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Self-Improvement Steps and Your Finances 2

55. Remain grounded- debt can be overwhelming. Really overwhelming. Furthermore, too much financial success can cause arrogance and rash financial planning. It's important that whether you are in the red or profiting in the green, that you keep your head about it. Make smart financial decisions regardless of where you are. Don't let the wealth go to your head and don't let the debt get you down. Debt is part of life- you just need to take it one payment at a time.


56. 'Sale' does not mean 'buy'- just because something is on sale does not mean you need to buy it. Resisting the bright lights of 'half off', 'buy one get one free' and 'discounted item!' is a big step to self-improvement.


57. Always Pay the Credit Card- try, with all your might, to get that credit card payment down. Credit card interest rate is one of the highest out there and it's really easy to rack up a huge bill and forget about it. However, you will end up paying hundreds, if not thousands in interest, which can lead to more stress, more debt and more insecurity about your financial success. Try to limit your credit card spending for emergency only uses.


58. Discuss mortgage rates with your bank- your mortgage and interest rate is not set in stone. It's a good idea to negotiate a better deal every once and a while. See what's out there; talk to your bank manager; and make the most out of your options. Doing a little

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