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When your credit card balance keeps growing and payments feel out of reach, you might wonder if there’s a way to pay less than you owe and move on. That’s where credit card settlement comes in. In simple terms, this is when you and your card company agree that you’ll pay a lump sum, which…
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Financial independence means having enough money and assets so you can cover living expenses without needing to work a job you dislike or rely on someone else. In short, it’s about freedom of choice and control over your time. This idea has become a huge focus for not just finance geeks, but regular people who…
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Picking the right plan for your debt matters because everyone’s situation is different. What works for one person might not work for another. As Kat (@phoandfinance) puts it, “There’s no one-size-fits-all when it” comes to getting out of debt. There are several ways to tackle debt. The Debt Snowball method means you pay off your…