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Your Year-End Financial Review: Key Areas to Focus On for Financial Success

As the year comes to a close, it’s time to reflect on your financial journey and set yourself up for success in the year ahead. From assessing your savings goals to tackling debt, our comprehensive guide helps you evaluate your financial health and prepare for a prosperous new year. Discover key areas to focus on, actionable tips, and tools to streamline your review process.

Why Too Many Retirees Are Struggling with Mortgage and Credit Card Debt—And How to Fix It

Despite years of investing, many retirees still need to be burdened by mortgage and credit card debt, revealing a disconnect from traditional financial advice. With 26% of retirees struggling with debt and inflation squeezing budgets, addressing debt before retiring is crucial to ensure a secure financial future.

What Happens to Your Unredeemed Rewards When You Close a Credit Card?

Have you ever wondered what happens to your hard-earned credit card rewards when you close the account? The fate of your points, miles, or cash-back depends on your card type. Dive into the details to discover how to safeguard your rewards and prevent them from slipping away when you bid farewell your credit card.

Unveiling the Magic: How Credit Cards Shape Your Finances

Unlock the secrets of credit cards – understand how they differ from debit cards, the obligations they carry, and why your financial literacy is your best defense. Dive into the world of credit, where knowledge is power, and discover how these plastic wonders work, from the physical card structure to the obligations and potential pitfalls, ensuring you wield this financial tool wisely and maximize its benefits.

Unveiling the Burden: America's Record-Breaking Credit Card Debt and Your Path to Liberation

America's credit card debt has soared to a staggering $930 billion, but you can tackle yours using a balance transfer—save on interest and pay down principal faster! Dive into innovative strategies to regain control, from leveraging balance transfer cards to considering personal loans or borrowing from trusted friends and family.

Unveiling America’s Debt Epidemic: The Shocking Truth Behind the $6,500 Average Credit Card Debt

The average credit card debt in the US has surged past $6,500, with New Jersey leading at $8,155 per card, highlighting a national trend of financial strain. Rising costs, including inflation and soaring rents, are pushing many to rely on credit cards, according to a recent report from Scholaroo and insights from financial experts.

Unlocking the Credit Mystery: Does a Zero Balance on Credit Cards Help or Hurt Your Score?

Did you know that having a zero balance on your credit cards might not be as beneficial as it seems? Surprisingly, a zero balance can temporarily boost your credit score, but it may pose risks to your credit health in the long run. With 40% of Americans unaware of their credit scores, understanding the impact of a zero balance on credit is crucial for financial well-being.

Unlocking the Credit Conundrum: Understanding the Surge in Debt and Strategies for Financial Freedom

Average credit card debt has hit a record high of $6,360 per consumer, with delinquency rates surging over 50% in 2023. Yet, there are strategies like 0% balance transfer cards to help manage the burden, says Bankrate's senior industry analyst Ted Rossman. Despite the challenges, there's a silver lining: 76% of those who requested a lower interest rate on their credit card in the past year were successful, according to a LendingTree report.

IMPORTANT DISCLAIMERS: Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. *Clients who are able to stay with the program and get all their debt settled realize approximate savings of 46% before fees, or 25% including our fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, we may be available to recommend a local tax professional and/or bankruptcy attorney. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating. The company and its affiliates are not lenders, creditors, or debt collectors. This is not a loan. Our representatives have helped thousands of consumers throughout their careers. Testimonials are actual customer experiences and individual opinions, and may not be illustrative of all experiences with the company or its affiliates.

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New Year, New Financial Plan: Setting the Right Goals for 2025