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When money is tight and times are tough, it can seem nearly impossible to start saving money. While taking out a short term or payday loan is sometimes merited, we know it is a very bad idea to take out multiple loans, or worse, to keep “rolling over” your loan. One way to break this cycle, and to build an emergency cash fund, is to start saving money. Believe it or not, you can save money when times are tough. All it takes is little steps. Remember that you …

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College students are busy and many do not have time for jobs; however, college students are poor and they probably need as much money as they can get. If you don’t have time for a job and you find yourself struggling to make ends meet, there are still things you can do for some extra cash. Having a steady job with a set amount of hours a week is a really hard thing to keep up with when you have a full schedule of classes to worry about. If you …

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The idea of a no doc loan is very appealing. You can walk into the loan office, fill out the necessary paperwork, and walk right back out in much less time than you normally could if you opted for a loan requiring documents. Why is it so easy? Because there is much less paperwork involved. No doc loans certainly have their advantages – particularly if you are self–employed and have a hard time proving your income. Even so, taking out a loan like this isn’t always the right answer because …

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If you’ve ever been in a position where you were unable to make your loan payments on time, you might have considered paying off loans with other loans. This idea is really tempting for a lot of reasons, and creditors generally make it easy enough to do. There are a few different ways this can work, and depending on how you go about it, it may or may not be the right choice to make. Sometimes you’re better off leaving things as is, while other times it could make a …

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If you are on the verge of losing your home, you may have considered asking your mortgage lender about doing a loan modification. In the event that your loan modification goes through, the pressure will be off because you should have not only a lower payment, but also a lower interest rate. Unfortunately, home mortgage lenders do not always have your best interests at heart as they guide you through the modification process. If it would be to their benefit for you to lose your home, your modification might not …

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“I need 3000 dollars right now!” What would you do if there was a $3,000 dollar bill that was weighing on your shoulders and you needed to come up with $3,000 cash quickly? There are times in our lives when most people experience this and when that time comes, you just can’t sit there and hope that a 3,000 dollar check would fall from the sky. Coming up with an emergency source of cash, especially $3,000, is never the easiest thing in the world.

First things first, the only way …

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