Is your debt balance too high?  This article helps you decide, and teaches you how to get out of debt.

First Things First

  • Tally up your total debt by adding all your credit card, bank loan, and other credit statements.
  • Work out what percent of your income is spent on debts.  Do this twice: Once for all your debts EXCEPT for your mortgage, and a second time for all debts INCLUDING your mortgage.
  • Get your spouse or household partner on-board with the goal

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Lots of people are unclear about how credit works.  This article will help you understand how to establish credit for the first time.

How Do You Get Started Establishing Credit?

Before you can enjoy the benefits of good credit scores, you’ll need to establish your credit history.  People don’t start out with a good credit score automatically.  If you’ve never had credit before, any lender or creditor who researches you will get the same answer from reporting agencies:  “No Data Available.”  So how …

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