3 Signs You Need Credit Counseling

Dealing with an unmanageable amount of debt is scary and overwhelming. Credit counseling is designed to help you restructure your debt and negotiate with your creditors to make things much more manageable. Here are three signs you could really…
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How to Get Payday Loan Debt Relief

First things first, what is a payday loan? A payday loan is a short-term loan that usually amounts to less than $500, and needs to be paid on your next payday. But fees add up and they can increase to upwards of several thousand dollars when…
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How to Consolidate Your Credit Card Debt

While consolidating your credit card debt can be extremely helpful for some people, it isn’t the right fit for everyone. You have to be committed to paying off your debt even if it means changing your lifestyle. Additionally, if you have…
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How to Improve Your Credit Score

In today’s society it has become nearly impossible to live your life without using credit to make purchases. Mortgages, car loans, and student loans are all staples of life for the average person. Most people also use credit cards to purchase…
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How to Budget Discretionary Spending

Many people end up in debt or financial trouble because they try to live beyond their means. The first step to pulling yourself out of debt or financial trouble is to eliminate this over-spending with a budget. When you use a budget you are…

Top 5 Indicators You are in Too Much Credit Card Debt

While there are quite a few debt calculators out there that will use your information to determine whether you fall under the definition of having too much debt, there remains the general rule of thumb that if your debt payments (including your…