Opt For A Fixed-rate Rather Than An

In January We Start Saving Money, Getting Out Of Credit Card Debt, Funding Our Retirement Accounts, And We're Doing Wonderful. Then, Every Single Year Like Clockwork, Starting In November, All Of You Fall Into This Trap That Says, 'i Have To Buy This Gift... I Can't Show Up At This Party And Not Have Something For Everybody.

I Get So Frustrated When People Tell Me It's Unrealistic To Create An Eight-month Emergency Savings Fund, Or Have Money Saved For A Home Down Payment, Or Pay Off Their $5,000 Credit Card Balance.

Recast Your Current Problems Into Proactive Goals.

Late Payments Also Hurt Your Fico Score. And Never, Ever Take Out A Cash Advance On Your Credit Card.

Remember To Remember Your Power - Everything You've Learned With These Steps To Financial Freedom - And Put It All Into Practice Everyday, Because In The Grand Scheme Of Life, You'll Never Really Know How Things Are Meant To Turn Out Until They Turn Out.