Don’t be afraid if you are in debt, it is quite normal in such a society, in fact, maybe it is a progress of our society, it is a new concept of consumption. So just treat it as a normal thing, don’t think it is your burden, you just pay down your debt monthly or yearly, don’t let it hurt your happiness.
But we all know some of us don’t have such optimistic thinking, you may be in great sorrow because of your heavy debt. Now I want to suggest you learning to be free from it, or your life will be in big mess. Let’s do a BillsIQ test first to measure your financial health condition. You can do such a test by visiting Bills.com. Here is my test result:

This graph shows my financial health condition is quite good. What about yours, take a test now and you will know what you should pay attention on.
The good part of this test is not only do they give you results, but also they will give you useful advice according to your test results. Here are some advices they give me:
1. That’s great- payment history is the largest variable in calculating your credit score. With your good history, you should be in the driver’s seat when it comes to getting good rates and loans terms. Be sure to shop around and get the best deals.
2. Credit cards are very confusing contracts, which give all of the power and rights to your credit issuer. Make sure you know what you are paying, and that you are paying off the balances on the high interest accounts first Paying high interest is just like flushing money down the drain.
Now it’s time to take a test by yourself and accept advice from them, so you will know what to do next, if you can change something according to your test result, I’m sure your life will be better.
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Dingchao Han




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