When your personal finances teeter on the brink, your first instinct might be to do something drastic. Freeze your credit cards in a block of ice. Vow to never eat out again. Forgo your Netflix subscription. These tactics may help, but financial experts say paying off debt requires a more comprehensive plan. One common strategy...
from NerdWallet
https://www.nerdwallet.com/blog/finance/4-keys-to-successful-debt-consolidation/
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