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Lynnette Walczak

With input from Financial Advisors, (a Tax Accountant and an Investment Manager), I share helpful tips regarding money and finances -- including debt relief, insurance, budgeting, and investing for retirement. My goal is to help you save more, spend less, and invest for the future by sharing honest, tried & true budgeting tips and tools. When I'm not saving for the future and helping others save for theirs, you can find me at the corner of Good News & Fun Times as publisher of The Fun Times Guide (32 fun & helpful websites).

Thinking About Donating To Charity?… Don’t Almost Give

The following commercials were produced by the Ad Council. It's part of their 'Don't Almost Give' campaign. The story behind the ads is quite interesting, too.

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WARNING: Here’s Why You Should Never Use A Debit Card To Pay At The Pump!

Debit card blocking is where gas stations, rental car agencies, hotels, and others 'put a hold on' a big chunk of your money if you use a debit card to pay for gas, reserve a rental car, hotel room, etc. In effect, they're 'freezing' your account, or billing your account for an amount that's very likely more than you intended to pay for that service. They say it's for their protection...

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Top 4 Benefits Of Taking A Gap Year Before College – See How It Could Change Your Life

Taking a year off before college is becoming popular in the U.S. but parents don't always understand. Here are 4 ways students benefit by taking a gap year.

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Reverse Mortgage In Retirement: Some Tips Before You Use A Reverse Mortgage To Supplement Your Retirement Income

See how to use SOME of the equity in your home to supplement your retirement income. How reverse mortgage works and gets repaid + How much home equity you'll retain.

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Should You Buy Supplemental Health Insurance? Is Medical Gap Insurance Really Worth It?

Healthcare costs are going up. What if you can't afford the deductible or monthly premium? Medical gap insurance (or supplemental health insurance) helps with that!

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MyRA Is A Simple (Free!) Way To Start A Retirement Account… And You’re Guaranteed Not To Lose Money!

Just getting started in the workforce? Don't make a lot of income? Opening a MyRA is a safe & smart way to start a retirement account on your own!

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5 Reasons To Avoid A Payday Loan + 7 Less Expensive Ways To Get A Cash Advance

A payday loan is a short-term high-interest loan. Fees are high if you don't repay the loan on the day of your next paycheck.7 better ways to get cash fast.

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Dealing With Debt Collectors? Know Your Rights! 3 Ways To Handle Stressful Situations With Collection Agents

Have debt collectors have been contacting you? Not sure what to do? These 3 tips will get you out of stressful situations when dealing with debt collectors.

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Closing Credit Cards: How To Cancel A Credit Card Without Hurting Your Credit

If you're closing a credit card, make sure you follow these steps or your credit rating could be affected. Here's how to cancel a credit card properly.

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