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Also, the dates shown for the steps of each action are estimated and are not commitments to act on or by the date shown.For this edition of the USDA regulatory agenda, the most important significant regulatory actions are included in part II of this issue of the Federal Register.Here are four keys to making it work.“In order for consolidation to work well, there has to be a clear plan of attack,” Isaac says.A basic budget allocates money for debt payments, an emergency fund and contributions to retirement savings, but that isn’t enough when consolidating, says Lara Lamb, a certified financial planner at California firm Abacus Wealth Partners.

If you need help getting out of debt, you are not alone.Consolidation works best for high-interest-rate debts such as credit cards.Households that carried credit card debt last year had balances averaging ,748, according to an annual study by Nerd Wallet, a personal finance website.The result is a single interest rate and single monthly payment.Generally, you’ll end up paying less each month than you do now, paying all the bills separately.

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