Right now, you may be pouring over your budget trying to cut expenses. You’re probably taking an especially hard look at the bills that are the same amount month after month. You might be surprised to find out that it could be possible to lower those bills by doing a little bit of negotiating. Home…

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Credit card debt can feel like an anchor weighing down your chances for financial progress. It can lower your credit score and reduce your options in terms of housing, vehicle purchases, and other items. Paying it down is the first step to true financial freedom and a brighter future. Here are four strategies to help…

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