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Critical Financial

A Financial Guide to America in the 21st Century

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Do You Want To Build Credit?

Do You Want To Build Credit?

Jul 16th, 2020 · 0 Comment
  Do you know what to do to build credit and establish yourself as a good credit risk? Believe it or not, the way you approach a small...
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student debt,student loan,make college affordable

Educational Inflation Nation | With College Tuitions Skyrocketing, Is A Degree Really Worth The Investment

Jul 6th, 2012 · 0 Comment
In the US we place great value in the acquisition of a college degree, but are the collage tuitions really worth the investment?  A Cato... more →
Debt Collection, payment, debt management

Debt Collection | 3 Reasons Why They Increase Intensity

Jul 1st, 2012 · 0 Comment
You know you have debt obligations, but are you finding yourself getting uncharacteristically bombarded with collection calls.  Here are a... more →
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About the Author

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty.


Critical Financials’ Basic Personal Finance Rules

Here are some simple guidelines that will help you build wealth:  

1) Do the math. Get a budget and calculate your net worth

2) Get an emergency fund. Save at least 6 months worth of expenses

3) Limit costs. Spend no more than 30% of your income on housing

4) Max your retirement. Maximize contributions to your tax-deferred retirement accounts

5) Pay yourself first. Set aside money for yourself before you take care of your other bills

6) Set goals. Goal let you get ahead faster

7) Avoid high interest debt. Avoid credit cards, title loans and other usurious loans

8) Diversify. Diversity your assets.

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