Author - money4u

You don’t like getting into debt, but sometimes you don’t have a choice. Perhaps you have medical bills you need to pay, or maybe you need funds to pay your school tuition or start a business.

When you must borrow money, your first instinct is probably to charge your credit card. But there are several reasons why you should take out a loan instead.

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You usually throw out the big stack of coupons that comes in the mail every week. But did you know that you’re throwing out thousands of dollars when you toss those coupons?

It’s true. People who learn how to coupon effectively can save money on nearly everything. And when you’re pinching every penny, long-term couponing can be just what you need to make ends meet.

New to couponing? Keep reading! We’ve got everything you need to know about couponing basics, as well as tips about how to avoid couponing burnout.

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Your ramen noodles stare up at you glumly. You stare back. If you hadn’t had an $800 bill for textbooks this semester, you wouldn’t be eating instant noodles with the nutritional value of a Styrofoam plate.

Education can be really expensive, and sometimes the thought of eating ramen for the rest of your life-just so you can pay off all of your school-related debt-can be overwhelming. Go to school without becoming a starving student. We’ve got the tips and tricks for surviving school without breaking the bank.

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As you count the days until your next payday, you probably follow a routine something like this:

1. You send bill payments at the last possible minute.
2. If you use checks, you post-date your checks, hoping the bank will deposit them late.
3. You pay the minimum-due amount on a regular basis.
4. You take out a payday loan to tide you over until your bank account deposits your paycheck.
5. You cross your fingers, hoping that all the above strategies will help you get by.

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When medical bills overflow from your mailbox or the credit card company bombards you with calls, you might feel like there’s no way to get out of your debt. Maybe you took out a pay-day loan to cover your bills, but now you can’t cover the interest charges. You don’t want to get caught in the vicious cycle of debt, but you can’t see a solution.

When debt takes over your life, you lose control of your financial situation. You also lose the freedom to do what you want with your money or to save for your future. To get out of debt, you’ll need the courage and motivation to persevere. With these seven motivational tricks, you can do just that.

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