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 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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