelihood of forgetting about the eventual bill is just too great?
There are options available to the credit-averse. You just have to know where to look and be willing to try a few unconventional methods to build credit without a credit card.
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