Clark Howard & Habitat for Humanity

Every year Clark Howard builds Habitat for Humanity homes. This year one of the homes was dedicated to Royal Marshal who passed away not to long ago.

Clark Howard is a self-made millionaire and instead of donating money to Habitat for Humanity, he donates time and hard work.

Rules for Reward Cards | www.clarkhoward.com

Rules for Reward Cards | www.clarkhoward.com

Dave Ramsey hates credit cards, but if you are going to be using them anyway, Clark Howard warns that rewards cards trick the brain to think that the rewards are a good reason to spend more.  Not a single millionaire got wealthy from the points, cash, airline miles, ect. that they get from credit cards.

Sure you can make it work (one caller has), but is it worth it?  People smarter than me do not think so.  Use cash.  From experience, it seems like you are really losing money when you pull a twenty dollar bill out of your wallet and break it to pay for a $4.00 coffee.  If you set up your budget and include some spending money, take it out as cash and then only use that cash on things for yourself, and keep in the back of your mind that every dollar that is left in your wallet at the end of the month can go into your savings account or go to pay off your minivan.

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Extra $2,000

Because of a deal by our congress, this year you will end up with a little more than $2,000 extra in your paycheck by the end of the year! Clark Howard recommends that you do not spend that extra money in the mall, but instead put that money into a Roth IRA (A tax free savings account for retirement).

Clark Howard explains here:

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