Consolidate Bills – Stretching Your Budget When You Lose Your Job
When it seems that your debt is piling up and you owe money to several different credit cards, then consolidating bills is a wise decision. Minimum payments can add up and if youre only paying the minimum, youll never get anywhere. When you decide to consolidate your bills, you make a decision to take a first step to getting out of debt.
Credit card companies charge interest rates. Thats one of the ways that they make money. They also charge late fees and double or even triple minimum payments if you make a payment later than due. All of these are ways that they create capitol for themselves. Meanwhile, you may be struggling to keep up with the payments of several credit cards. Its easier and more cost effective to get that payment down to one which will be more affordable.
In order to consolidate bills, you first have to gather up all of the credit card bills that you are currently paying. The next time you get a 0% interest offer in the mail, if your credit is good, apply for that card and transfer your balances. This will result in a lower overall payment that you can pay a few...
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