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If you’re opening a card to purchase things you don’t have the cash for, it’s probably best to hold off. This is mostly because opening a new credit card will put a hard inquiry on your report and can ding your score. If you need to open a new card to improve your credit score, this might be a good way to do it. If you’re thinking about opening a new credit card, chances are it’s because you’re looking at the rewards available.

Anxiety, self-esteem, the need to feel accepted, conflict avoidance, your upbringing, or habit are just a few of the factors affecting your need to over-apologize. If you’re in a situation where you feel that you need to apologize, take a second to think. Most of the time, however, if you take a moment to reflect you’ll realize you’re only apologizing because you feel like it’s expected, not because you need to. When you take the time to acknowledge the value of the other person, you’ll find there isn’t a need to apologize.

If you wouldn’t use a word for a friend or loved one, you shouldn’t use it for yourself either. 7 Words You Should Immediately Stop Using To Describe Yourself No matter how low you’re feeling or how much you feel you need to grow or improve, never ever label yourself this way. Which one of these words are you going to choose to stop saying first?

From the length of your auto loan to the interest rate on your mortgage to your employment, a lower credit score can cost you thousands of dollars (plus years of your life spent paying that borrowed money back! ). It’s a smart thing to do so that in case of an emergency in the future, you won’t have to rely on lines of credit to save you. Your emergency fund will cover your rent or mortgage, and insurance payments, car payment, utilities (water, electricity, etc.), internet or cable, plus your groceries, gas budget, and a buffer of 5-10 percent to be safe. Start prioritizing saving for retirement, paying off debt, and establishing an emergency fund now while you’re in your twenties.