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first, you have to sort out which debt has the highest interest rate and make that a priority, just do it via interest rate, look out for banks too that offers re financing, so that if you have plastics that has a balloon interest you get back to zero for abou 3 to 6 months. |
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track your family's income and expenses. gather all house bills, paycheck stubs, bank bills and everything that can give you information about the movement of your money. by doing so, you'll have the chance to cut out unnecessary expenses. |