Financial freedom in a post-COVID World | Few Minute Finance

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The following was written by Luke Miller for his new column series, “Few Minute Finance”.

According to a 2019 survey by Charles Schwab, 59 percent of Americans live paycheck to paycheck, nearly six out of every 10 people. About 44 percent usually carry a credit card balance, and most people spend an average of almost $500 per month on “nonessential” items. Only 38 percent of Americans have an emergency fund.

Despite these obstacles, this type of living doesn’t have to define the rest of your life. Whether you make $20,000 or $200,000 per year, the principles for good financial stewardship are the same. My aim is to show you how and why.

One of my highest ambitions is helping folks find financial freedom and security. My wife and I have lived on the Plateau for almost three years in our first home, though my family history in the Puget Sound

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The Co-op teams up with Freedom Finance on loans service

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Alternative Lending

The bank said it will use machine learning to tailor loans to individual customers.

 The Co-op teams up with Freedom Finance on loans service

Image source: Image provided by Pixabay

The Co-operative Bank has launched a loans service, which it says will use machine learning to tailor loans to individual customers.

The bank has teamed up with Freedom Finance, the personal loan broker, on the service.

The Co-op said through machine learning and its technology, customers will be able to carry out a search of unsecured personal loan options which will not negatively impact their credit rating.

The Co-op said it has tailored a panel of lenders, which excludes payday lenders.

Loans will be available form £1,000 to £25,000 over a period of one to seven years, with interest rates ranging from 3.1 percent APR to 39.9 APR.

The bank said applicants will be able to receive funds on the same day as they apply for loans.


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Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!

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Many of us look around and wonder how we ended up with so much stuff. Sometimes I wonder why I spend the money on things that don’t get used much. There is a lot to be said for a little more simplicity, as many people are discovering in this recession.

It is possible to spend less money, and still live a full life. And, of course, just because you can afford something doesn’t mean you have to buy it. If you are ready to downsize your lifestyle, you can do so, with a little thoughtful planning.
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creating wealth

I once wondered whether an investment property or a dividend yielding stock is better. The result was an unanimous vote for investing in stocks.

Since then, boy has the environment drastically changed. The financial crisis unfolded with a 50%+ decline in stocks, followed by stocks multiplying during the next

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