If you need help getting out of debt, you are not alone.
Although signs show an upturn in the economy, many Americans are deep in debt, and not everyone can work overtime or a second job to pay down that debt.
This helps eliminate mistakes that result in penalties like incorrect amount or late payments.
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Consolidation works best when your ultimate goal is to become debt-free.
This type of credit card charges no interest for a promotional period, often 12 to 18 months, and allows you to transfer all your other credit card balances over to it.
You use the loan to pay off all of your credit cards.
Then, while you're making monthly payments on the loan, you start to use those zero-balance credit cards again to charge new purchases. A new loan to consolidate credit card debt you just accumulated may not be possible, because the more debt you have has a negative impact on your credit rating.
Over the next few years, Anne experienced a number of financial set-backs.
She opened another credit card to help pay for a major car repair (00) and another to cover expenses when her roommate moved out with no notice (00). As a teacher, she thought she had job security, but her state had a budget crisis and teachers with little seniority were the first to go.
Generally, the more money you borrow, the more you spend, and the more debt you pile up.
For example, let's say you take out a consolidation loan.
You’ll need a good to excellent credit score — above 690 — to qualify for most cards.
Make a budget to pay off your debt by the end of the introductory period, because any remaining balance after that time will be subject to a regular credit card interest rate.
These are not quick fixes, but rather long-term financial strategies to help you get out of debt.