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debt consolidation

5 Myths About Debt Consolidation Debunked

Are you wondering whether to go for debt consolidation or not? Maybe you have heard some rumors about it and need some new perspective. Debt consolidation is nothing but merging all your debt into one loan with a lowered interest rate and extended repay period. It might seem easy and straightforward but it’s not. There are many terms and conditions that are involved which make applying for a debt consolidation a headache. Here are the 5 myths about debt consolidation loans. 1. It is bad for your credit score Consolidating your ...
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Dream on small budget

When to Stop Dreaming and Start Building Your Dream Home

You have been dreaming of a home for many years. You have also been saving a significant part of your income. You are still waiting for the right time to start building your home. Today is the time for you to take proactive steps without procrastinating further. Evaluate Your Savings You may have done the savings in many forms. Bank accounts, stocks, bonds, and other investments can be useful for making down-payment to your mortgage loan. But you’ll need to convert them into cash assets before taking up the mortgage project. You can ...
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Budget

Things you must do to Avoid Bankruptcy

Many people often find themselves surrounded by debt mainly due to lack of financial management. It often leads to bankruptcy which in turn can lead to a bad credit score. It is quite a financially devastating situation, and nobody wants to get in this. So to avoid such kind of problem, there are a few things that one can do. Now here is the list of things that you can do to avoid bankruptcy. Sell out some of your assets It is quite an excellent method to pay for your debts. You should try to sell out things that you can spare and ...
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money on car

Why lower IDV is not the best option for your motor insurance?

What is IDV? IDV stands for that maximum sum which is insured, the amount of which is agreed upon by the insurance provider that will be then reimbursed to the policyholder in cases of loss being either partial or complete. These losses can be either in the cases of theft or accidents or etc. thus the IDV is basically the current market value of your automobile that is insured. The full form of IDV is Insured Dealer value and is a vital aspect when it comes to the determination of the comprehensive car insurance cover premium. Now the value ...
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How to Stay Calm and Motivated During a Debt Crisis

The one situation of your life which you would want to avoid is a debt crisis. You might have an excessive need of having to take that loan, but paying it off needs to be done in a way that will not make you lose yourself. Many tend to have these debts and it will occur in a phase of life where you will be left high and dry. You would have spent it all and are now looking at the task of paying it back so that you get back to your usual schedule. While doing so, it is important to keep your calm and stay composed. Because if you do not keep it together, ...
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Myths of Student Loans

Four Student Loan Myths All College Applicants Must Ignore

Some people believe that student loans are a piece of cake. Though student loans enable you to pay your college fees and let you have an uninterrupted higher education, they usually come with a price. What makes this process tougher are the widespread misconceptions about the procedure. Before applying for a loan, you must know what you are getting yourself into. In order to do that, you must distinguish between facts and myths. Listed below are four common student loan myths you must know about. The loan will affect your credit score The fact ...
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3 Simple Steps to Steer Clear of Financial Debts

Perhaps you spend like there is no tomorrow. And your online shopping binge has racked up a great deal of money at a frightening interest rate. Maybe you have so little money that you can barely keep your head above water. Don’t fret. There is a way out. To bail you out of the situation and give your financial health a good spanking, follow these steps. Assess the Extent of Financial Damage So, you had amassed a whopping amount of debt including credit card arrears. A lot of people do not what to do to improve their situation from that gaping ...
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4 Tips To Pay Down Your Student Loans

Oh student loans. So many of us have them, right? You might have them, or maybe someone close to you has student loans and that’s why you are reading this article. For me, I am all about paying down student loans as quickly as possible. They are probably your biggest or one of your biggest monthly payments each month, and the stress that comes from that can be very high. Here are my four tips to pay down your student loans as quickly as possible: 1. Lower your budget. If you want to pay down your student loans quickly, then you need to look ...
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