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Saving vs. Investing: Because Hiding Money Under Your Mattress is so much overrated

 So, you’ve got some money. Congrats! But here is the question:What are you going to do with it? You can spend it all on something shiny, save it for a rainy day, or—hear me out—invest it and make it grow.Yeah, I know, saving and investing sound boring, but trust me, in future you will be glad you listened to me.” -Saving: "Saving is like putting your money in a safe place where it won’t disappear overnight. It’s great for short-term goals and emergencies. Think of it as your financial safety net. But let’s be real: with today’s interest rates, it’s not going to make you rich anytime soon but it will surely make your grand children rich while you are lying in a casket underneath ground. - Investing: "Investing is where the real magic happens. It’s like planting a money tree, except you don’t need to water it and it grows by itself. By putting your money into stocks, bonds, or mutual funds or maybe a hedge fund, you can potentially make it grow over time. Of course, there’s ri...
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Credit Scores and Debt: The Dark Side of Financial Freedom.

 -”Credit: the magic word that can either open doors or slam them shut in your face. It’s the adult equivalent of getting a bad grade on your report card, but instead of being grounded, you could end up paying higher interest rates or being denied a loan. Fun being a failure, right?" ◦ - What is Credit?: "Credit is essentially a way for people to buy things they can’t afford with money they don’t have. It’s like the ultimate trust fall, but with money and believe me money is never loyal to one person as someday you will have more money and someday someone else will have more money than you. When you borrow, you’re promising to pay it back later—often with extra, thanks to that  demon under your bed, interest that will keep haunting you unless you pay it. Spoiler: if you don’t pay it back, things can get ugly." - Credit Scores Explained: "Your credit score is a three-digit number that basically tells lenders how much they should trust you. The higher the score, t...
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Budgeting: Because Being Broke Isn’t a very good Personality Trait but it can be the worst

HOW TO CREATE A BUDGET:  :If you’re the kind of person who wonders why your wallet is always empty by the end of the month, this is the post for you. Spoiler alert: it’s probably because you don’t have a budget. And no, hoping or pray you don’t run out of cash doesn’t count as a financial strategy. - Step-by-Step Guide:   1.List Your Income: "Let’s start with the easy part: how much money you get or earn? Allowance? Part-time job? Those secret  transfers from your grandma whenever you visit her? Write it down on a notebook.   2.Track Your Expenses: Here’s where the shit  gets real. Where is your money going? If the answer is 'I don’t know,' that’s a problem because you have successfully embarked on the track of being a broke so track every dollar you spend—yes, even that $5 you dropped on a Starbucks.   3. Set Savings Goals: "Saving isn’t just for adults with retirement plans. Whether you’re saving up for concert tickets, a new phone, or even your first car...
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What is Financial Literacy?

  Financial Literacy 101: So You Don’t End Up Broke and die single. "Let’s face it: money isn’t exactly the most exciting thing to think about all the time—unless you’re shopping for the latest gadgets or planning a vacation. But here’s the kicker: if you don’t understand how money works, life can get pretty complicated faster than the speed of light so, Welcome to Financial Literacy 101, where we’ll teach you the basics of financial literacy so you don’t end up broke and have to live in your parent’s basement and have lectures on how you are a failure for breakfast, lunch and dinner from your parents everyday for the rest of your life.  - Why It Matters: You know what’s cool nowadays? Not worrying about money all the time like Elon musk or Bernard arnault. Do think these guys ever have to worry about covering there expenses? No because they are so rich that whenever they have to buy an expensive car which pull girls like a magnet they don’t have to save up on there expenses, ...
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