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It’s a good idea to have 3 to 6 months' worth of expenses in your emergency savings. Depending on your monthly bills, family needs, job stability, and other factors, your amount may vary.
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Your payment history is the most important factor in your credit score, representing 35% of your total score. If you always pay at least the minimum balance due on time, you’ll be on the right path.
Tip: It’s best if you can pay more than the minimum payment due each month.
A good rule to remember is to budget 1% to 2% of the purchase price of your home each year for routine maintenance projects, though you should adjust based on the condition of your home.
All the above. A positive credit history is more important than just being able to use a credit card to buy things. Your credit history may also be considered when you apply for a job or housing.
When reviewing your insurance needs each year, it is a good idea to consider how life events, moving, large purchases, or driving habits might affect your coverage needs. Minor home improvements, such as window updates, would likely have less impact on your coverage needs, relative to the other listed factors.
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You’ve taken the first steps toward understanding your finances. Ready to learn more? Consider browsing the articles and videos within Basic Finances. To continue on your path, empower yourself with videos and articles, such as Build for the Future in Basic Finances, to help your financial goals, plus tap into resources like My Money Map to stay on track. To deepen your financial knowledge, explore this site to find resources relevant to your financial goals. Also, make an appointment to discuss your needs.
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