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5 Things to Consider When Refinancing Your Home

Most homeowners consider the major financial decision of refinancing their home at some point during their lives. When done wisely, refinancing can be used to secure better terms for your mortgage, lower your monthly mortgage bill, build equity faster, or tap into existing home equity to cover large expenses.

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Financial Freedom: 7 Strategies to Regain Control of Your Finances

Financial struggles can happen to anyone. When you lose control of the wheel, it can feel like an impossible setback. But no matter what situation you find yourself in, there are practical steps you can take to get back on the path to financial wellness. Here are seven strategies to consider. 

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6 Financial Habits to Set Yourself up for Success

Achieving financial independence doesn’t happen overnight—it’s a journey. By changing some of the everyday decisions you make regarding money, you can create a great financial future. 

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How Credit Scores Are Calculated and What You Can Do to Improve Your Credit Rating

Credit report bureaus are intentionally vague about how their credit scores are calculated. Because of this, it is impossible to know exactly how different types of credit activity will have an impact on your credit rating.

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5 Strategies for Paying off Credit Card Debt Faster

Not all debt is created equal. When it comes to debt that can put you in a financial hole and make it tough to climb out, credit card debt is near the top of the list.

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5 Tips for New Grads to Pay Student Loans Quicker

For many recent college graduates, student loan debt can provide a rude awakening when you enter the working world: You’re able to seek out a full-time job and the extra income that comes with employment, but you also have to start paying back loans you took out to fund your college education.

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6 Ways to Manage Your Debt No Matter How Much You Owe

Debt is involved in some of the biggest decisions and achievements in our lives. Taking out a mortgage, buying a new car, and using loans to pay for college are common ways people accumulate debt, but they don’t necessarily mean you’re mismanaging your money.

The average American household owes more than $137,000 in debt. If you’re in a similar situation, remember that it’s how you manage that debt that counts. Even with high amounts of debt, smart decisions and the right debt management strategies can minimize the impact of that debt and reduce how much you owe.

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What’s the Right Way to Consolidate Debt?

American consumers carry a lot of debt—about $38,000 on average, and that doesn’t include home mortgages. This debt often includes a mix of student loans, auto loans, and credit card debt, and if it isn’t properly managed, it can rack up high interest charges that dig your financial hole even deeper.

But if you’re dealing with high amounts of debt and have no plan to pay it off, there’s no need to panic. Debt consolidation can be a useful strategy for simplifying your bills, reducing the amount of interest you’ll pay, and putting yourself on a path to paying down debt.

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How to Pay Off Student Debt on an Entry-Level Salary

 Student loan debt has become a major point of concern for recent college graduates and their parents. Getting a college education is more expensive than ever, but many students feel that the career benefits of having a degree outweigh the high price tag. As a result, more college students are entering the workforce with entry-level salaries, owing tens of thousands of dollars in student loans. Though this problem is serious, it is not insurmountable. With smart financial planning and a disciplined approach, you can pay off your student loans, leave debt behind, and begin building toward your future goals.

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