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Why A Debt Consolidation Loan May Not Be the Best Answer
When you’re in debt, a debt consolidation loan can seem like the best solution, but it could create more problems than it solves.
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Are You Aware of the COVID-19 Government Financial Relief Available?
A recent survey by Credit Karma of 1,037 U.S. adults conducted in April indicated that nearly 80% of consumers who have been unemployed and financially impacted by the coronvirus pandemic are not utilizing the COVID-19 government financial relief available to them. Although a majority of those who answered (roughly 79%) indicated that they knew about […]
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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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Breaking Free from Emotional Spending Part 2
Welcome to the post-holiday season. For some of us, the holidays were a joyous time with our families and friends; we received gifts, made beautiful memories and perhaps ate a bit too much. Others of us heard Visa, Mastercard, and Amex calling our names and our available line of credit proved to be a temptation […]
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Smart New Year’s Resolutions: Set Yourself Up For Financial Success
A new year, a new you. Have you made a New Year’s resolution? Keeping your resolutions is possible, if you make a plan for success.
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Thankful for Good Debt?
Debt is a huge drain on many Americans. In fact, American household debt hit a record $13.21 trillion in 2018. But, believe it or not, not all debt is bad. Some forms of debt can be classified as “good debt” – or debt that provides us with advantages – as long as we don’t abuse it. In […]
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Credit Counseling & Credit Card Consolidation—What’s the Difference
When you’re struggling with debt, there are a number of options for help, such as credit counseling and debt consolidation. Which option is right for you?
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Understanding How Payday Loans Work
People who are having trouble paying bills sometimes turn to payday loans to get the cash they need, but these loans are very costly.