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Bankruptcy 101: The good, the bad, and the ugly
There is a lot of confusion and apprehension about filing bankruptcy. Some people believe they will lose everything they own. Others think they can keep everything and still get rid of debt. The truth...
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6 Ways to Reduce Financial Stress
Most Americans live paycheck to paycheck and the times in between can be very stressful. As we all know, stress is not good for us; it has a negative effect on our health and our relationships....
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Secrets to a Financially Happy Relationship
A happy couple strolls down the aisle hand-in-hand as the church bells let out a triumphant ring and the members of the congregation cheer loudly. The bride and groom are happy, smiling and having the...
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Bankruptcy: Why timing is crucial to get a true fresh start
I talk with people all the time who want to file bankruptcy when they don’t have enough money to support their families, even without debt payments. They may be unemployed and looking for work, only...
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Top Five Tips for Repaying Student Loans
You cannot pick up a paper today or go to an online news-source without reading about the tragic story of a college graduate’s life that has been ruined by student loans. We are only bound to hear more...
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The Truth About Debt Settlement Companies
It’s no secret debt settlement companies have plagued a significant volume of financially strapped consumers over the past few years. It doesn’t help that television, radio, and internet sites...
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5 Tips to Retire Debt Free
No matter how old you are, you may have found yourself dreaming about retirement…thinking about traveling the world, sipping umbrella drinks on a white sandy beach, or volunteering with your favorite...
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5 Expenses That Are Worth The Money
Trying to cover all your living costs, plus save for emergencies and retirement can be a daunting task. Sometimes, the challenge is downright overwhelming. Being frugal can help, but don’t confuse...
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Are You Due For a Financial Spring Cleaning? Five Tips for a Fresh Perspective
Most of us tend to get at least a small dose of the blues over the long winter months, and sometimes, your finances can suffer neglect as a result. Symptoms of financial neglect might include: •...
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The Ultimate Guide to Marriage and Money: 5 Tips for Success
Do you and your partner avoid money discussions because it tends to create too much tension in your relationship? Or maybe you do try to address money issues as a couple, but it always seems to end in...
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How do I deal with medical debt?
Many people do not anticipate having medical bills, but unfortunately most of us will have them every now and then or have on-going medical bills. This debt can be overwhelming, especially if you or a...
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How to pay for an unexpected expense when you’re broke
How many times has something gone wrong and you have no money in your pockets to fix the problem? Time and time again, you may tell yourself “I will start saving money tomorrow, or my next paycheck, or...
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DOs and DON’Ts: How to Use Credit Wisely
There are a ton of mixed messages out there about what your credit score means, if it matters, and what will “hurt your credit score”. It is hard to know what to believe – let alone to know what the...
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Do You Worry About Your Level Of Debt?
The holiday season is approaching. I know you are feeling it as well. I can no longer get by with just a hoodie and flipflops. It’s really winter in Minnesota! I am really starting to feel the stress...
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6 Steps to a Money Smart Start for 2014
The holidays are over now and for many people it’s time to face the reality that is credit card debt. The hard fact is that unless you have a 0% annual percentage rate (APR) or are paying your cards...
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Why Am I Not Getting Anywhere Paying Off Debt?
The cold, hard truths about paying off debt. In most cases, people need credit cards to improve/build credit. We use them to get a good deal – 0% interest for 12 months to get that new couch. Why not?...
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Debt Conquering Strategies
So you have credit card debt. Or medical debt or even student loan debt. Or a combination! It could be a lot or a little. Maybe you are successfully making payments but the balances aren’t going down....
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10 Signs You May Be In Credit Trouble
Is your debt stressing you out? Do any of these sound like you? Charging more each month that you make in payments. Paying only the minimum amount due on your credit cards. Using credit and cash...
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2015 is the Year to be DEBT FREE
Here we are, well into January now. Have you already fallen off the wagon with your resolve to stop eating so much or get more exercise? Don’t give up for the year! Even if those resolutions didn’t...
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Don’t Throw Away Your Money
No intro necessary for this one…we’re just going to jump right in to the facts. If you owed $1,000 at 22.90% APR, here is the breakdown: That “innocent” little credit card you took out to cover...
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