If you’ve had a tough time saving money in the past, you aren’t alone. Bankrate released a study in 2016 indicating that one in six households with annual income between $50,000 and $75,000 have no emergency savings. More than half of households with annual income below $30,000 have no savings....
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Inconsistency and infrequency are the biggest enemies of any savings plan. Even if you have a bit of extra money in your monthly budget, it can be easier to spend it on small things than to go through the effort of moving it into your savings account.
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Many parents find 529 plans intimidating because it’s so hard to predict where a child may attend college, what they’ll decide to study, and how much it will cost.
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