Resist Instant Gratification with SAM's Tips
Resist Instant Gratification with SAM's Tips
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 January 2018

Stop! Don't Give in to Temptation!
Whether it's bypassing the dessert table or keeping our credit cards in our wallets when we really (really) want something, resisting the pull of instant gratification is often better for us in the long run.
How do you keep your future self in mind when your willpower is challenged? Try SAM's tips to trick yourself into making better money decisions.
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Keep Up with the Joneses in 2018
The annual consumer expectations survey from the National Endowment for Financial Education found that 69 percent of Americans will make financial New Year's resolutions this year. 
After paying down debt, the top two expected expenses in 2018 will be home improvements and transportation costs. So, what's your dream for 2018?

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SAM’s Lesson of the Month: Debt-to-Income Ratio

Ever wonder how much debt is too much? If you're planning to apply for a loan or a new credit card in the near future, see how your debt-to-income ratio stacks up to suggested guidelines.
Find Out
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