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If you are dealing with credit and debt, you aren’t alone. You have a great opportunity to assess your financial situation and make a plan to move forward. The average American household has a balance of about $6,600 in credit card debt, and that’s not taking into account home, auto, and student loans. Paying off your debt is successful with a little planning. In fact, a plan can go a long way toward achieving your financial goals. Even in a time of financial uncertainty, there are ways to address and manage credit so it works for you.

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Are you ready for a powerful New Year’s resolution?

Eliminating debt, learning new spending habits, or building savings are choices that can change your life. They can affect your entire wellbeing – from stress levels, to physical and mental health. The new year is a great time to commit to your financial health.

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Getting your financial goals in shape requires discipline and determination. Credit card debt, economic challenges, and a competitive labor market are just a few factors that can challenge how you think about your particular financial situation. The question is, how can you improve your financial fitness? You can start your mindful monetary practices with the steps below so you can tone up your financial well-being.

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After much time and research, you've done it - you've found your dream home. Now that your offer has been accepted and your lender has already pre-approved you, it is time for the home appraisal. But how much is the home worth? That’s the question at the heart of an appraisal. Home appraisals find out if the asking price is different than the actual value of the property. The value of the property will determine what the lender will loan you.

An appraisal is the expert opinion that defines the value of a property. But why is the lender so interested in the home appraisal, you may ask? A home appraisal protects the lender by using the home as collateral for the loan, making sure that their investment is indeed, worth the amount that they loan to a borrower. It also helps you  not only to understand what the state of the home is, but it protects you from paying too much for a home.

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