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How to Stop Living Paycheck to Paycheck

A recent poll conducted by Bankrate asked respondents if they could pay cash for a major expense such as a $500 car repair or a $1,000 trip to the emergency room. 62% replied "no." It seems most Americans are merely living paycheck to…
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4 Ways to Avoid Taking on More Student Loans

Many Americans rely on student loans to be able to afford college, but taking on too much student loan debt can have far lasting effects. Student loan debt has more restrictions than even consumer credit debts. It’s very difficult to…
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How to Overcome Financial Insecurity

How confident are you about your financial situation? According to this infographic from Masters in Accounting, only 50% of Americans feel financially secure. 57% aren’t ready for a financial emergency, 71% are worried about paying…
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How to Talk About Money Before You're Married

Please welcome XYPN member Cathy Derus to the blog today! Cathy just officially launched her own financial planning firm, Brightwater Financial, and is eager to share her knowledge and expertise to help you achieve your financial goals. It's…
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How Much Should You Put in an Emergency Fund?

Job loss, medical emergency, transmission failure… you know what they say: when it rains, it pours. What they don’t usually say is when financial disasters strike, where you can get the money to cover these issues. Ideally, you can…
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How to Pick a Hobby that Won’t Break the Bank

Editor's note: Please welcome guest contributor Anum Yoon. Anum is a personal finance blogger who's sharing her tips on how you can pick a hobby that won't break the bank this season. These days, it seems as though anything worth doing…
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How to Achieve Financial Empowerment

Have you heard of The Road to Financial Wellness? It's a 30-day, 30-location campaign to raise awareness for financial empowerment. The goal of the team putting this on, a financial brand called Phroogal, is to help people learn about…
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What Does Financial Independence Look Like to You?

At XY Planning Network, our members are always going above and beyond to promote financial education, literacy, and empowerment. They're so much more than just financial planners -- and are passionate about helping everyone, not just their own…
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You Should Invest in Experiences and Relationships, Not Stuff

“People first. Then money. Then things.” Sound familiar? This is the mantra of Suze Orman, and whether you love her or hate her, she has a point here. Are your financial priorities in order? Do you follow Suze’s mantra and put…
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Have Financial Problems? Your Self-Control May Be the Issue

Editor's note: Please welcome guest contributor Anum Yoon. Anum is a personal finance blogger who's sharing her thoughts on a common problem for many looking to get on the right track with their money. It’s late at night and you’re…