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What To Do When Debt Collectors Are Calling

When debt collectors are calling, you need to know how to manage your debt. You may have medical debt, student debt, or credit card debt. You may have a problem with old bills, or you may have issues paying your mortgage. There are a few steps listed below that will help you manage your debt. You do not need to make a payment when the debt collectors call, and you do not need to handle your debt alone.

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When You Should Consider Credit Counseling

Credit counseling is a good way for you to manage debt, understand how to repair your credit, and get help with creditors who are calling you all the time. There are a few tips below that explain when you should talk to a credit counselor, and you will learn about the benefits in each example. Credit counseling is a good thing for anyone to try when they feel they cannot get their debt under control.

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Paying off debt and saving money at the same time

If you have a portfolio of debt that you are managing, you really need to start saving money. Paying off debt without saving will never get you to the point of being able to break the borrowing habit.

If your finances are in really bad shape, you may need to get them stabilized before you can start saving. In extreme cases, it may be appropriate to seek help from food …

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How RRSPs Work: What Can They Do For Your Financial Future?

The RRSP is also known as the Registered Retirement Savings Plan. This is a financial tool that is used in Canada to pool retirement funds or create a personal retirement account. The money that is paid into these accounts can be deducted from your income taxes, and it is taxed at the marginal rate when you make a withdrawal. However, there are several different styles of this account. You need to figure out how you want to use an RRSP when it is time to save for your retirement, offer benefits to your employees, or pool funds with friends and family.

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How TFSAs Work: Why Do You Need One?

The TFSA is also known as the Tax-Free Savings Account. This is an investment and savings tool you can use in Canada to save for anything you like. Anyone over 18 can start one of these accounts, and you can withdraw money from the account at any time. Remember that this account is not the same as an RRSP. If you are thinking about saving for retirement, you should look at what an RRSP can do for you. The people who want to save for a vacation, a car, a home, or college tuition should continue eating to learn about the TFSA.

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