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Ways to Get Free Cell Phones


Cell phones are a necessity, yet they end up being very costly. Luckily, there’s a very successful government program - the Lifeline Program - which offers free cell phones to eligible citizens. You can check your eligibility here.   If you’re eligible, you can find a list of carriers who will be able to provide you with your cell phone and service listed by state here...


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Free Personal Finance Resources


Sometimes, improving your financial situation is just a matter of knowing how. The internet has made it easier than ever to learn almost anything, including how to deal with your finances. If you feel lost when it comes to your finances or simply feel you don’t know as much as you could, check out these free resources:   Dave Ramsey   As a radio personality and best-selling auth...


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How to Find Free Bedroom Furniture


Bedroom furniture is almost always expensive. One piece can sometimes cost a full check. Thankfully, there is free furniture available, if you know where to look. Of course, asking friends and family is always a great place to start. However, if that doesn’t yield results, try some of these:   Furniture Banks Furniture banks offer free and low cost (gently used) furniture to those in...


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How to Find Help With Rent


We’ve all run into hard times. When money challenges arise, rent is one of the hardest things to pay. Whether you’re experiencing a hard time right now or making sure you know where to turn in the event that you end up in this position, it is surprisingly difficult to find help. That’s why we’ve compiled four organizations and programs that assist with rent. Modest Ne...


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How to Reduce Financial Stress


When there’s a lot of financial responsibilities on your plate, it often puts a lot of unwanted weight on your back. For many people, financial stress is often accompanied by unhealthful coping behaviors such as overeating, anger outbursts and excessive alcohol consumption. If you’re looking for a solution, follow these tips and you may be able to pave your way towards financial stabil...


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5 Items That You Should Always Buy Used


While we’d all like to buy everything brand new, sometimes this simply isn’t possible. Thankfully, not only are some things okay to buy used, they’re a better bargain! These are the things you should always buy used:   Cars Even though you’ll have to spend a bit more on maintenance, used cars still typically end up being a better bargain. Buying a car that is four y...


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How to Save Money By Going Green


Typically, when you think of going green, you think of expensive gadgets, home modifications, and foods. It can seem as though only the rich can afford to save the planet. However, living green can actually save you money! Try these simple tips to keep both the planet and your wallet green.   Carpool Sharing a ride not only saves on gas but decreases the amount of emissions released into t...


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Three Ways Foreclosure Affects Credit


Foreclosure is almost never a fun topic but if you’re experiencing it, you need as much information you can find. One of the most important things to know is that it affects your credit. Here’s how: Credit Score Drops As expected, your credit score takes a pretty serious hit. Unfortunately, the better your score, the more points it will drop.   It’s Reported A foreclosu...


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What Lenders Look For in a Loan Application


Applying for a loan can seem like a hard gamble. You can either get  approved or denied for a thousand reasons that you’re in the dark about. It’s important to know what lenders look for so you have a better chance of getting approved. It essentially boils down to the Five C’s:   Credit History There are three specific aspects of credit history that lenders tend to f...


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6 Things to Check When Buying a Used Car


When you’re looking for a used car, it’s important to give due diligence. You don’t have to be a car expert to make sure that you are getting your money's worth. Make sure to check these six things. 1. The PriceCheck Kelley Blue Book to make sure that the advertised price is fair. Take into consideration any dents, scratches, and function issues. 2. FluidsThe brake fluid sh...


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