and credit card companies lure you into opening new accounts by offering favorable interest rates and purchase discounts. It's easy for credit to get out of hand by taking advantage of every credit offer that comes your way. 8. Consolidate Your Accounts If you have several credit card accounts with outstanding balances, try to consolidate them into one. Be careful and check the balance transfer interest rates and one-time fees. Also, make a list of all your open Money Markets, Savings, CDs, IRAs, Mutual Funds, and other accounts to see if any consolidation can be done. Keeping your money in fewer places eliminates all of the guesswork involved and reduces errors. 9. Establish Automatic Savings Create a link from your checking account into a savings account that will not be touched. This can usually be done through the banks and automatic amounts will be transferred over each month. Most people will not put money into a savings account on a regular basis. They may wait until a large tax refund check arrives or some other event to actually deposit money into savings, retirement or other accounts. If you establish an automatic savings deposit every month, your accounts will begin accumulating money faster than you think. 10. Clean up Your Files Make sure your paid bills are organized in a filing cabinet. Keep individual files for paid bills. Go through your files at the end of each year and throw out bills and receipts no longer needed for auditing purposes. Contact your local IRS office to see how long records need to be kept for audits. Usually federal tax return audits can be done three years back but cancelled checks may need to be kept for seven. Consult the Internet for auditing and records-keeping procedures for your state or region. (c) 2005 DebtGuru.com(r). This article may be freely distributed as long as the signature file and active link are included. Michael G. Peterson is the Vice President of American Credit Foundation, an IRS 501 (c)(3) non-profit consumer credit counseling organization that has assisted thousands of individuals and families with their financial situations through seminars, education, counseling services, and, debt management plans. For more information, and free consumer resources visit http://www.debtguru.com. Title: 10 Keys That Every Home Based Business Owner Should Implement For Success Word Count: 1330 Summary: You finally made the decision that you want to quit your hum-ho
Nayla Guimaraes Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Nayla Guimaraes Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Nayla Guimaraes Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Nayla Guimaraes Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Nayla Guimaraes Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Nayla Guimaraes Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Nayla Guimaraes Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Nayla Guimaraes Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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