Staying Focused While Getting Out of Debt
Thomas Merlino Thomas Merlino

Staying Focused While Getting Out of Debt

I understand how challenging it can be to stay focused while trying to get out of debt. It's not just about the numbers; it's about the emotional journey too. So, let's talk about some strategies to help you stay on track.

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The Easy Way
Thomas Merlino Thomas Merlino

The Easy Way

Picture this: you're on a mission to zap away your debt faster than a superhero in action. Step one, we're getting down and personal with your finances. It's like putting on your detective hat and uncovering where all your money is going. This magical thing called a budget helps you to see the big picture, so you know what's coming in and what's flowing out.

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Mastering the Art of Negotiation
Thomas Merlino Thomas Merlino

Mastering the Art of Negotiation

Mastering the art of negotiation is a highly valuable and sought-after skill that can positively impact various aspects of your life, both personally and professionally. Negotiation is a complex and intricate process that involves effectively communicating, collaborating, and reaching mutually beneficial agreements with others. Whether you're negotiating with business partners, clients, colleagues, family members, or even in everyday situations, having strong negotiation skills can significantly enhance your ability to achieve successful outcomes.

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Quick Update on the Mint App
Thomas Merlino Thomas Merlino

Quick Update on the Mint App

The Mint app, developed by Intuit Inc., is a highly acclaimed personal finance management tool that has garnered immense popularity for its user-friendly interface, robust features, and exceptional usefulness. Designed to cater to users' diverse financial needs, the app offers a wide range of benefits that make it an indispensable companion on the journey towards financial well-being. I mentioned this app a while back and promised to follow up with an update after I had a chance to truly give it a go.

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Be Your Own Boss
Thomas Merlino Thomas Merlino

Be Your Own Boss

Being your own boss and running a successful business can be an incredibly transformative and fulfilling experience. The autonomy and independence with being the decision-maker in your business allows you to steer the ship and set the course for your own personal success. You have the freedom to implement your own ideas, strategies, and vision, effectively creating a work environment that aligns with your own values and passions.

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Growth Mindset
Thomas Merlino Thomas Merlino

Growth Mindset

A growth mindset is the belief that one's abilities, intelligence, and talents can be developed through dedication, effort, and continuous learning. It is the understanding that skills and qualities are not fixed traits but can be cultivated and improved over time.

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10 Ways to Live More Frugally
Thomas Merlino Thomas Merlino

10 Ways to Live More Frugally

Living frugally can help you to save money, reduce expenses, and achieve your financial goals. Let’s visit ten of the best ways to live more frugally.

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Managing Finances as a Married Couple
Thomas Merlino Thomas Merlino

Managing Finances as a Married Couple

Money and relationships, especially within the context of marriage, can be a complex and sensitive topic. We are going to visit some key aspects to consider when it comes to managing finances as a married couple.

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Budgeting for Small Groups
Thomas Merlino Thomas Merlino

Budgeting for Small Groups

The key to budgeting when you’re doing this with others in a small group setting is to take the boring aspect out of budgeting and make it a more entertaining event for all involved. Teaming up with other like-minded folks and having fun at the same time are great ways to stay on task and win together as a small team of debt-slayers and master budgeters.

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Sarah
Thomas Merlino Thomas Merlino

Sarah

Meet Sarah, a young professional who started her journey with significant student loan debt and minimal savings. Determined to take control of her finances, she embarked on a journey of financial discipline and strategic planning.

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The Psychology of Money
Thomas Merlino Thomas Merlino

The Psychology of Money

The psychology of money refers to the study of how people's attitudes, beliefs, emotions, and behaviors are influenced by money and financial matters. It explores the complex relationship individuals have with money and how it impacts their decision-making, financial well-being, and overall satisfaction in life.

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The Mint App
Thomas Merlino Thomas Merlino

The Mint App

Mint is a popular budgeting app that helps you to track your spending, create a budget, and manage your finances.

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Healthy Ways to Manage Your Credit
Thomas Merlino Thomas Merlino

Healthy Ways to Manage Your Credit

Credit management refers to the process of managing your credit usage and payments in order to maintain a good credit score. Your credit score is a numerical representation of your creditworthiness and is used by lenders to determine whether or not to approve you for credit and at what interest rate.

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When You Get a Raise
Thomas Merlino Thomas Merlino

When You Get a Raise

Receiving a large raise in income can be an exciting and empowering experience. It can open up new opportunities for financial stability, security, and growth. However, it can also be overwhelming and even stressful, especially if you're not sure how to manage your newfound wealth.

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Automate Your Savings
Thomas Merlino Thomas Merlino

Automate Your Savings

Setting up automatic transfers from your checking account to your savings account can help you to save money without even thinking about it.

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Personal Finance Stages: Retirees
Thomas Merlino Thomas Merlino

Personal Finance Stages: Retirees

If you are nearing retirement or currently retired, it’s still important to focus on your personal finances. Some may even say that at this stage, it’s even more critical. Today we will discuss some tips and strategies for you to consider for your retirement years.

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Personal Finance Stages: Families
Thomas Merlino Thomas Merlino

Personal Finance Stages: Families

What’s unique about discussing personal finance as it relates to families is that you will be in a position to not only improve finances as a married couple, but you’ll also be able to teach your kids about money at the same time.

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