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If you are in a financial hole, the last thing you want is for that hole to get even deeper. While you are working to pay off debt, be sure to talk to your creditors. Communication is key and most creditors will give you lower payment options and even refund overcharged interest. But you won’t know unless you ask.

One of my favorite money gurus is Dave Ramsey, I took his Financial Peace University class at my old church in Florida and gained so much insight on paying down debt. You can read his personal money tips HERE

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