Plan your spending - Before you buy something new, give the idea a 24-hour cooling-off period. If you have trouble following this trick, simply put your credit cards in a bag of water, and put it in the freezer. This way you'll have to wait 24-hours!

I was able to pay off all my bills, redo the living room and save money for a rainy day with my home equity mortgage. I have lower monthly payments too.
Jennifer S. Kingston, Ontario

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