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Lisa MorganBoth methods work—it really depends on your personality and goals. The avalanche saves more money long-term by tackling high-interest debt first.
whereas the snowball builds momentum by knocking out small balances quickly. If you need motivation, snowball often feels better. If you want efficiency, avalanche usually wins.
Lisa MorganI started looking into international investing a while back and found a few practical options. The simplest way is through ETFs or mutual funds that track global or regional markets. Some brokers also let you buy foreign stocks directly, though fees and taxes can get tricky. Another route is investing in companies with big international exposure, even if they’re listed locally. It really comes down to your goals—diversification, growth, or currency hedge.
Lisa MorganOne of the best ways is to take full advantage of tax deductions and credits you qualify for. Contributing to retirement accounts or pension funds can also lower taxable income. If you run a business, keeping track of all allowable expenses really helps. Investing in tax-advantaged accounts or government bonds can make a difference too. And of course, consulting a tax professional ensures you don’t miss anything.
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