Advice

I Always Spend All My Money And I’m Never Going to Change, Am I

I am out of money and don’t get paid for a week. I do this every single month and I am so mad at myself and I’m never going to change, am I. — B.

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Defer Student Loans? Paying the Minimum on Credit Cards?

If I ultimately have to either stop paying my loans (which are in deferment while I’m a student) or go back to paying just the minimums on my cards, what’s the better choice? The dollar amount I would save monthly is the same.

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Let’s Talk About What We’re Going to Do with Our Tax Refunds

What should I do with my tax refund? The answer to that depends on what your priorities are.

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A Conversation About Power, Sex, and Money

A discussion: What is it that happens with money in relationships? I’ve seen it with my parents, with friends: with the exception of infidelity, no one thing has wrenched apart more couples than money, and the value judgments, petty arguments, and power struggles that come with it.

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Stop Apologizing

Every business “expert,” career advisor, and their mothers will warn job seekers to avoid vocal fry, up speak, mumbling, meandering, cursing, spitting, or slip-ups, Freudian or otherwise. I’m guilty of committing all of the above, but my worst verbal tick, I’m sorry to say, is over-apologizing.

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When to Pay for Services, and When to Do it Yourself

A large part of adulthood is learning to tell the difference between tasks you should pay someone else to do, and ones you should just do yourself.

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What I Learned About Money and Life This Year

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Who Opened My Mail?

How worried should I be about receiving credit card offers in the mail that have obviously been already opened by someone else? This has happened to me twice in the last six months, and I even notified my post office after the first time it happened. What else can I do to protect myself against identify theft and keep my mail secure? — M.V.

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Just Say No

Is there a kind and gentle way for C. to say “Mom, I can’t give you any more money?” Are there resources we can suggest to help her develop better spending habits (if it matters, she’s in her mid-50′s and—thank goodness!—has a generous pension when she retires, so retirement saving isn’t a big issue)?

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Getting An Actual Date and Time Down is Crucial

I know the onus is entirely upon me to pursue an informational interview with this man; it’s just that figuring out how to politely pick his brain is proving a challenge. I tend to be reserved and to way over-think things; please help me figure out how to smoothly and tactfully request a career chat with this guy. — K.G.

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