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But regardless of the cause, ridding yourself of that balance should be your top financial priority. So give yourself a boost of instant gratification right from the start, says Mary Ann Campbell, a certified financial planner in Little Rock, Arkansas.

“You need an action plan to help you work at reducing and eventually eliminating what you owe,” says Gail Cunningham, a spokesperson for the National Foundation for Credit Counseling, a nonprofit organization. Ask yourself: What short-term financial goal will make me feel as though I’m making meaningful progress on debt reduction?

-- If you have no assets and have protected funds, you are considered "judgment proof" ...

(See Crisis)When it makes sense to charge kids' school, day care costs -- If a fee is assessing for using plastic, it's often better to find another way to pay ...

(Yes, do this even if you need to pay only the minimum on your other cards in the meantime.) If your answer is “Boosting my credit score,” then tackle the card with the highest utilization rate (that’s your balance divided by the card’s limit).

For the animated series based on this film, see Clerks: The Animated Series.

For office workers for private companies, see Clerk. Clerks is a 1994 American independent black comedy film written, directed, and co-produced by Kevin Smith.

(See Kids)The direct route to a Southwest companion pass -- The Southwest airline companion pass allows you to bring along a companion for free for 1 to 2 calendar years, but the 110,000 points needed can be daunting.

We show you how you can get there faster without spending a lot of money ... (See Delta Sky Miles)Q&A: Can post-bankruptcy deed in lieu be reported to credit bureaus? podcast: Uncovering cryptocurrencies -- If you want to get into the cryptocurrency game, your credit card can help.




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