When going shopping, plan what you NEED first, and then wait for it to go on sale. If the item on sale is not in your plan, you don't need it. And not buying something you don't need is like getting 100% discount.

I got a 90-percent home equity loan, which was exactly what I needed. The payments are low enough that I have no problem making the payments. If I ever need another loan, I know where to turn!
David G., Calgary, Alberta

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