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Simple Tips you can use to Start Reducing your Debt Load today

It’s no secret that discussing debt is an uncomfortable topic for many people. It conjures a litany of emotions around having lost control and, yet, it is a critical consideration in maintaining stable house-hold finances. Indeed, the ‘debt-to-income’ ratio is a fundamental factor that creditors look at when lending money and it is a critical snap-shot of your financial health. The ratio compares your gross monthly income to your overall debt. The higher the ratio, the more unstable your finances are and the greater the risk you represent to creditors. For most of us, debt accumulates far too easily for […]