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Indian army says new exchange of gunfire with Pakistan
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Epstein accuser Virginia Giuffre takes own life in Australia: family
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Hundreds of buildings damaged, dozens injured in 6.3 Ecuador quake
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India and Pakistan's Kashmir fallout hits economy too
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Francis's funeral to be grand farewell to 'pope of the poor'
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Pogacar faces defiant Evenepoel at Liege-Bastogne-Liege
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Chelsea eye great escape against Barcelona in Women's Champions League
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Iran, US to hold new round of high-level nuclear talks
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'Energy and effort' pay off for Reds as Blues' woes continue
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Albatross and closing birdie lift China's Liu to LPGA Chevron lead
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On the horizon? Wave of momentum for high seas treaty
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Developing countries should fast-track US trade deals: World Bank president
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Grizzlies' Morant 'doubtful' for must-win game 4 v Thunder
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Trump in Rome for pope funeral in first foreign trip of new term
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Trump says Russia-Ukraine deal 'very close' after new Kremlin talks
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US rookies lead PGA pairs event with McIlroy and Lowry in hunt
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Trump tariff promises get a reality check
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Warriors coach Kerr 'relatively optimistic' injured Butler will play game 3
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Postecoglou hopes 'Stonecutter's Credo' can inspire Spurs
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PSG lose unbeaten Ligue 1 record ahead of Arsenal showdown
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Venezuela accuses El Salvador president of 'human trafficking'
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Own goal takes Sundowns to African final against Pyramids
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Scores of buildings damaged, 20 injured in Ecuador quake
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US stocks extend rally as market eyes busy calendar next week
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Pope's death triggers surge of disinformation he fought against
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Rovanpera takes control of Rally Islas Canarias
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Zelensky insists Crimea is Ukrainian as US envoy meets Putin
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Patel and Mendis help Sunrisers beat Kings in Dhoni's 400th T20
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Copa del Rey ref statements 'unacceptable': Real Madrid after boycotting final build-up
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Insurance CEO's accused killer pleads not guilty to federal murder charges
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FBI arrests Wisconsin judge for shielding undocumented migrant
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Brazil ex-president Collor de Mello jailed for corruption
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Zelensky insists Crimea 'belongs' to Ukraine as US envoy meets Putin
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Real Madrid boycott Copa del Rey build-up over referee complaints
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Trinidad and Tobago votes for parliament, PM, with opposition in lead
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IMF chief hails 'constructive' Spring Meetings held under tariff uncertainty
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Iran FM Araghchi in Oman ahead of nuclear talks with US
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Dozens of buildings destroyed, 20 injured in Ecuador quake
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Young Barca must 'enjoy' Real Madrid Copa final fight: Flick
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Pakistan and India border closure separates families
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Brazil's Bolsonaro 'stable' after post-surgery setback
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Catholics in secular Cuba hail Francis as 'bridge'
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US envoy Witkoff, Putin discuss 'possibility' of direct Russia-Ukraine talks
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Community seeks answers after French school knife killing
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German prosecutors seek jail terms in VW 'dieselgate' trial
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Sabalenka makes winning start at Madrid Open
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EU, US should de-escalate and negotiate trade deal: IMF Europe director
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Russia accuses Ukraine of killing general in car bombing
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Emery wants FA Cup glory and Champions League berth for Villa
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Buildings destroyed, one injured in Ecuador quake

Debt Consolidation Loans: Simplify Your Finances and Regain Control
Being in debt can create feelings of anxiety and dread about managing your personal finances. But when things feel scary and out of control, it's important to focus on what you can do. Debt, especially high-interest credit card debt, doesn't need to rule your life. In this article, we'll explore how debt consolidation loans can help simplify financial management to give you back control over your financial destiny.
What is a debt consolidation loan and how can it help?
A debt consolidation loan is a type of personal loan intended to help you shift multiple high-interest debts into a single loan with a more manageable monthly payment. Since personal loan rates tend to be lower than credit card interest rates, you may save hundreds of dollars in interest over the life of the loan, too.
Debt consolidation loans may help borrowers by:
Shifting debt from a variable interest rate to a fixed rate
Lowering monthly payments through lower interest or a longer repayment term
Streamlining debt management by consolidating multiple debts into a single monthly payment
Tips to take control of your financial future
If you're committed to getting out of debt, these steps may help.
1. Explore debt consolidation
It might be the right time to explore debt consolidation loans if you're ready to combine your debts and are committed to paying them off and changing your financial habits. Look for reputable lenders with a history of great customer service, then consider pre-qualifying for a loan offer.
Pre-qualification is a process that can let you know the loan amount and interest rate you might qualify for without impacting your credit score. Since pre-qualification uses a soft credit check, unlike the hard credit check that happens when you apply for a loan, you may be able to explore loans with multiple banks to help you choose the best option.
2. Instill new financial habits.
If you regularly overspend on impulse purchases, a few good financial habits can help curb spending, including:
Delete credit card numbers from your phone and computer browser. You might be less likely to make an impulse purchase if you need to track down your physical credit card. Consider removing the card from any sites that offer a one-click order to ensure there's at least one check in place before you make a purchase.
Limit time on social media. Social media platforms like Instagram are a haven for people trying to influence you to buy something you likely don't need. Consider curating your feed to only friends and family, choosing not to show targeted advertising, and unfollowing accounts that encourage spending.
Develop a shopping budget. Quitting anything cold turkey is challenging, so be honest with yourself about how much you can realistically cut back. If you can afford to do so, allocate $50 or $100 monthly toward guilt-free spending. If it's in your budget and earmarked for a purpose, you'll still be able to scratch the spending itch without having it put you further into debt.
3. Consider working with a financial professional.
A financial advisor or financial planner can walk through your current financials as well as your habits and feelings about money. They may be able to help you create a budget, think about short- and long-term financial goals, and set up automated systems for easier money management. As you search for the right professional, ask friends and family for recommendations, and be sure the professional is a fiduciary, which means they are obligated to act in your financial best interests and not their own.
The bottom line
Getting out of debt is a process, but it's one that's made significantly easier with the support of professionals and loved ones who want the best for you. Financial tools like debt consolidation loans are worth considering. Still, over the long term, it pays to develop good financial habits that can help you avoid getting into debt again in the future.
CONTACT:
Sonakshi Murze
Manager
[email protected]
SOURCE: iQuanti
P.Silva--AMWN