How to Become a USAA Member Even If You Aren’t in the Military

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USAA is a fantastic financial institution with so many upsides, such as outstanding customer service and an unparalleled online platform.

I highly recommend you check them out for investments, insurance, or banking in general.

Unfortunately, USAA doesn’t do a stellar job of clarifying membership eligibility requirements. So I have taken the time to outline them here and provide my insight as a USAA member.

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How an Electronic Envelope System Helped Us Pay Off Over $150,000 in Debt

You’ve most likely heard of the envelope system before. It’s a money management strategy that involves labeling physical envelopes according to major budget categories and putting the actual cash amounts into those envelopes.

The benefit to this system is the real-time feedback you get about how much money you have left in a specific category. Once it’s gone, it’s gone. It’s very difficult to overspend if you follow this strategy.

But it can be high maintenance, and even risky, to keep all of your cash in physical envelopes inside your home, car, or wallet/purse.

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Everything You Need to Know About the Equifax Data Breach

I run a cybersecurity operation for a multi-billion dollar financial institution. So, as you can guess, I spent a good portion of the last 24 hours researching and understanding the impact this breach had on our customers. I want to share (what I can) the results of that research with you. Most of which was confidential, and not pertinent to you, has been removed.

With that, please take a look and make sure to follow the instructions to check if you are impacted and to sign up for identity theft protection.

As a side note, if you are looking to protect yourself from a popular form of cyber-attack, please check out my other article on ransomware:

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Debt Free Geeks – Interview With Jane at Cash Fasting

This week, I am sharing a more relatable debt payoff story with you. Not everyone goes pedal to the metal or has an exceedingly high income in a city with low costs of living (elements of my story).

Jane from Cash Fasting paid off $35,000 in debt over a period of three years, most of which was paid while living in New York City. Not only did she accomplish this on a single income, but she did it while still taking some time to enjoy life.

If you have a debt payoff story you’d like to tell, awesome! Please shoot me an email at comment@debtfreegeek.org

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