notices when they need temporary help such as pulling weeds, remodeling their basement, altering a prom dress, or learning to play piano. • Charlie (hicharlie.com) is a free app that doesn’t need to be downloaded. It will help you cut your budget and credit card debt. • Cushion (cushion.ai) is aimed at getting your bank fee refunds and helping you negotiate with banks. • Upstart (upstart.com) provides a connection to low- interest personal loans to consolidate your consumer debt. • SoFi (sofi.com) is another low-interest source. The site advertises loans that are 100% fee-free, with no late fees or fees for origination or pre-payment. • Credit Sesame (creditsesame.com) can provide information to help create your credit strategy and will start by giving you your credit score: “No credit card required & won’t impact your score.” Here are some miscellaneous tips to help you manage your personal finances: • Create a payment schedule so you can pay bills on the same day each month. It’s easier, less stressful, and it helps you ensure your funds are available when payments are due. • Avoid money arguments with your partner. Most domestic arguments are over finances. Communicate often, but not when time — or tempers — are short. • Buy generic brands when available. • Allow time for results on your budgeting efforts. It can take several months to get on track. 127
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