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Three smart money moves to make during the coronavirus crisis

1. Bulking up your emergency fund: Millions of Americans have been left without jobs due to the coronavirus crisis and many experts suggest the unprecedented economic shutdown necessary to slow the spread will leave millions more unemployed. If your income hasn't yet been affected, act as though it could be and start squirreling away cash in an accessible high-yield savings account so the money will be there when you need it.
2. Cutting spending: Cutting your costs has a double benefit. It will free up more money to save in your emergency fund, and it will enable you to live on less if your income is reduced or you lose your job due to the economic fallout of COVID-19. 
3. Refinancing debt: The Federal Reserve has lowered interest rates to encourage lending. While it's not a perfect correlation, when the fed reduces the overnight rate, banks usually follow suit by reducing rates on consumer loans. If you can qualify for a low interest loan right now, it may be an ideal time to refinance your mortgage, private student loan debt, or credit card debt. Lowering your monthly payments by refinancing has the effect of reducing spending, which provides the twofold benefit described above. 

   2 things to avoid

   While you want to free up cash and reduce monthly expenditures, there are also some things you should try to avoid. Here are two money moves you could come to regret. 
   1. Raiding your retirement accounts to raise money to cover current expenses: The CARES Act, a massive federal stimulus bill aimed at lessening the economic effects of coronavirus, made it easier to both make penalty-free withdrawals from retirement accounts and to borrow from them. Unfortunately, doing either could reduce the money you have as a retiree. There could also be other consequences, including the possibility of facing a penalty if you take out a 401(k) loan it turns out you can't pay back. 
   2. Panic selling investments: It can be really hard not to react to stock market volatility, even as history tells you that markets always recover from downturns when given time. If you sell when you've lost money, you lose the chance at participating in the recovery. As long as you're confident in your investment strategy and you own shares of high-quality companies likely to stand the test of time, there's no reason to panic sell. 

   Make the right money moves now

   Managing money during an economic and public health crisis isn't something most people have experience with. But if you save up cash, reduce your spending, and stay the course when it comes to your investments, you should hopefully come through the coronavirus pandemic with no lasting damage to your financial situation. 

Success means something different to every person:like beauty,  It exits in the eye of the beholder. It is your responsibility to determine what success means for you, and how you go about breeding success in your life.  

Despite this, there are definitely hindrances to success.These drawbacks are ubiquitous in their ability to deter your success. But don't fret because if you seek success ,and your fear your action are blocking your desire for success, you have the power and control to overcome the following  OBSTACLES.

MAKING EXCUSE :

Stop blaming other people for why you don't get what you want. Stop refusing to accept responsibility for your mistakes.You make your own choices and you make your own mistakes.In general, stop justifying your poor choices and stop attributing your lack of success to thing outside of your control . Successful people don't do this. You are going to err. You are going to fail. Do not waste  time looking externally when there is many opportunities you can explore through the Internet.  Make money online is how to make money fast online. From the Forex trading market, stock trading market, blogging for income, home based business opportunity, there friends, you have many ways to make money online.

 Do not waste time looking externally by creating excuses for why you did not achieve success. Yes, there are negative circumstances in life that you do not have control over, but remember that there are many more positive in your life than negative. If you want to achieve success in your life then you need to concentrate on the good.