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February 2017 Archives

3 ways to keep retail therapy from deepening your debt

Whether retail therapy is a major reason you now find yourself dealing with debt or you simply want to shop to boost your spirit during financial struggles, continued unplanned spending typically makes the situation worse. Retail therapy makes sense: buying something nice or doing something unplanned for yourself boosts endorphins and positive feelings, which can temporarily reduce the impact of stress. The stress always returns, though, which makes retail therapy an expensive long-term solution. Here are three ways to quash your spontaneous spending habits as you work on debt and financial stability.

You have options if your wages are being garnished

If you're struggling to make ends meet and you can't make payment on all your debts, the last thing you need is someone taking up to a quarter of your paycheck from you, but that can happen. If a creditor obtains a judgment against you on the debt you owe, they can then move to get an order of garnishment that gives them the ability to levy your bank accounts or garnish your wages.

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