Your credit score is more than just a three-digit number. It's also a measure of your financial health. A low credit score can make it harder to get approved for new loans or lines of credit. And if you do get approved, chances are you might get ...

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Unless you have more than enough cash at your disposal, you will definitely require credit during some point of your life. Irrespective of whether you're planning to buy a new home, a big-ticket luxury item, a car, or an apartment, your credit score ...

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As you probably already realize, you're going to run into significant problems if you're unable to get your bills paid in full. Late payments will cause your bills to double, if not quadruple. Simultaneously, there is a good chance that your credit ...

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Many of us come across a time where we are so short of cash that we can't pay for the essentials. It may be because you had unexpected repairs or bills that had to be dealt with, it could be because of a problem with your wages, or it may be that you ...

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If you allow your debts to pile up, they can draw you into a vicious debt cycle. You can try to solve the debt problems on your own by implementing some severe austerity measures such as cutting spending to the bone, and selling luxury items to free ...

Continue reading Debt Consolidation Program Pros and Cons You Need to Know

So you think the answer to finally pay off all of your credit card debt is to read dozens of great personal finance books. You've even considered going further into debt, wanting to hit rock bottom, with the hope that such a move would motivate you ...

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Nobody ever truly starts out dreaming of going bankrupt one day -- but sometimes it's a necessary evil. If the day finally comes when you decide to file for bankruptcy, the next decision is to understand the type of bankruptcy that best suits your ...

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Being in debt is largely a matter of second grade arithmetic -- if we spend more than we earn then we'll get in debt; if we continue spending more than we earn then we're likely to stay in debt. The solution is to reverse the equation: Instead of ...

Continue reading 4 Basic Habits That Keep Most People Mired in Debt

When you need money, whether it's to pay for your child's education, purchase a new home, or to pay your bills, it can be tempting to turn to your 401k. However, even if you think that you have plenty of time to pay back the money you borrow from it, ...

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This is a sponsored article for Alliant Credit Union. I'm sure there are plenty of money moments you've had in your life that you wish you could have back. I know I've had more than my fair share. In fact, I recently shared my ten biggest ...

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We all want to have it all. We want to be able to live debt free but still maintain a great credit score. But having your cake and eating it too is widely believed to be impossible. I'm here to prove to you that it is, in fact, possible! It's not ...

Continue reading 4 Smart Ways to Use Your Credit Cards While Avoiding Debt