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Properly Managing Your Debt to Credit Ratio

What is debt to credit ratio? Debt to credit ratio is the percentage of a consumer's gross income that goes toward paying debts. It shows how much you are using the credit that is available to you, or rather, how heavily your finances lean on credit. How is debt to credit ratio calculated? Your overall debt to credit ratio (also called credit utilization limit) is calculated [...]

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Should I File Bankruptcy? The Dreaded Question

Debt is something which unfortunately many of us will encounter throughout our lives. From the moment we enter the education system we begin to accumulate a series of debts which follow us into our adult lives. The moment that we leave high school and enter into the college or university system we are again faced with increased financial obligations, and then the moment that we [...]

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Debt Free Living: Yes, It's Possible

When I was struggling with debt, I was constantly asking myself "is there a way out?". I came to the conclusion that although that no, there is no "easy" way out of debt. However, with a little hard work, it is possible to get out of debt and live a debt free life. Just take a deep breath, grab a cup of coffee, and finish reading this article to learn how debt free living is [...]

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Should You Pay Off a Mortgage Early?

Owning a home is a big responsibility that traditionally comes with a mortgage payment every month. As a homeowner, you probably have questioned making payments ahead of schedule to try and pay off your mortgage a bit earlier than scheduled. This is a common thought amongst home owners. Many people who owe a monthly mortgage debate on paying it off early. The dispute whether or [...]

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