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Step 6 Toward a Debt-Free Life

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Now that we have a budget, let’s slim it down!

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Step 5 Toward a Debt-Free Life

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This month, you’re going to organize your finances. Hold onto every receipt, bill, paystub and invoice you produce throughout the month. Sometime during the last week of May, sit down with all of your paperwork and start crunching the numbers.

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Beware of Tech Support Scams

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The FTC is warning of a surge in tech support scams, many of which can be difficult to spot.

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Step 4 Toward A Debt-Free Life

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You may be feeling impatient to start more aggressively paying down debt, but it’s important to first create an emergency fund.

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9 Steps to Buying Your First Car

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Congrats—you’re ready to purchase your first real car! The process can be daunting, but Citizens FCU will walk you through it. Follow our guidelines for a stress-free ride!

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7 Signs You're Living Beyond Your Means & How To Fix Them

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In the age of plastic spending and mobile payments, it’s easier than ever to buy stuff you can’t pay for right away while supporting a lifestyle you can’t really afford. Look at seven red flags that might mean you’re living beyond your means and the steps you can take to get back on track.

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Step 3 Toward A Debt-Free Life

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If the majority of your outstanding debt is credit card debt, you may be spending hundreds of dollars just on interest alone. Aside from wasting money, this keeps you from moving forward and paying down your debt.

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Tax Scams for 2019

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Each year, the IRS publishes the “Dirty Dozen,” a list of 12 scams that are rampant during that year’s tax season. This year, the IRS is cautioning taxpayers to be extra vigilant because of a 60% increase in email phishing scams over the past year.

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Impulse Control

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By teaching your kids how to impulse purchases, you will be giving them the tools for overcoming that overpowering impulse to buy, buy, buy.

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Step 2 Toward A Debt-Free Life

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When you’ve dug yourself deep into a pit, the only way to get out is to stop digging. This month, focus on not racking up more debt. Stop using your credit cards. Skip your weekly trips that usually have you buying too many non-essentials.

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