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Andrea Woroch

Consumer - Finance ExpertWoroch Media Inc. / Andrea Woroch

Bakersfield, CA

Published content

Seven Secrets to Building Wealth (That You Can Implement Today)

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The best-kept secrets to building wealth aren’t so secret after all. It’s no secret that most people would like to make more money. To be able to earn more, save more, give more and spend more is a dream that can often feel out of reach for those who don’t currently have the means to accomplish these goals. What does feel like a secret, however, is how those who are building wealth successfully are doing it so well.  How is it that the wealthy seem to have it all figured out? What information do they have access to that others don’t? According to the financial experts of Kiplinger Advisor Collective, it’s really no secret at all — and it doesn’t have to be that difficult to start.  By building habits like saving and investing consistently and maintaining the right mindset, you too can build wealth that can help you achieve your goals and give you peace of mind for the future. Read on to discover seven steps you can take today to get started.

12 Steps to Take Now for More Financial Success in 2025

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Why wait until January to get a head start on your goals? As the new year quickly approaches, people are readying their New Year’s resolutions and goals, hopeful for a brighter year and a new-and-improved self. But you don’t have to wait until January to start making a change. There are many steps you can take right now to get ahead on your goals and start 2025 off with a more impactful bang — especially when it comes to your finances. From designing a comprehensive financial game plan to automating your savings and investments, taking these steps now will ensure you set yourself up for success in 2025. For deeper insights into these steps and more, read on to hear from the members of Kiplinger Advisor Collective and their best tips for a prosperous new year.

Eight Tips for Surviving the Holidays and Sticking to Your Financial Goals

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Use these practical strategies to help you navigate seasonal spending in a less stressful way. Amid all the joy and cheer the end of the year brings, the holidays can be a hectic — and expensive — time. Purchasing gifts for loved ones, making travel plans, attending parties and enjoying the multitude of festive celebrations and events that crop up can end up putting a strain on one’s finances and detracting from the positive spirit of the season.  But whether money is a bit tight this year or you are working toward a particular financial goal, you don’t have to sacrifice holiday cheer to stay on track with your spending. Consider implementing one or more of the following tips, as recommended by the financial experts of Kiplinger Advisor Collective, to help you avoid overspending and enjoy this special time with your family and friends.

Seven Simple Ways to Improve Your Credit Score (According to Experts)

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In the world of credit, responsibility is greatly rewarded. If you’ve ever set up a credit card, you’ve likely heard the term “credit score.” This number helps creditors determine how likely you are to pay bills or pay back loans should you borrow money. This number can affect many aspects of your life, including your ability to rent an apartment, purchase the house you want, take out a loan or even buy a car. Having a low credit score can hold you back from reaching your full financial potential and accomplishing your goals. And while raising your score may seem like a huge hill to climb, there are a number of simple strategies you can use to help yourself get to the top faster. As financial leaders, the members of Kiplinger Advisor Collective know how frustrating it can be to have a number dictate your future. Here, they share easy tips anyone can use to improve their credit score, build better financial habits and take back control of their money.

Seven Ways to Ensure Your Spouse Is on the Same Page About Money

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Getting aligned early on is the best way to set you and your spouse up for a successful future. In marriage, it's all about being on the same page. Will you purchase a home in the suburbs, or rent a condo in the city? How many children will you have, if any at all? What values are most important to you? There are many important topics to discuss and align on (or at least compromise on) if you want your marriage to stand strong against the pressures of time.  But one area many couples struggle to agree is money. Whether that means how to spend it day to day, or what goals to start saving toward, disagreement in this area can spell disaster for even the best relationships.  If you’re having a hard time getting your spouse to engage in financial discussions or get on board with the financial plan or goals, the experts of Kiplinger Advisor Collective are here to help. Below, they offer up their top tips for how couples can approach financial alignment in a way that will strengthen their relationship for the long term.

10 Big Mistakes These Financial Experts Recommend Avoiding

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Learning what not to do can put you on a better path to success. In finance, there are all sorts of best practices that can help you build wealth and gain confidence with money. However, for every best practice, there is an equal number of bad practices that can derail your progress or even completely jeopardize your future success.  And while failing to build a budget or letting ‘lifestyle creep’ take hold may not seem like they will have a major effect on your finances, it’s often the small mistakes that can lead to big trouble down the line. As leaders in the financial industry, the members of Kiplinger Advisor Collective are familiar with the kinds of mistakes that can negatively impact a person’s overall success with money. Here, they each share one financial “don’t” (or mistake) they always advise their clients to avoid, why and the impact it can have on their future. 

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