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Publish Date:
Tuesday, January 31, 2012
Cutting back during tough economic times
If you're having money struggles, you're likely not alone. The sluggish economy has hurt many people, but there is no reason to give up on restructuring your financial situation. There are a few things you can do to make sure that your checking account stays afloat.
First, consider cutting back where possible. This may mean eating out less or lowering the number of times you head to the bar with your friends. However, staying in doesn't have to be a bore. Invite your friends over to hang out instead of going out and splurging.
Next, make a list before heading to the grocery store. This will help you avoid buying things you don't necessarily need. Don't forget to shop through the discount aisle and clip a few coupons, too!
Finally, try to avoid using credit at all costs. This will only build debt and reduce your credit score, making it difficult to borrow in the future. Use cash or your debit card whenever possible.
Speak to a live psychic and receive a tarot reading if you want further peace of mind. A psychic can use her talents to predict if your financial situation is bound to improve in the near future.
Publish Date:
Tuesday, January 24, 2012
Is it time for a new car?
You bought this car used when you were 20 years old, after you'd finally saved up enough money from your job at the local deli. It was old then, and it's even older now! The bumper is falling off, the engine barely runs, the gas mileage is atrocious and one of the windows doesn't even roll down anymore. It's a lemon, through and through, but you just don't have enough money to afford a new one right now. What to do?
Although a new car may seem like a massive investment, it's important to realize that the car you drive now isn't exactly free. On an old machine, repairs can really start to add up. If you're sinking more than a few hundred bucks a year into fixing up your vehicle, you could easily have spent that money on payments for a new one instead! Plus, if your gas mileage is getting worse and worse, you're hemorrhaging cash that way too. If your vehicle is unsafe, you're even risking massive medical bills and insurance payments should you wind up in an accident.
A new car is pricey, but it doesn't have to break the bank. For the best value, buy a used car that's a only a couple of years old. The car depreciates the most right after you drive it off the lot, so let someone else take that initial hit and pick up a much cheaper vehicle with only a few thousand miles on it just a year or two later. Find a dealer that will let you pay in installments for added financial stability.
For more advice, contact a psychic. Our gifted psychics can peer into the future and see if now's the time to invest in a new vehicle, or if your old one's still got legs - er, wheels.