Tips on refinancing and consolidating debt

A lot of people tell us that they would love to pay down their debt or completely get rid of it altogether, but they aren’t quite sure of the best way to do it or where to get started.There really isn’t any one “best way” that works perfectly for everyone.If there is any chance that transit might work for you, this option alone is often 80% cheaper than owning and operating a vehicle.

Another great way to spend less is to pay with cash rather than credit.

Even if your savings aren't as great as this example, you can probably see our point.

If you want to get out of debt, leave the cards at home, use cash, and don't buy things with credit until you've paid down your debt to the level you're working towards.

Mc Donald's has found that people spend 56% more at its restaurants when they pay with credit rather than cash.

Studies have shown that people spend 100% more at vending machines or on event tickets when they use credit.

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