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Sunday, February 14, 2010

Debt Consolidation

The other day, two friends and I went out to dinner. We were in the middle of a sumptuous dinner when my friend, Marcia, remembered  she has to pay some bills online. Geez, we had to eat a bit faster because she has to make it home in time to pay the bills, one or two of which might incur late payment charges if she does not get to do it on time. There goes the long wait time and our meal. We were able to finish dinner but had to abandon leisurely conversation. *sigh*

It's such a hassle to pay bills that have different due dates. If you are paying it via mail, you have to have stamps ready, and the hassle of mailing it. If you have to do it online, you have to remember several user names and passwords. With so much to do, a lot of us have a tendency to incur late payment chargers. Not only is it waste of money, it also affects the credit score.

If you are having trouble managing your finances, it is not too late to seek help. Credit counseling  can introduce you to debt consolidation. Debt consolidation provides people with that much needed financial education and budget management information that can help you get out of debt, or at least pay your debt on time.


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