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Why It’s Important to Make More Than The Minimum Payment
Paying the minimum on your credit card each month may seem tempting because the minimum is usually a small amount. This isn’t a good idea.
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Learn How to Manage Your Money Better
Getting back on track financially can seem like a daunting — even impossible — task. As the debt mounts — and the paycheck stays the same or even dwindles — bankruptcy may seem like it’s in the offing. Pulling yourself up and out of financial troubles requires time and hard work. But it’s not impossible […]
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Report: Baby Boomers Enter Pandemic With Debt
Before the COVID-19 pandemic forced the closure of businesses and commerce across the United States, consumer confidence was reaching record levels. According to Experian’s 2019 Consumer Debt Study, released in early March, the average FICO score in the United States hit a record high of 703 as more Americans kept an eye on their credit […]
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How to Snowball Debt
If you’ve ever made a snowball before, you know how it works. It doesn’t take a massive amount of snow, at the start, to build that snowball. Instead, you start small, with a handful of the white stuff that you roll and roll in the snow until it becomes just the right size to throw […]
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How Does Bankruptcy Work?
For those struggling with extreme debt that seems impossible to escape, declaring bankruptcy may be the best solution. Bankrupcy can provide debtors with a fresh start to move forward with their lives without being hampered by the pressure of overwhelming debt. It’s a decision, however, that should never be taken lightly. When you file for […]
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4 Things to Look for in Free Financial Counseling
Are you looking for free financial counseling? You might see ads for so-called counselors online or on TV, but how do you choose a counseling agency that has your best interests at heart? How do you separate the good information from the bad? There are a few things to look for in a credit counseling […]
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Get Financial Help With Credit Counseling
Comedian Jeff Foxworthy warned about putting confidence in a brain surgeon whose first words are, “Welp, we’re gonna open up your head, get a stick, dig around and see what we find. Okay?” The appropriate response would be “see you later” and you should flee as quickly as possible. When it comes to your money, […]
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Isn’t it Romantic? Talking about Love and Money
It’s that time of year again. The Valentine decor and candy are all on a shelf or rack at 90% off; many looking chewed up and ready for the dumpster. The fronts of stores now have bathing suits and cruise wear as people seek to escape the snow and sleet for warmer climates. Valentine red […]
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Looking For a New Home? These Affordable Housing Trends Could Impact You
It’s been more than a decade since the 2008 financial crisis, but the affordable housing market is still playing catch up. According to Harvard University’s The State of the Nation’s Housing 2019, home construction remains sluggish. About 1.2 million homes were built in the year that the study covers, roughly 260,000 fewer than the market […]