dollar bills and printed labels with things we could do and rolled them up. Our anniversary is on Groundhog Day.I went to Build-A-Bear and made my husband a groundhog and included inside the stuffed animal a personal message I recorded while making “Phil”. stamped 3 hearts on the frame (for our third anniversary) displayed it in the bathroom where we see it everyday 10 years later. -Fawn (yep, I just came up with this one so I’d better try it out myself ). JOIN THE 1,000,000 MEMBER CHALLENGE: If you haven’t already done it, what are you waiting for? It takes only a few seconds and, of course, is free.

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In theory, these can serve as a way to consolidate your debt onto one card, but be careful because the fine print on these offers sometimes exposes serious drawbacks.Here’s how it’s supposed to work: you initiate the balance transfer and pay a immediate transfer fee – usually between 2% and 5% of your total balance.Home Equity Loan (or HELOC) A home equity loan, or Home Equity Line of Credit (HELOC), allows you to borrow money against the value of your home.The size of these loans varies, but they can often be up to 75-80% of your home’s value.

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Consolidation can help with this problem by reducing the number of bills you get down to a single one. Check your rate using Ready For Zero's free debt consolidation tool.To understand why, consider the difference between your mortgage and your credit card.The mortgage is a “secured debt” and the credit card is “unsecured debt.” That means if you stop paying your credit card bill, the lender cannot automatically take any property (or collateral) from you as a penalty.The reason this can be helpful to people with a lot of debt is that it can solve three of the worst problems you face: 1) High interest rates Some types of debt (particularly credit cards) can have extremely high interest rates – up to 25% or more.If you’re in that kind of situation, there’s a good chance your debt will grow faster than you can pay it off.

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