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When it comes to finances one of the most intelligent things to do is avoid credit card debt. Only spend the money if you actually have it. The typical ten percent interest rates on a credit card can cause charges to add up very quickly. If you find yourself already in debt, it is prudent to pay early and often overpay. Sometimes it's a good idea to take the "personal" out of "personal finance" by sharing your financial goals with others, such as close friends and family. They can offer encouragement and a boost to your determinat