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A Dozen Ways to Save your Paycheck
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A Dozen Ways to Save your Paycheck

Pay yourself first! Decide on a specified percent of your take-home pay for savings and set those funds aside before paying any other expenses. Collect coins in a jar. Bank your refunds. Rather than spending an income tax refund, use it to pay down a high-interest credit card debt. Continue paying a loan. Once you...

Making a Budget
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Making a Budget

Making a budget is the most important step in controlling your money. A budget allows you to track your Income (the money that you have) and your Expenses (the money you spend). By writing down your monthly income and expenses, you can see how much money you expect to have for the month and plan...

Five Steps to Credit Repair
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Five Steps to Credit Repair

The first step is to understand how credit works and begin making a plan. Lock away your credit cards. Now, do not close your accounts just yet. You may have difficulty getting new cards if your credit rating is poor. So the first step is to stop using them and stick to your immediate goal...

Get your cash at Circle K Stores nationwide
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Get your cash at Circle K Stores nationwide

Great news! As a member of DuTrac, you can now fill up your tank, grab a drink and get your cash surcharge-free at Circle K Stores with ATMs nationwide through Allpoint. DuTrac, along with about 1,000 financial institutions, partners with Allpoint to give you the freedom to get your cash how you want, without ATM...

CardValet Update May 2
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CardValet Update May 2

On May 2, CardValet® will update its app on Apple® App and Google® Play stores. The digital debit/credit card management application helps reduce fraud by monitoring debit/credit card accounts with a smartphone. Security features include “turning off” your card(s) when not in use, establishing transaction spending limits, and declining a transaction when a charge exceeds...

Understanding Credit Reports
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Understanding Credit Reports

Maintain Your Reputation The loan officer keys your application information into the computer, but you are thinking of the new ride you are going to buy. Those thoughts are interrupted when the loan officer drops the bomb. You do not qualify for a loan; you credit report has too many negative events. Poof – the...

Tips for Students Going Off to College
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Tips for Students Going Off to College

Stick to a Budget The word budget scares off many adults as well as teens, but a budget is the best way to ensure discipline with your finances. Start by estimating monthly expenditures for major categories such as school expenses, transportation, food, clothing and entertainment. Keep tabs on spending with an Excel spreadsheet or keep...

Using Credit Wisely
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Using Credit Wisely

Credit is an important financial tool. Good credit allows consumers to purchase many different kinds of goods and services including some of the most expensive such as college tuition, new vehicles or even a home, without having to immediately pay cash. Over time, consumers use of credit builds consumers’ credit reputations – summarized in a...

12 Smart Things To Do With Your Tax Refund
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12 Smart Things To Do With Your Tax Refund

A tax refund marks a great chance to set yourself in a better position for the future. If you’re getting a windfall from the IRS, here are a dozen great ways to make sure your money continues to work for you. 1. Have a little fun!  It’s ok to have some fun with your refund....