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The Master Policy provides coverage for Stolen Funds Reimbursement and Personal Expense Compensation, each with limits of up to $25,000 for Standard members, up to $100,000 for Advantage members and up to $1 million for Ultimate Plus members.

More often, though, we move from stage to stage, engaging then disengaging, ever hopeful that we can make it work.

The turning point came when she couldn’t pursue her passions in life because she had to get a jobs she didn’t like just to pay the bills. “I realized debt was holding me back and influencing my decisions,” says Styles,31, creator of Young Now that you’re paying with cash or debit card, when the money’s gone, the spending has to stop,” says Gail Cunningham, spokesperson for the National Foundation of Credit Counseling (NFCC). “Through the budgeting process, you may discover that there are a few expenses you could suspend, reduce or eliminate entirely, allowing you to put more money toward paying down your credit card accounts. “Cutting unnecessary spending, increasing your income and really paying attention to every dollar that goes through your fingertips will make sure every penny is available to pay down your debts.” 4. According to Myers, you should ground yourself in reality. Be honest and ask to negotiate lower interest rates and payments. Styles used a credit counseling service to help her get out of debt. “Regardless of what anyone says, a person needs to be honest with themselves and select the plan that they know will keep them motivated all the way to the finish line.” Styles says she is still in the process of building a positive credit history. And I only have cards that offer cash back rewards.

“By living within my means and managing my credit obligations, I was able to pay off over $22,000 of credit card debt and $10,000 in car loan debt in just three years.” RELATED: Mo' Money? Order your free credit report from and determine how to attack debt. Her final payment of old debts was paid off in October 2014. “Getting out of debt is more than just making the payments, you have to change your mindset about how you spend and dig down to the habits that contribute to your mountain of debt,” says Styles. It is nice to get paid to use a credit card instead of the other way around,” says Styles.

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