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Little things can cause you as much - or even more - pain as the bigger things in life. Little things can really add up, especially if you continuously ignore them.

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There`s a lot of reasons why parents should start saving for their children`s college education. Some start right when the baby is born and some wait until their child enters high school. But when is the best time to start saving?

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With a baby on the way, parents often start to think about their future. Thoughts like: What will my kid be in the future? Should we start saving money for a college education? But what if she/he doesn`t want to go to college?

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It’s not just high demand or steep monthly payments that could come between you and a loan at the bank, a credit card you would like to apply to or an apartment that you would like to rent. There’s another big obstacle: your credit score. If you have bad credit or no credit at all you are already at an unfavorable position in relation to other applicants. But who has a harder time: people with bad credit or those with no credit?

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There are a lot of words we think of when we see the words “cost-effective”: cheap, lesser, affordable, etc. and even though Christmas and New Year's day are not passed yet you know that you need to start spending smart and saving smart if you want to be able to go on those Spring and Summer Vacations.