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The 3 Keys to Successful Budgeting

February 26, 2013

A budget, or spending plan as it is also called these days, is a very basic foundation for personal finance. And yet so many people struggle with budgeting. As someone who has 40 years of experience in banking and credit counselling, I have learned some key principles to budgeting that I would like to share with you.

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Debt Management Program and Car Q&As

February 19, 2013

When I start a DMP, can I keep my car? Yes.

In order to qualify for our special Debt Management Program (DMP) there is no obligation to sell your car. Unlike bankruptcy, you are not required to forfeit your non-exempt assets in order to consolidate your debts.

Can I put my car loan on the program? Maybe.

If you have an auto loan and you still own that vehicle, it is considered a secured debt and cannot be added to a DMP. Only unsecured debts qualify for debt consolidation. However, if you no longer possess the vehicle, or the value of the vehicle is so low compared to the amount owing on the loan, then the auto loan may be actually unsecured and it is possible to be added to your debt repayment program.

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Debt Isn’t Romantic

February 13, 2013

This Valentine’s Day, you and your beloved partner may be focused on date night and romantic gestures while putting your money troubles aside, but debt and financial conflict is one of the biggest causes of relationship breakups. Show true commitment to your partner by sorting your money conflicts, and uniting with common financial goals, before it’s too late. Follow these steps to gain financial harmony in your relationship:

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