Review of Nicole's Guide on "It's Not too Late to Save and Invest".
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Review of Nicole's Guide on "It's Not too Late to Save and Invest".
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Review of my guide on starting small when it comes to saving and investing.
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Start by tracking your income, expenses, debt, and savings.
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Move from fear and guilt to empowerment; focus on progress, not perfection.
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Begin with as little as $5/week; use high-yield savings accounts and round-up apps.
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Adopt zero-based budgeting, cash-stuffing, or the 70/20/10 rule to manage unpredictable expenses.
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Cut unnecessary expenses, renegotiate bills, and set financial boundaries.
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Invest small amounts consistently; use ETFs and platforms like Fidelity or Vanguard.
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Explore side hustles, freelancing, and gig work that align with your skills.
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Use snowball or avalanche methods; communicate with creditors for support.
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Set weekly goals, affirm your progress, and define what financial peace looks like for you.
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Start where you are, not where you think you should be.
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