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December 2016 Archives

Why you should focus on credit card debt first

If you're trying to get out of debt, many experts note that you need to tackle your credit card debt first. The reasoning here is that cards often have interest rates around 16 percent, which is higher than some of your other loans. If that interest continues to accrue, you wind up further into debt.

Managing holiday spending post-bankruptcy

You've filed for Chapter 7 bankruptcy and received a discharge. You probably feel a huge sense of relief, but that can be short-lived if you return immediately to the same financial habits that resulted in your debt crisis to begin with. It can be hard to change those habits as the holiday season swings into gear, though, because so many people overspend during these months and put gifts and other expenses on credit cards. Here are some tips to controlling your holiday budget.

Are you falling prey to common credit card myths?

While many debt experts say the best way to live is without credit cards or credit card debt, that's not always a possibility. Plus, you might already have a good bit of credit card debt you're trying to handle, and simply telling you to get rid of it isn't helpful advice. If you're struggling with credit cards or other types of debt so much that you can't make ends meet or worry about putting food on the table, then you might want to consider the merits of bankruptcy.

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