5 Smart Ways to Use an Unexpected Cash Windfall

Sometimes, in this crazy world, something wonderful happens. You fall in love. Your cat curls up on your chest and falls asleep purring. Or, perhaps most magical of all, you get a great big chunk of cash on top of your normal earnings. Unfortunately, a lot of people squander their good fortune. A colleague of mine, for example, won some unexpected money playing craps in Atlantic City and used the money for a big night out and an Apple Watch. There’s nothing inherently wrong with that, I guess, but there are definitely smarter ways to use bonus money when it comes along. Today, we’ll take a look at why we tend to waste our windfalls and run through a list of smarter uses for life’s unexpected bonuses.

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5 best financial smartphone apps

It’s almost a cliché, but at this point in human history, if there’s anything you want to do, there is definitely an app for that. If you want to lose weight, there are a million great calorie trackers and exercise guides. If you want to find your way around a new city, there are awesome travel guides and transit maps. And if you want to manage your finances like a pro, there are a LOT of great apps that will help you do just that.

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Let’s say you have a credit card debt problem…

Maybe you’re reading this with a sheen of cold sweat on the back of your neck, because you feel like it’s addressed to YOU! The average American who carried credit card debt is carrying around $15,500 of it (note, this is the average for indebted people, not for all households, because there are many households in America that don’t have credit card debt – I know right?!).

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