7 Reasons Why You Should Have an Emergency Fund

Having an emergency fund can assist you when you incur an unplanned expense while paying off existing debt. You can use the fund to handle that expense but keep paying off your debt. Eliminating debt saves thousands in finance charges every year. It has been estimated that the average American spends more than $160,000 over a lifetime just on interest alone. 

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Online Holiday Shopping and How to Make the Most of It

Set an actual budget per person or family and stick to it. Don’t be afraid to discuss it with family or close friends. Many people feel the same way and will say “yes” let’s just do card exchanges. Also, do not forget to set a budget for the feast you may be hosting. It is surprising how expensive a big dinner can be, and grocery prices are skyrocketing this year due to supply shortages. 

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Can the Advance Child Tax Credit Help Your Family?

To be eligible, Advance Child Tax Credit Payments, you must file a 2019 or 2020 Federal Income Tax return or use the non-tax filer tool located on the IRS website.

If you signed up to receive the stimulus payment, it is not required to sign up for the Child Tax Credit program using the non-tax filer tool. The IRS will automatically register qualified households for the Child Tax Credit based on data provided in your most recent return. Eligible beneficiaries should also receive detailed information through e-mails regarding upcoming scheduled payments, based on your Adjusted Gross Income (AGI) information from your most recent tax return.

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