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Listing all personal items and other non-essential expenses will alert you on where your money is going. Read more

You should know your level of debt (debt ratio) Read more

Did you know that a $ 10,000 balance at 20% interest will take up to 23 years to reimburse Read more

Be advised that credit cards are the single most important cause of indebtedness for people who need our help. Read more

Avoid « Buy now and pay later » financing. Read more

Plan an emergency fund for your current expenses in case of an unforeseen loss or reduction of income. Read more

Always ask yourself if you really need the item. Read more

Remember that just because your financial institution offers you credit does not mean you have to accept it. Read more

Beware of ads promising to re-establish your credit rating and score with a simple loan or in exchange for the payment of fees. Read more

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