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5 Signs You May be in Trouble with Credit Card Debt

When used carefully, credit cards can be an effective financial tool. Smart use of credit cards can help build and maintain a solid credit history. And credit cards can be useful when unexpected expenses come up. Plus, you generally need a credit card to conduct transactions such as reserving a hotel room or renting a […]

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5 Easy Ways to Earn Extra Money

Whether you’re saving for something special, trying to pay down debt or just need some extra cash to hold you over until payday, everyone could use some extra money coming in. But if you’re already working full-time or spending your day looking after kids, it probably feels like there’s precious little extra time to earn […]

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Tips for Using Credit Cards Wisely

There’s a lot of conflicting advice on using credit cards wisely. Some experts warn that cutting up cards and using cash for every purchase is the only sure path to financial well-being, while others suggest healthy credit card use is necessary for building a good credit score. Here are 13 must-do tips for using credit […]

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Your 2015 Financial Goals

Whether or not you make New Year’s Resolutions, the New Year is a good time to take stock of important milestones, including your personal financial situation. Did you run up some holiday debt you’d like to pay off quickly? Are you falling short of having $3,000 in your emergency fund? Or maybe you’re thinking it’s […]

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Is Financial Stress Affecting Your Health?

It’s no secret that excessive stress of any kind can take a toll on your health. But financial stress can be especially damaging as it can have a number of secondary effects across all facets of life. Take a look at the potential health risks of financial stress and start taking steps to manage them.   […]

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Free Resources to Help Improve Your Credit

Establishing and maintaining good credit is an important part of any financial plan, but it can be hard to strike a balance between building credit and building debt. With a steady stream of credit card offers arriving in your mailbox or popping up online, it’s easy to obtain new credit – but how do you […]

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How Do I Deal with Debt Collector Harassment?

Dealing with calls from a debt collector can be unpleasant at best; dehumanizing at worst. Most debt collection agents are paid on commission and receive minimal training, which can lead them to behave aggressively. The law forbids them from using threatening language or profanity. (That doesn’t mean they won’t, however). Fortunately, the Federal Trade Commission […]

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What is Nonprofit Credit Counseling?

Have you ever looked at your credit card statements and been shocked by how long it would take to pay them off? Or gone grocery shopping and spent far more than you planned? Or wondered if that gym membership is really worth the monthly fee? Nonprofit credit counseling can help you address these issues, along with […]

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Do’s and Don’ts of Negotiating Credit Card Interest Rates

Credit card interest rates aren’t etched in stone. In order to retain business, creditors may lower the interest rates of responsible credit card holders who make the effort to ask. A 20-minute phone call could help you drop a few percentage points, but many often wonder: is it worth it? Let’s take a look at […]

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The High Stakes of High-Cost Lending

Check-cashing and title loan companies continue to be a fast-growing area of the financial services industry. These lenders often appeal to individuals and families whose monthly budget comes up short and have low credit ratings, which leaves them few choices when it comes to borrowing cash to make ends meet. Payday Loans Payday lenders typically […]

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