If you borrow money from family as a debt consolidation loan, be sure to put the contract into writing. This protects both sides and will be convincing to the person you ask for the money, letting them know that you are serious. Be sure to figure out the interest and monthly payments you can afford before you ask.
Now that you know all of these great tips and tricks, all you have to do is put them to use. The sooner you do, the better you will feel. When your debts are paid off and your life is free again, you will never have felt so proud of yourself.
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