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• 12:23, 28 March 2022 MadelineNvc talk contribs created page Helpful Strategies On When You Ought To File For Individual Bankruptcy... Tip Number 35 Of 786 (Created page with "Make timely payments on utility bills. Your credit rating may go down if you pay late. Most utility companies will even charge late fees, which cost you that much more money. Paying your bills in a timely manner is the best way to use your money wisely and avoid costly fees and complications.<br><br>You should make sure that you spend less than what you earn. No matter how often or how much you get paid, if you spend more than you earn, you will never get ahead. Budget y...")