This sounds obvious, but many Americans fail to heed this advice: - TopicsExpress

This sounds obvious, but many Americans fail to heed this advice: Dont tap your home equity to refinance debt before youve fixed the free-spending ways that got you into financial trouble to begin with. If those smaller fixes dont free up enough cash to start paying down the debt, the next places to look are at your big-ticket expenses: your home, your cars and your student loans, personal finance columnist Liz Weston writes.

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