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Do you realize just how important your credit score is? It’s the deciding factor in a number of situations — strictly financial or otherwise — and it has the potential to make or break your financial situation.

Taking the consistent action needed to achieve financial success requires good planning and serious dedication. It’s hard work, in other words. You’ve got to be highly motivated and driven to your goal of financial success. And we can help you with the planning part. Get started on the path to financial independence with these three steps to take action on now.

Unless you live in a city with great public transportation, a vehicle is necessary in order to get around. However, that doesn’t mean you have to buy a brand new car – or pay top dollar for one. Cars don’t make the best investments because they start to lose value the moment you drive it off the lot. Be smart about this purchase, and be ready to negotiate to get the best price.