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With inflation on the rise with no end in sight now the time to start reducing debt, and spending. It sounds easy to do but many struggle to grow savings and reduce debt. Here are some ideas to do to make sure the needs taken care of, and savings can increase in a time of inflation. 

 Article Link:

https://www.sounddollar.com/7-steps-to-inflation-proof-your-budget By Elaine King

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Increasing the savings account or emergency fund is important in debt reduction. How do you know when and how much to transfer into savings so that money can stay there. 

 Article Link:

https://www.nerdwallet.com/article/banking/savings/emergency-fund-why-it-matters By Margarette Burnette

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Debt reduction can be a daunting task, overwhelmed and not sure how to start. Get paper and pen out, get ready to list the steps needed to reduce debt. First a list in the order to proceed towards debt reduction then will explain that list. 

 Article Link:

https://www.nerdwallet.com/article/finance/find-debt-relief By Bev O’Shea

https://www.investopedia.com/terms/d/debt-relief.asp#:~:text=Debt%20relief%20refers%20to%20measures,a%20single%20lower%2Dinterest%20loan. By Julia Kagan
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Having to work past retirement because cannot pay the everyday needs is not an option. Taking care of needs is necessary so saving for retirement at a youthful age is necessary. There are more bills to pay as we age for example medical. So, what are the benefits of retirement savings.

 Article Links:

How Much Will Healthcare Cost in Retirement? Prepare to Be Shocked | The Motley Fool

This is how much — or little — is in the 'average' 401(k) plan - MarketWatch by Brett Arends, ROI

 https://www.covenantwealthadvisors.com/post/benefits-of-retirement-planning By Mark Fonville

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What to do when getting debt reduced, many may not know what to do with the money. Do not do wasteful spending but instead set up for success. The things everyone should consider having to make sure finance is never a problem. 

Article Links:

 https://www.clevergirlfinance.com/blog/important-reminders/ By Bola Sokunbi

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 Overwhelmed with debt can cause problems, many problems. Taking control of money and getting the debt under control will help everything in life. Making it easier for daily living and long-term goals. Take control of your money, do not let it control you. 

Article Links:

https://consumer.westchestergov.com/financial-education/credit-and-debt-management/tips-to-reduce-your-debt

https://www.wellsfargo.com/goals-credit/smarter-credit/manage-your-debt/tips-for-managing-debt/      

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In a perfect world these would be determined before buying or renting a place to live. This is not possible in most cases what should be the percentages of income in each category and why this is important in keeping a personal budget. What categories that need to be in a budget and how to group. 

Article Links: 

 https://www.budgetsmadeeasy.com/household-budget-percentages/ By Ashley Patrick

 https://moneyfit.org/how-to-budget?gclid=EAIaIQobChMI3pmu3OHw9wIVegaICR3GTwPXEAAYAiAAEgI1yPD_BwE 


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What is tracking expenses and how will this help in getting a budget under control. This is the easiest way to setup a budget and to maintain a budget without using a lot of your time. 

 Article Links: 

https://www.kindafrugal.com/benefits-of-tracking-your-expenses/ By Jerry Graham

https://richardkleincpa.com/importance-of-keeping-track-of-your-expenses/ 

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People do not like thinking about making and maintaining a budget. The B word is almost like a bad word to most, but the benefits out weight the time and effort to get a budget set up. Maintaining a budget will prevent the problems that are common with most households. The too much debt problem and the lack of money to reduce the debt. 

Article Links: 

https://www.cabotfinancial.co.uk/money-management/money-management/what-are-the-benefits-of-budgeting By Kay Choudhury

 https://thesavvycouple.com/benefits-of-budgeting/ By Brittany Kline

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What causes inflation and how to reduce the effects of inflation on personal budget. Knowing the causes of inflation will help in dealing with this problem. It not a short-term problem but will be a long-term problem. 

Article Link:

https://www.investopedia.com/terms/i/inflation.asp By Jason Fernando

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