If you want to stay out of debt, or get out of debt, there are some numbers you should be keeping a close eye on.
Your credit score – at the very least, check your credit report once a year to make sure there is no inaccurate information on there, but if you can afford it, it’s worth paying for monthly credit checks. That way if there is ever an inaccurate ding to your report you can check it quickly.
Your credit card bills – Read them from beginning to end carefully because credit card companies are dong all kinds of sneaky things these days. They may lower your credit limit, which makes it look as if you’ve charged to the max even though it’s not your fault; they may raise your interest rates drastically if you pay late on ANY bill, not just theres.
Your cell phone bill – there are an astounding amount of errors on them. You also may be paying for things that you don’t need, like a texting package or internet service that you never use.
Medical bills are also frequently riddled with errors, and guess what, amazingly, they are almost always in the doctor’s or hospital’s favor. Look up Medical Billing Advocates on Google if you think that your medical bill is signficantly off; they often will work on a contingency basis.
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