5 steps to quit spending more than you make

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Today's society is built around instant gratification and as technology progresses it gets easier and easier. If you want to buy something all you need to do is pull out a plastic card and you can get it.

Over the years credit card companies often increase credit limits and banks have issued cards in order to make cash withdrawals easy to obtain 24/7. It's that easy.

Identity theft: What not to carry in your wallet

Image credit: Pixabay 

Identity and financial theft is a problem that has increased over time and become a prominent issue in modern society. As the world goes digital, there are numerous ways that hackers attempt to try and gain personal information.

However, the old-fashioned methods of theft should not be discounted. Criminals are very eager to gain information through stolen wallets, purses, stealing mail or even dumpster diving. That being said, you should always be careful of what items you carry in your wallet (or purse).

Advantages of paying off the mortgage on your house early

Image credit: Pixabay

Imagine how sending off that final check to pay off your mortgage would bring on a feeling of financial freedom. Once this is complete, you are totally released from the long-term obligation of mortgage payments.

Taking the steps to pay off your house earlier than the loan terms stipulate comes with several advantages. These benefits include fiscal freedom, higher equity, and the ability to invest more money into your home.