A word on debt consolidation programs, for most people they stink.  The bottom line is that these programs do not actually reduce your debt at all, but merely the interest rates.  This is not satisfactory enough to really get most people out of the debt problem they are currently in. A much better option would …

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If you are like most people, you never received instruction on personal finance in school, and your parents probably did not discuss money with you either.  After you moved out, you had to muddle along on your own, figuring out on your own how to best manage your personal finances.  This article will discuss a …

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