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How to Deal with Debt

Most debt is manageable and should not consume your every waking hour. If you are as neutral and realistic about your debt as it is about you, it won't dominate your thoughts. But don’t push it to the back of your mind, either. Don't wait to repay it.


 

The Pitfalls of Credit Card Debt
Many people fall into credit card debt because they can't afford to completely pay for whatever they bought during the month. The interest that you owe only makes the original purchase more expensive.

 


 

Are You a Spendaholic?
Spending too much is a serious problem for some people. If you regularly spend all the money you have, you'll always be broke.

 

Correcting Your Credit Report
Credit reports are kept by credit reporting agencies (CRAs), which collect information from lenders. The CRAs organize the information so that when you want to borrow money, a potential lender (like a car dealer) can request your history. A federal law called the Fair Credit Reporting Act (FCRA) controls how your information is collected, used, and corrected.

 

The Pitfalls of Credit Card Debt
Many people fall into credit card debt because they can't afford to completely pay for whatever they bought during the month. The interest that you owe only makes the original purchase more expensive.

 


 

How to Deal with Debt

Most debt is manageable and should not consume your every waking hour. If you are as neutral and realistic about your debt as it is about you, it won't dominate your thoughts. But don’t push it to the back of your mind, either. Don't wait to repay it.


 

Your Credit Card and Your Budget

Careful and disciplined budgeting can help you pay off your credit card debt.


 








 
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