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  • 1. Your "Get Out of Debt" Step-by-Step Roadmap
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    Terms of Use: Your Get out of Debt Step-by-Step Roadmap You've heard the old saying, live within your means. Easier said than done for some. The important thing is that you've reached a point where you realize your life would be a lot less stressful if you didn't have bills to worry about. Short of winning the lottery, what can you do? Here's help. Four rules to live by: 1. Be realistic! If you are spending $500 a month now on food, don't expect to cut your grocery bill t  More...
  • 2. How do I repair my credit?
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    Terms of Use If you want to repair your credit, begin by paying off old debts and correcting any issues on your credit report. Perhaps you've been tempted by the credit repair advertisements you've seen that promise to fix your credit report. The fact of the matter is that there is nothing you can't do yourself (free!) that a credit repair clinic can legally do (for a fee!) to fix your credit report. To request a free copy of your credit report, check out the related link below  More...
  • 3. Medical bills
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    Terms of Use: Did you know that bankruptcies resulting from unpaid medical bills will affect nearly 2 million people this year? Unpaid medical bills are the number one cause of bankruptcy filing in the U.S. today, outpacing bankruptcies caused by credit card bills or unpaid mortgages. The data finds that most of those who filed for bankruptcy were middle-class, well-educated homeowners and carried health insurance. Since bankruptcy is an extreme measure, perhaps there are steps you can take n  More...
  • 4. Getting a handle on debt: His, hers, and ours
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    Terms of Use In order for you to get a handle on your debt, it's important to list everything you owe. Pull together the most recent bills you received, and enter the total amount due on the worksheet provided below. Be sure to add additional line items as needed. Item Amount Home Mortgage or Rent Car Personal Loans Student Loans Credit Cards VISA MasterCard American Express Gas Card Departme  More...
  • 5. What things should I consider when selecting a credit card?
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    Terms of Use: Consider and compare all terms, including the following, before you select a card: Annual Percentage Rate (APR) - the cost of credit as a yearly rate. Free or Grace Period - allows you to avoid any finance charge by paying your balance in full before the due date. If there is no free period, you will pay a finance charge from the date of the transaction, even if you pay your entire balance when you receive your bill. Fees and Charges - most issuers charge an annual fee; some al  More...
  • 6. The credit card you pick can save you money
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    Terms of Use: The credit card you pick can save you money Table of Contents: Credit Card Interest Rates How Much Will You Pay? Credit Card Shopper'sChecklist Deciphering the Application Glossary For More Information Smart consumers comparison shop for credit, whether they're looking for a mortgage, an auto loan, or a credit card. Comparison shopping is important because it could save you money. When you're looking for a credit card, be sure to consider the costs and terms. They can  More...
  • 7. Credit and debit card blocking
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    Terms of Use: Credit or debit card blocking happens most often when you rent a car or check into a hotel. For example, when you present your credit card, the clerk scans your card and this action may electronically ask the financial institution that issued the card to “block,” or reserve, part of your line of credit to cover the expected costs. If it's a hotel, the amount could be the cost of your room for the length of your stay, plus extra expenses like meals and phone calls you ma  More...
  • 8. How do I avoid going into debt during the holidays?
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    Terms of Use You want to give gifts to friends and family but without sinking into debt. With a little planning, you can purchase gifts for others and avoid paying for them (plus interest!) for months or years later. Save in Advance Saving in advance offers several advantages over choosing credit for the holiday season. By saving in advance, your money will be earning interest instead of you having to pay it. This will lower your overall cost associated with holiday spending. Second, saving  More...
  • 9. What can't creditors ask me when I apply for credit and what are my rights?
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    Terms of Use When you apply for credit, a creditor may not: Ask about or consider your sex, race, national origin or religion Ask about your marital status or your spouse, unless you are applying for a joint account or relying on your spouse's income or you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas and Washington) Ask about your plans to have or raise children Refuse to consider reliable public assistance income or regularly r  More...
  • 10. How can I deal with debt when I'm out of work?
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    Terms of Use How to Deal with Debt When You're Out of Work You've found yourself without a job, not knowing how long you may be unemployed. What can you do now to manage your finances in the short-term and long-term? Here's a six-step plan: Step One: Prioritize your debts Step Two: Talk with your creditors Step Three: Pay what you owe (at least the minimum payment amount) on time Step Four: Cut back on your expenses Step Five: If you have to borrow, find the least expensive sources  More...
All information provided through this site is intended to be accurate. However, there may be inaccuracies from time to time which we will make every attempt to correct immediately. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.

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