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A successful repayment plan requires you to make regular, timely payments,
and could take 48 months or longer to complete. credit card calculator
Ask the credit counseling service for an estimate of the time it will take you
to complete the plan. credit card calculator Some credit counseling
services charge little or nothing for managing the plan; credit card calculator
others charge a monthly fee that could add up to a significant charge over
time. credit card calculator Some credit counseling services are funded,
in part, by contributions from creditors. credit card calculator
Developing a Budget credit card calculator
The first step toward taking control of your financial situation is to do a
realistic assessment credit card calculator of how much money comes in
and how much money you spend. credit card calculator Start by listing
your income from all sources. credit card calculator Then, list your
"fixed" expenses-those that are the same each month-such as your mortgage
payments or your rent, car payments, or insurance premiums. credit card calculator
Next, list the expenses that vary, such as entertainment, recreation, or
clothing. credit card calculator Writing down all your expenses-even
those that seem insignificant-is a helpful way to track your spending patterns,
identify the expenses that are necessary, and prioritize the rest. credit card calculator
The goal is to make sure you can make ends meet on the basics: housing,
food, health care, insurance, and education.
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