When you have a pile of bills and no paycheck, address the essentials first. That means the roof over your head, medicine, food, heat, electricity and — for those who still must report to jobs despite a government shutdown — getting to work. What can wait? Almost everything else. Communicating with creditors is key to surviving a … Continued

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Disposing of unwanted items in our lives often means simply throwing them into the garbage or recycling bin — or, if they’re still useful, giving them away. It’s different with old credit cards and other payment cards, which should be destroyed so nobody can use them fraudulently. But how to destroy a payment card properly … Continued

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Getting your first credit card is like moving into your first apartment: It’s exciting, empowering — and, once you get used to it, pretty underwhelming. Your first time out, “you’re not going to have a credit card that is going to have a high limit,” says Paul Golden, spokesman for the National Endowment for Financial Education. … Continued

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