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And welcome to another week it sort of boxing match the offer -- studios.
It's my eyes out and -- or gadget you're managing editor column Carlos school it's all about lifestyle with Carlos and Carlos and -- a lot better making.
To a higher place.
I don't I don't I don't know what -- -- -- a hot topic states.
So one more adult -- go overboard spending in fact an estimated 69%.
Of -- in the US.
According to the latest episodes so it's time.
-- -- now is under workbook to -- -- -- response to these mounds that are becoming more financially.
Life to helping people.
That credit scores whose company.
Accurate credit solutions now.
Andrew is also contributor in my lifestyle magazine his provocative article in our current edition called financial integrity.
He provided -- essential tips for keeping a good credit score in the shaky economy.
You're looking at footage right now Andrew teaching high school students on how to be better with money it also author of the book -- -- -- apparently.
Financial control with less at -- and more results while on something that I am so tell us what financial integrity because -- -- -- and what that means.
Financial integrity I would say it's really get yourself a -- president for in the future to -- many people don't plan.
For the and Christine issues -- -- -- and it's devastating and I like to see if you have money for a rainy day.
It's very -- as many people they say they spend spend and something may happen and maybe -- into him.
Also you you wanna play for your future your investments and savings from pins you know your future is very -- Many people they don't look at the future president -- right now for the go ahead we'll spend on credit cards spend on different lines of credit.
And at that point they go ahead and let up so financial integrity is really important and it's it's.
Really -- -- the fundamentals.
Of -- Of living within your means not biting off more than you know.
-- -- Carlos was talking about how many Americans are actually in debt.
Now whether we're talking about a college student whether we're talking about a single parent what are some of the common mistakes that people -- when it comes to money.
That's a very good question many people there.
Facing different mistakes coming out of college coming -- -- school -- go ahead of a divorce one of the things are you actually you don't pay attention to the fine print many people they get offered a lot of credit org and a credit offer credit card.
And they overextend themselves read the fine print ads -- -- -- it -- -- with these teaser interest rates that they changed in the future really gets and -- -- So that's social media has come in -- I would be spoken about what causes consumers to rattle I mean.
We -- -- mornings when not a spoke about the solutions do we -- out of court -- from five key points to -- that so.
Robbery defined basically want you want it definitely first and foremost want to pay your bills on time.
Paying your bills on time because that's actually going to be reported to the credit bureaus Equifax Experian transient.
And -- trees thing like that because that's going to be the trail the filing.
-- other thing you want to stay within your means with with the available credit many people they spend.
More than you know if they're allowed 101000 dollars Democratic Party spent 101000 sometimes some cases it's.
You wanna stay at 30% or less than what's available to -- it's actually.
Maximize your ability to growing your credit.
Let's talk about before we go what's thought about what makes people overspend I mean it's it.
He can be an addiction like -- -- so what causes people to spend money that they really don't have.
Well it's just in that the availability I mean that people they may have available this money it's not something that they worked -- It's not something that they've.
Have in their pockets it's it's a card.
And glad misspent its -- and his wife and actually fills a void and in -- and I think stressed or some people over eat and -- just get caught up with that.
Wow amazing you're so -- buck up looking at a screen their fight keep pointing to Rick comment which is paid your bills on time he dedicated balances also Beatles but it -- Don't girls all credit cards is that correct.
Me in my as the amount of applications that you apply a mortgage -- Granted because it's the identity incident that.
I -- point you.
You audiences looking at the screen while I'm directing your advice he's definitely going to sit Hispanic America because without -- we have to.
This momentum to get out of bed I mean -- like -- course -- being asked.
We need that we need to do better in this country like you -- how many people are in debt and I think people feel like -- and sleep sometimes and there's no way out so.
Great tips Andrew thank you so much well it's -- It is -- -- -- -- if you were -- and FaceBook and we have got a couple of my arm got.
My life Mac tell us what you think you can check my lifestyle you ask for more articles -- And I think that's all the time we have now for my lifestyle extra on Fox News you know not just for folks let you know got time and I am Carlos my -- -- will see you got some.
You better -- -- the -- on an -- in my --
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