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One email a day could help you save thousands
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Debt consolidation could make your financial problems worse if you don’t recognize these risks and take steps to mitigate them.
Debt consolidation can be a great way to lower your monthly payments, reduce your interest cost, and simplify the process of paying back what you owe. But, consolidation isn’t always the right choice — and it isn’t necessarily a risk-free process.
To make sure debt consolidation doesn’t make your situation worse, it’s important to understand the dangers so you can make an informed choice about whether consolidating your outstanding debt makes sense for you. Here are four major risks associated with the process that you’ll want to mitigate if you plan to take this approach.
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1. Going deeper into debt
One of the biggest risks of consolidating debt is that you’ll apply for new credit without solving spending problems that caused you to get into debt in the first place.
If you take out a personal loan or get a balance transfer card to repay existing debt, you’ll now have lots of available credit on the cards you transferred the balances from. If you turn around and start charging on those cards, they could soon have high balances again — and you’ll also owe on your consolidation loan. Continue reading “One email a day could help you save thousands”