to get, guess what? You only have $75 in credit. Go over that, and get ready for some nasty fees. So how can you get your life back to normal? Before you do anything else, you have to change your spending habits. Really think about the cost and quality of things and put yourself in control. For example, is it really worth it to buy that brand-name bread when the store brand is just as good and costs a dollar less? It's a small-scale example, but if you can apply that kind of thinking in baby steps, pretty soon you'll be able to apply it to everything you buy, no matter how large. So clip coupons, try to buy when things are on sale, and don't go hog wild when you do buy. Second, prioritize your bills. Your most important, must-pay-on-time bill every month should be your rent or mortgage. It's your shelter, and without it, handling anything else that comes your way becomes a lot more difficult. Your utilities are next, because you have to be able to cook and store your food. Your third most important bill might be the telephone, the fourth your cable TV or satellite, and so on. Take an average of how much of your pay check goes for rent/mortgage and bills. Then, set aside a little bit of each check to put toward each bill. It might be tedious, but trust me; it will be worth it once you get into the flow. The second thing you have to do is save up $500, doing the same as you've done for your bills - take a bit out of each pay check. Only this time, open a new account. Once you've saved $500, run to your nearest bank and request a secured bank loan for that amount. The bank should have no problem granting your request, as the money's already there. For the next 90 days, make your payments on time, every time. You will be amazed at how much faster this will build your credit than those high-risk cards! If you have to use credit, why not do so to your advantage? Here's how: purchase an item that's on sale with your credit card. Then, when your credit card bill arrives, pay the item off in full. That's it! You get to enjoy your new item for a month before you have to pay for it. If you can stick to this, your credit will have nowhere to go but up. By applying the above tips, your credit will be given a boost at a time when you need it the most - in the first 3 or 4 months after a bankruptcy discharge. You've been given a second chance. Don't give up - you can do it! Title: Living On The Edge: Nearly Half Of U.S. Adults Lack Adequate Savings Word Count: 306 Summary:
Fabeo Careoal Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Fabeo Careoal Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Fabeo Careoal Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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