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Women are earning more and taking more responsibility for managing money, but a majority of us aren’t confident about our choices.

According to the Allianz Women, Money and Power Study, six in 10 (61 percent) women wish they had more confidence in their financial choices. Almost two-thirds (63 percent) wish they knew more about investing and financial planning.

Personal finance blogger Melanie Lockert wants to help. Or, rather, she wants to encourage women to help themselves. The upcoming Lola Retreat will be a place where women can talk openly about money: how to earn it, save it, invest it and enjoy it.

 


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I’m not going to be with my sweetheart today, except in spirit (and by phone). That’s because I came back to Phoenix to lend a hand after my son-in-law broke one foot and badly sprained the other.

Since I won’t have a holiday of my own, I’m focusing on other people’s Feb. 14 follies. For example, did you know that some people buy Valentine’s Day gifts for their pets?

Not making that up. Couldn’t make that up.

 


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Found money in 2016.

I waited a little longer than usual to count my found money. For those unfamiliar with the concept: All year long I pick up coins from lots of places: stores, sidewalks, parks, the return bins of Coinstar machines.

Usually I add up my found money around Thanksgiving, then add some more and donate it to the Food Bank of Alaska. This year I decided that the holidays are when people most like to donate to food banks, so why not wait a while?

Here’s what I found this year:

 


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The concept of a “spending freeze” pops up every so often in the personal finance blogosphere. January is prime time for this tactic, given the joyful excesses of the holiday season.

Spending freezes have been announced at a couple of blogs I follow, Jana Says and The Frugalwoods. They’re slightly different: Mrs. Frugalwoods wants to help you “restructure your frugal mindset,” while Jana invites us to join her as she learns “to start paying attention again.”

While leaving a comment on Jana’s post I used the phrase “hypothermia of the budget.” That’s where DF and I are this January, and probably for the next six months. Or maybe longer.

 


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th-1More than half of U.S. consumers (mistakenly) believe that carrying credit card balances will help improve their credit scores.

It won’t. It won’t. It won’t!

Yet according to the 2016 Capital One Credit Confidence Study, 52 percent of us still think it will. The study also mentioned a new (to me) credit score myth, one that’s believed by about the same number of people.

 


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