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Books on how to handle your money frequently make it to the top 10 of the New York Times Bestseller list and these can be of varying quality. However, for those without the time or the inclination to study the issue in depth they often provide just the sort of common sense advice that they need. There are many of these on the market for you to choose from as you begin your financial education. However, much of this advice is common sense and many people understand it intuitively without ever having to read a book on the topic. [link widoczny dla zalogowanych] If you are thinking that you may have to default on a payday loan, think again. The loan companies collect a large amount of data from you about things like your employer, and your address. They will harass you continually until you get the loan paid off. It is better to borrow from family, sell things, or do whatever else it takes to just pay the loan off, and move on. Interest rates are at historical lows, refinancing your mortgage at a lower interest rate can not only put cash back in your pocket but make your financial future more secure.

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