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Mobile finance apps have reduced my spending…And I don’t even use them

Do you want to change your spending, saving and budgeting habits, but keep putting off downloading a financial app because that would make it all just too real?

Well, I have found a solution to this problem — or at the very least, a step in the right direction.

This solution is relatively stress-free and doesn’t require you to do much at all, because it involves a psychological trick you play on yourself. (I do wonder—will this work now that I’ve exposed it?)

I’ve downloaded a number of finance apps, but have never been able to use them with any degree of consistency.

Some I delete, some are too painful to look at, some I just choose to ignore. Most recently, I downloaded an app that reminds me at 7 p.m. to upload my expenses and income for that day.

I haven’t entered anything in ages, and yet, for some reason, I continue to allow the app to notify me every day, rather than simply deleting it. (The notifications often pop up right about when I’m in the process of spending too much money on dinner).

Despite my decision to accept these nagging requests as a mere annoyance in my life (I have to actively cancel out of them), I have found myself undergoing some new, personal changes.
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Michaels offers handy DIY solutions for customers exposed in possible data breach

Michaels data breachAnother week, another retailer announcing a possible data breach that could compromise customer data and expose them to the risk of financial fraud.

A few weeks ago, it was Target, then Neiman Marcus (who, like Target, is offering free identity theft protection for a year). This time, the retailer in question is Michaels, which is hands down the best place on Earth to buy assorted sizes of Styrofoam balls and everything you need for scrapbooking your cat’s birthday party.

The company put out a press release on Saturday to let us know it may have suffered a data breach attack and urging customers to take action.
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Target, other retailers sorry about data breaches but somehow they just keep happening

Target data breach just more of the same for consumers

This week I got an electronic mail from Target containing some sad news.

Addressed with maximum sincerity to “Dear Target Guest,” (I always get a warm fuzzy feeling when they call me that) the email notified me that in addition to the theft of 40 million customers’ payment information reported in December, thieves had also gained access to the personal information of 70 million customers, including our names, mailing addresses, phone numbers, email addresses and maybe other stuff.
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