Don't get caught in a cycle of unnecessary overdraft fees, credit card interest and high-cost loans. A few simple tools can help you hold onto those hard-earned dollars.

Here's what to remember:
- Automation is your friend. Set your bills on autopay. 
- Overdraft protection is deceptive. Link your checking account to a savings account to avoid overdraft fees.
- Set up a buffer savings account with automatic deposits. 
- Don't use credit cards for emergency spending.
- If you do have an emergency, try asking your employer for your already-earned wages. 
- Balance transfer checks can help with high-interest debt, but read the fine print.

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Start a financial self-care routine

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Credit scores determine whether you can get a mortgage, credit card, auto loan and more. So if your score is subprime, how do you bump it up to above a 700? In this episode, find out how to read your credit report, navigate collections and negotiate payments.

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