Set up your finances so funds are automatically deducted from your paycheck and deposited into a seperate account. As long as money is being stashed away in a savings account, Roth IRA, etc. it will be out of sight, out of mind, and could potentially save you in case of an emergency.
Think about including some dividends stocks in your portfolio. While you could pocket dividends and go on a cruise, the far more responsible use of added cash would be to deposit it into an emergency fund. Filling an account with dividends isn’t the fastest way of saving money, but the extra income certainly adds up.
If your credit report leaves a lot to be desired, it might be time to get a little help. An unimpressive credit score leeches your bank account in more ways than one: high interest rates, loan denial and subpar credit cards all cost consumers in the long term. Seek out credit repair to improve your FICO score, save money on lending, and squirrel away the extra cash for a rainy day fund.
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