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The College Student Guide: How to Not Overspend

While it might sound dramatic, admitting you have a problem with spending money is the first step to stopping and taking control of your own finances. As a college student there are various opportunities to spend money when you might not necessarily have it (or it could have been spent elsewhere). Going Out Nights out at the bar, concerts, eating…

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The True Cost of Credit Card Debt

Kyra thought she’d never get into trouble with her credit cards again, after she’d finally managed to control her spending habits. But when her business fell apart, she found herself facing the same problems again. Balance transfers seemed like the perfect way to ride out the storm. But the debt kept rising and her income could not keep up. The…

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How Credit Can Affect My Interest Rates

Your credit score is the primary factor in determining the interest rates creditors will charge you. Your credit score, good or bad, reflects your credit history. So the higher your credit score, the less of a risk you pose to the lender. If you have a low credit score, creditors will charge higher interest rates, along with fees and deposits,…

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