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As part of the changes you’re gearing up for in the months after you graduate, you’re poised to enter the working world as a long-term employee, perhaps for the first time in your life. As you prepare for this transition, you might have dollar signs dancing in your head while you dream of what you’re going to do with your first paycheck.

Before you start planning a one-in-each-color shopping spree at the mall or a weekend in Vegas, check out our list of responsible things to do with your first paycheck.

When trying to trim a monthly budget, most people don’t consider their fixed expenses. These recurring costs, which include mortgage payments, insurance premiums and subscription payments, are easy to budget and plan for since they generally remain constant throughout the year. While people tend to think there’s no way to lower fixed expenses, with a bit of effort and research, most of these costs can be reduced.

Here are five ways to trim your fixed expenses.

Here’s all you need to know about striking a balance when borrowing for your business:

If you feel like the middle-class squeeze is getting tighter each year, you’re not alone. The numbers don’t lie: Life really is a lot more expensive than it used to be.

Let’s take a look at what life costs like now compared to 20, 50 and 80 years ago.

Who needs a budget anyway?

If you’re always wondering how you’re going to pay the next bill, feel guilty when you indulge in overpriced treats, and you can’t seem to find money to put into savings, then you probably need a budget.

Your credit score is made up of three numbers, serving as an indicator of your financial history, wellness, and responsibility. These three little numbers can spell the difference between approval and rejection for a mortgage, a job, a rental unit and so much more.

We have outlined how your credit score is calculated, why it matters and steps you can take to improve your score.

With mortgage rates falling, many homeowners are rushing to refinance their 30-year mortgages into 15-year loans. Borrowers may be wondering if this is a financially sound move to make for their own mortgage. We’ve researched it and worked out the numbers for you so you can make a responsible, informed choice.

Creating a budget for your new home may be a little more complicated than you realize. There are numerous factors to consider and getting into the building project is not the time to figure out you won’t be able to afford your home.

Over the last 10 years, outdoor kitchens have become extremely popular in both new construction and remodeling ventures. These alfresco prep areas are great for entertaining or just spending quality time with the family.