Re consolidating


End the vicious cycle of credit card debt, rather than transferring the balance to yet another credit card, which you might continue to charge up.Armed with new information and a game plan, the next time the subject of money—specifically credit card debt—comes up, you’ll have plenty to talk about.Need another reason to consolidate and refi credit card debt? Here’s how a So Fi personal loan can help you pay off your credit card debt and bolster your bottom line:1.Borrow from k-0k at fixed rates that start at 5.95% APR, and variable rates that start at 4.82% (with Auto Pay).2. Easy online personal loan application and access to live customer support seven days a week.4.“We’re refining our compensation to make sure we’re paying for the work that you do and the talent that you bring to our brands.” But agencies need to give a little, too.Pritchard called on his partners to nip the transparency issue in the bud by making their contracts fully transparent, refunding any and all rebates, outlining clear and thorough audit rights and providing insight into how they buy media as agent or principal.

With fixed-rate credit cards becoming more difficult to find, and the average annual percentage rate (APR) for variable-rate credit cards just over 16% as of this writing, you could save thousands of dollars by refinancing credit card debt with a low-interest personal loan.

And if you share this article with friends who want to cut up a few of their credit cards before the holiday shopping season begins, they’ll be able to join the conversation, too.

Editor’s Note: This is an updated version of a post we originally published in June 2015.

So unless you’re expecting a windfall from a long-lost relative (who probably didn’t talk about money either), it’s up to you to come up with a game plan to manage your finances.

Committing a portion of every salary increase to paying down credit cards and personal loans is the obvious solution, but it isn’t the only option.

“We can’t return to the glory days of the past, but we can take our game up to a new, higher level of performance.” Pritchard’s Diagnosis Despite billion of investment globally, the advertising industry is facing slow growth because of too much complexity, “crap” and cost, he said.

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