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Consider a non profit. They avoid delinquency and prevent years of credit damage. Search NFCC to find a counselor. I’m using Money Management International and haven’t needed to call anyone. I began with 38k in November. It’s been smooth so far.

Inspiredbudget is an Instagram account with a free Google Sheets debt tracker in her bio. Enter your debt details and it calculates your estimated payoff date. It's motivating and provides a clear visual.

If your home is owner occupied, convert it to an investment. Then, borrow up to 80% of its value. Use this money to buy more property, a business, or shares with a margin loan.

I made this decision before. Wait until settlement. I was rejected during, but got approved after.

People often ask for investing advice without stating their goals. You cannot build an investment strategy without clear goals. Begin by writing down your goals. List your short term, medium term, and long term goals. Estimate how much money you will need for each. Next, use a reliable source...