Financial Goal Advice
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"I want to finally pull the trigger and move my accounts to a credit union," says Bruce. "Also, I'm going to formally put away 10 percent of every paycheck, rather than just saving all my leftover money at the end of every month."</p>
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Do you have a similar goal? Read what <span class="author vcard"><span class="fn"><a href="http://www.dailyfinance.com/writers/jean-chatzky/">Jean Chatzky</a></span></span> advises: <a href="http://www.dailyfinance.com/2013/03/02/financial-goal-dump-bank-join-credit-union/" target="_blank">His Financial Goal: Dump His Bank and Join a Credit Union</a></p>
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"I work in Manhattan and I have two daughters," says Pam, "and it just seems incredibly easy to drop money without thinking about it. I don't see myself having the time to keep a 'money diary,' but I still feel we could be saving more money than we do."</p>
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Do you have a similar goal? Read what <span class="author vcard"><span class="fn"><a href="http://www.dailyfinance.com/writers/jean-chatzky/">Jean Chatzky</a></span></span> advises: <a href="http://www.dailyfinance.com/2013/03/01/financial-goal-cut-wasteful-spending/" target="_blank">Her Financial Goal: Cut Out All Those Small Money Wasters</a></p>
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Cassandra Hubbart, photo editor for AOL Money and Finance, says she and her husband need to refinance a large underwater mortgage on their old home, which they are now renting out.<br />
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"Four years ago, my husband and I were driving 50 miles to work every day ... with a baby crying in the back of our car for the duration of the trip," says Cassandra. "We needed to move for our sanity, so we bought a new home. But the value of the property we left behind was over $100,000 less then it had been when we purchased it."<br />
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Unable to sell, they found a reliable family to rent to, but the rent they felt they could reasonably charge was less than the mortgage payment. And, since the home was a rental, the refinance rates they could qualify for were less than desirable for many years. But now, rates are rock bottom, and they want to take action. "It would be a huge relief to refinance," she says.</p>
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Do you have a similar goal? Read what <span class="author vcard"><span class="fn"><a href="http://www.dailyfinance.com/writers/jean-chatzky/">Jean Chatzky</a></span></span> advises: <a href="http://www.dailyfinance.com/2013/02/28/underwater-mortgage-modification-financial-goals/" target="_blank">Her Financial Goal: Getting an Underwater Mortgage Afloat Again</a></p>
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Krisanne Alcantara of AOL Real Estate wants to set aside 20 percent of every paycheck automatically in high interest online savings account. But her more challenging goal may be to curb her online shopping habit.</p>
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"Like most 26-year-old females, I've got Asos.com, and Net-a-Porter.com, and Shopbop.com, and Amazon.com, bookmarked for easy lunchtime retail therapy without leaving my desk," says Krisanne. "And while it's convenient and fun to shop online -- and on my iPhone -- retailers make it too easy to get sucked into impulse buys and overspending. I want to save money by actively curbing my online shopping expenditures, or at least learn how to shop more responsibly."</p>
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Do you have a similar goal? Read what <span class="author vcard"><span class="fn"><a href="http://www.dailyfinance.com/writers/jean-chatzky/">Jean Chatzky</a></span></span> advises: <a href="http://www.dailyfinance.com/2013/02/27/financial-goal-cutting-back-online-shopping-habit/" target="_blank">Her Financial Goal: Cutting Back on an Online Shopping Habit</a></p>
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"I know I can lower my rate," says Laura, "but I'm already 15 years in, and the principal balance isn't very high, so I'm not sure it's worth it. Plus, I hate the idea of starting the clock all over again."</p>
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Do you have a similar goal? Read what <span class="author vcard"><span class="fn"><a href="http://www.dailyfinance.com/writers/jean-chatzky/">Jean Chatzky</a></span></span> advises: <a href="http://www.dailyfinance.com/2013/02/26/financial-goal-refinancing-mortgage-tips/" target="_blank">Her Financial Goal: Win at the Refinancing Game</a></p>
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Do you have a similar goal? Read what <span class="author vcard"><span class="fn"><a href="http://www.dailyfinance.com/writers/jean-chatzky/">Jean Chatzky</a></span></span> advises: <a href="http://www.dailyfinance.com/2013/02/25/financial-goals-saving-more-paying-down-credit-card-debt/" target="_blank">His Financial Goals: Saving More and Paying Down Credit Card Debt</a></p>
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"For years, I've blindly been putting money into a <a href="http://www.dailyfinance.com/category/401k/">401(k)</a> but have neglected to learn about what I'm investing in and if that's even the best course for my long-term goals," Sarah says. "<a href="http://www.dailyfinance.com/2011/03/10/seven-rules-for-a-secure-retirement/">Since Social Security isn't a given for my generation</a>, it's really up to me to make sure I'll be financially secure when I decide to hang up my editors' shoes."</p>
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Do you have a similar goal? Read what <span class="author vcard"><span class="fn"><a href="http://www.dailyfinance.com/writers/jean-chatzky/">Jean Chatzky</a></span></span> advises: <a href="http://www.dailyfinance.com/2013/02/22/financial-goal-401k-retirement-planning/" target="_blank">Her Financial Goal: Get a Handle on Retirement Planning</a></p>
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"We have two girls, 5-year-old, and an 18-month-old," says Mathew. "On the one hand, that means my wife and I have a lot of time to figure this out, and we're already setting money aside. But on the other hand, we'll have eight straight years of college tuition bills to deal with, and you can't start planning soon enough for something like that."</p>
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Do you have a similar goal? Read what <span class="author vcard"><span class="fn"><a href="http://www.dailyfinance.com/writers/jean-chatzky/">Jean Chatzky</a></span></span> advises: <a href="http://www.dailyfinance.com/2013/02/21/financial-goal-planning-for-college/" target="_blank">His Financial Goal: Get in Front of the High Cost of Higher Education</a></p>
