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Budgeting, debt relief, credit health, career tips and more.

Almost Debt Free Holiday Planning

Planning An Almost Debt-Free Holiday Season

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Decorating your home, buying gifts and making elaborate holiday meals are just a few of the things that make the holiday season so special year after year. Holiday fun is a great escape from the doldrums of everyday life, but all that fun and diversion can get pricey. Instead of spending on the holidays and worrying about the debt later, we recommend following some planning guidelines. Your holiday season doesn’t have to be totally debt-free, but these tips will help…
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8 Reasons Not To File Bankruptcy

Should I File for Bankruptcy? 8 Reasons Not To

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Filing for bankruptcy is an important decision that is usually made under stressful circumstances. If you are overwhelmed by your debt, default is a legal process that could relieve you of your financial burdens. In the short term, filing for bankruptcy could stop a foreclosure or car repossession, protect your wages from garnishment, or keep your utilities from being turned off.
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Store Credit Card Sign Up Discount

Should You Open a Store Credit Card Just to Get a Discount?

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If you’ve ever been shopping at a major retailer, you’ve probably had a cashier offer to sign you up for a store credit card with the promise of saving you money on your purchase. These offers are hard to miss because most stores are trying to meet a quota of new credit card sign-ups, and cashiers are required to offer them to you. Some of the sign-up discounts can be pretty appealing, as can the regular rewards, but should you…
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Gen Z Credit Card Use

A New Generation of Credit Card Debt: Gen Z and Credit Card Use

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As Gen Z-ers enter their twenties there has been a dramatic increase in their credit card use. At 31.4 million strong, credit-eligible Gen Z-ers make up 40% of all consumers in the United States. This influx of new spenders has reinvigorated the credit card industry after the lull it experienced when millennials were coming of age during the 2008 recession.  Why is this new generation so eager to use credit cards and will they learn from struggles of their parents…
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Mistakes to Avoid When Consolidating Debt

5 Mistakes to Avoid When Consolidating Credit Card Debt

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Consolidating your credit card debt can help simplify your monthly payments and fast track you to paying off your debt. Unfortunately, there are a few things that can derail your progress. If you are considering debt consolidation for your credit cards, make sure you avoid these mistakes. 
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Unemployment Benefits and Taxes

Unemployment Benefits Are Taxable: What You Need to Know

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Between February and March of 2020, the number of Americans who filed for unemployment benefits rose from 6.5 percent to an unprecedented 14.7 percent. This is an all-time high for the nation, and although unemployment rates have started to come down, everyone who received benefits will have to take them into account when they file their taxes. That means that more than 60 million Americans will report unemployment insurance benefits as income on their 2020 tax return.
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Holiday Budget Tips

7 Tips To Get The Most Out Of Your Holiday Budget

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We look forward to the holiday season every year as a time to set aside our worries and focus on celebrating with family and friends. With this in mind, it’s especially important that you make a sound holiday spending budget so that financial concerns don’t get in the way of your fun. 
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Debt Relief: Settlement vs. Making Minimum Payments

Debt Relief: Settlement vs. Making Minimum Payments

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Juggling multiple debts, in addition to paying for your other living expenses and bills, can be incredibly difficult to handle. If your funds are already stretched thin, you may only be able to make minimum payments toward your debts every month. While this can satisfy your creditors and maintain your credit score, it can take years to pay off and cost you much more in interest. A debt settlement program could help to cut your debt in half, but is…
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Debt Relief: Settlement vs. Debt Consolidation Loans

Debt Relief: Settlement vs. Debt Consolidation Loans

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Working your way out of debt can be difficult to manage, but balancing multiple debts can seem nearly impossible. Many have found that combining multiple debts into one debt helps to streamline monthly payments and reduce the number of creditors that they’re dealing with. You can accomplish this through a debt consolidation loan or customized debt settlement program offered by Accredited Debt Relief, but which one is the most effective?
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