#Tip #71:
#Don’t store your credit card numbers online on sites.
Storing your credit card information on sites like Amazon makes it easy for you to buy things you don’t need, so don’t do it. Make it harder by not saving your information.
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#Tip #72: #Avoid impulse spending.
Never buy in the heat of the moment. Instead, take some time to thing purchases over—especially when they are large—before making the decision.
#Tip #73: #Do not spend up to your credit limit.
Spending up to your credit limit is rarely a good idea. Instead, try to stay as far away from your limit as possible.
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#Tip #74: #Call your credit card company regularly.
Your credit card company can do a lot for you. It can lower your APR, extend payment deadlines, and allow you to enter into an extended grace payment or a debt repayment agreement. Take advantage of these services, rather than simply not making payments.
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#Tip #75: #Avoid carrying a positive balance on any card that has a positive interest rate.
If a credit card bears a positive interest rate, you should pay it down immediately. Instead, transfer the balance to a card that temporarily has 0% APR or pay it off as soon as is possible.
#Tip #76: #Cut up your credit card.
While closing credit card accounts can often look like a negative on credit reports, no one will know if you cut up a card and threw it out. So cut up most of your credit cards and throw them out, but maintain your accounts.
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Tip #77: #Use a credit card for small purchases.
In order to improve your credit, use your card for small, daily purchases. Pay the balance off from these purchases each month.
Tip #78: #Be mindful of teaser rates.
Most credit card companies will offer an initial teaser rate. Be mindful that this is not your permanent APR, but instead a temporary APR that is likely to change in a matter of months.
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Tip #79: #Never exceed your card’s credit limit.
Exceeding your card’s credit limit often comes with costly penalties. Avoid doing it.
#Tip #80: #Get a copy of your credit report.
At least twice a year, get a copy of your credit report to check for errors or for problems you missed.
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#Tip #81: #Ask your bank for better terms.
Call your bank and ask for better terms. This could help you to eliminate fees and get a higher interest rate.
Tip #82: Switch to a bank that has more ATMs in your area.
If you constantly find yourself paying fees to use other banks’ ATMs, consider switching to a bank that offers more ATMs in your area.
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#Tip #83: #Put money in a certificate of deposit (CD).
CDs often require you to hold money for a given period of time (often 6 months or 12 months). This can be a useful device to prevent yourself from spending the money.
#Tip #84: #Put a fixed fraction of your income into your savings.
Instead of thinking about how much to save each month, automatically put 10% of your income into savings each month. This is a good habit to develop earlier.
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#Tip #85: #Avoid putting money you’ll need soon into stocks.
Stock returns can be volatile relative to other investment instruments; however, for this reason, investing in stocks usually yields a high long-run return. For this reason, don’t invest money you’ll need in the short run in stocks.
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Tip #86: #If you’re planning to put money away for retirement, put it into a mutual fund.
Put retirement savings into a mutual fund. Talk to your advisor to make sure the money is invested well.
#Tip #87: #Invest your money in index funds.
Index funds are often cheapest to invest in and provide one of the best riskadjusted returns. Consider putting retirement savings into index funds.
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#Tip #88: #Cut down on extras on your cell phone plan.
Get rid of extras on your cell phone plan, including extended texting and data plans.
#Tip #89: #Text less frequently.
If you pay on a per-text basis, text less frequently with your cell phone.
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#Tip #90: #Clean your car at home, rather than paying for it.
Instead of bringing your car to the car wash, grab a bucket of soapy water and a big sponge and get to work. You could save yourself a lot of money.
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