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With the economy struggling to get back on its feet, many people are struggling to keep their heads above water financially. If you’re one of those people, you’ve come to the right place. This article compiles a bunch of different tips to give you a starting point to managing your personal finances.

If you are trying to repair your credit score, you have to be patient. Changes to your score will not happen the day after you pay off your credit card bill. It can take up to ten years before the old debt is off of your credit history. Continue to pay your bills on time, and you will get there, though.

If feasible in your area, try to get around without a car. Between car payments, gas, insurance, and parking, the dollars spent on owning a car can really add up. It isn’t possible for everyone, but if you can try using public transportation or your own two feet to get around.

Teaching guitar lessons can help one support their personal finances as well as build ties both in the music community and with people from all walks of life. As one builds a customer base or finds a music school to teach out of them will increase their finances and network at the same time.

Buy in Bulk. Stores like Costco and Sams Club are popular for a reason. A single person may not be able to use six cans of peanut butter in a …