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Modesty Really is the Best Policy

Living modestly does not equate to living like a pauper. It is simply a realization that the sacrifices made now are beneficial to the future. Living modestly does not mean that you have to pinch every penny, clip every coupon, and take advantage of every sale on toothpaste. It is sacrificing in larger areas such as housing, vehicles, and clothing long enough to meet your financial goals.

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10 Bad Financial Habits You Need to Break to Get Out of Debt

We all have our creature comforts – those habits that we indulge on a daily basis. However, while a regular morning latte or a new pair of shoes might seem harmless, you’ve got to consider their effect on your bottom line. A dollar here and a dollar there add up over time – and, despite your efforts in other areas, they could be one of many reasons you’re still mired in debt. By watching out for these 10 habits, you might be able to stop some of those bad habits in their tracks and reassess the way you think about money and wealth.

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Why Is It Psychologically Difficult to Be Financially Responsible?

Financial success is a little bit like fitness — we all know what we should be doing, but for a lot of us, ramping up our retirement savings and jumping on the treadmill are two things that just don’t happen. Even though making the rational decision to save or exercise is in our best interests, it’s awfully difficult to make the right long-term decision in our day-to-day lives. The question is, why? When we all know the right decisions to make, why is it so difficult to make it happen? Psychologists and behavioral economists have some answers.

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Frugality Lessons from Facebook Founder, Mark Zuckerberg

Whether you love or hate the Facebook founder, everyone can agree that Mark Zuckerberg is one of the top frugal billionaires around. At a $40.7 billion net worth, Zuckerberg is worth over 100 Kardashian families (that’s right, the whole family 100 times over and still have over $1 billion in his pocket). Although Zuckerberg is rolling in the dough, his lifestyle emulates a lifestyle closer to the average Joe. Here are some frugality lessons we can learn from one of the richest men in America.

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