Credit cards, personal loans, and mortgages. While it can be easy to pick up debt as you go through life, changing interest rates, workplace interruptions and other life changes, can make it much, much harder to repay that debt.
A few simple tips can make the task a lot easier.
Taking Stock of Your Debts
First, know exactly what debts you have. If necessary, write a list of every debt you have, detailing the exact amount outstanding, the rate of interest being charged, including both the interest rate and the dollar amount charged each month and the time required to repay that debt.
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