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How to Create an Emergency Fund

March 18th, 2016

Having an emergency fund can help you avoid being surprised by unscheduled needs in life. Whether it involves an unexpected trip to the hospital, your car breaking down or a necessary renovation in the kitchen, having the funds available in a pinch is always desirable. Most people look to their credit cards to provide a safety net in these instances. While it is a plausible method of being ready for an emergency, having the money available for the same purpose can help avoid the inevitable debt that would follow. Here’s how you can create your own emergency fund.


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Why You Need Professional Debt Settlement

March 18th, 2016

Debt settlement can help anyone dealing with serious, unsecured debt find a way to reduce what they owe and pay it off in less time. While it is possible to have this done on your own, utilizing a professional service like Guardian Debt Relief would give you the advantage over trying to achieve a settlement on your own. Here are a few reasons why professional debt settlement can result in greater success over do-it-yourself debt settlement.


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Eliminate Debt: How To Get Debt Relief

March 15th, 2016

Debt relief encompasses many forms to meet the needs of anyone who has debt. There are multiple ways to reach the goal of eliminating debt. Not all forms of debt relief are meant for everyone, however, and only some have the ability to work for certain types of debt. In some cases, some forms of debt relief might end up doing more harm than good. It is best to know as much as you can before making a decision to stick with one form of debt relief.


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How to Avoid Debt Relief Scams

March 11th, 2016

Making the decision to handle your debt through a professional can be a wonderful thing. There are many benefits to having a professional debt relief company take care of your debt. With an established company representing you, you can avoid stressful interaction and time-consuming paperwork. However, there are a fair number of fraudulent debt relief companies out there. It is important to know what to look for in a debt relief company and what to research before committing to one. It could be the difference between thousands of dollars for you.


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How to Get Rid of Student Debt

March 11th, 2016

Student debt is a lingering financial thorn in the side of many Americans who have attended college. The massive amount of money that has to be paid back to the government can leave some people in terrible financial standing. Many individuals spend their entire lives trying to pay off their student loans. The worst part about student debt is their stubbornness to be resolved in regards to debt relief. However, there are ways that student debt can be resolved without having to pay. First, we must understand the nature of student debt and what options we have to eliminate it.


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Student Debt: Forgiveness versus Discharge

March 10th, 2016

In certain instances, there are debts that can be erased without the need to pay them off. Two of these debt elimination examples are debt forgiveness and debt discharge. Each of these occurrences results in the individual no longer having to pay the debt. However, there are differences in how the two forms of debt elimination operate and how they can be achieved. Since these are not traditional forms of debt relief, their acquisition methods are more specific.


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Military and How Debt Affects Them

March 9th, 2016

For many soldiers who spend their time away from home, finances can create a large problem. Without the ability to directly deal with them, soldiers can often end up returning to massive debt. While it is a problem for some people to maintain their debt while they are present and working, it can be far more pressing for a veteran (or his/her family) to handle when not present. The effects that debt can have on a veteran can be crippling, even more so than on a regular civilian.


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Medical Debt and its Effect On Us

March 8th, 2016

Medical debt has the same financial effect as other kinds of debt. However, the emotional toll medical debt can take can far exceed that of any other financial situation. With the numerous amounts of medical emergencies (both expected and unexpected) that exist, it can be hard to focus on repaying an existing medical debt. Unfortunately, health insurance provider and debt collectors may not share your partial nature about the reason for having a medical debt. Here’s what you can do about your medical debt to try and alleviate the aftereffects.


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The Truth about Secured Credit Cards

March 4th, 2016

Credit cards come in many forms. There are cards that can satisfy almost any financial need one might have. With varying levels of credit worthiness, however, it is harder for some to get be accepted for any credit card. If you have poor credit or no credit, applying for a new line of credit can be a depressing endeavor. Secured credit cards were conceived for this very reason. Here’s what you need to know about secured credit cards and how might they impact your financial standing.


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3 Ways to Build Credit Without a Credit Card

March 3rd, 2016

Credit can be a hard thing to obtain, especially if you have no prior experience in using it. A Catch-22 of sorts, having no credit can hinder you from being able to successfully applying for new lines of credit. Many individuals want to have a concrete way to build credit without placing themselves in a risky situation. Due to this mindset, some may choose to avoid applying for credit cards early on. Without a credit card it may be hard to think of other ways to build credit, but it is possible. Here are three ways to build credit without using a credit card.


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