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In the denial phase, people deny for months or even years that there is a problem. They think everything is under control because they can make their minimum payments. A credit card company may even increase your credit limit, which some see as an invitation to spend more. The problemContinue Reading

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Rule number one to own a business; never mix your company funds with personal ones. By mixing the two together, you lose information about the company’s financial income and cash flow and you exaggerate personal wealth. Calculate your expenses and deduct the income you earn. Identify the resources you needContinue Reading