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You may have heard of the debt avalanche and the debt snowball methods before, but are not sure how they work and which is the best option for you.
Write down everything you spend. Time consuming? Not really. Eye opener? For sure. This allows you to check your spending and see if you're starting to stray ...
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Slow Down. Don't hurry into paying the debt no matter what the letter says. If you start payment straight away, this is considered proof that the debt is yours.
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