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Debt can seem like a scary thing. Many people have dug themselves into holes and cannot manage to get out. But while debt may seem bad, if used properly it can be useful and not dangerous. Short term loans can help you cover emergency expenses when you don’t have enough cash. They can also help you when cash flow is tight. But if you get to the point where you can no longer afford to make your repayments, seek help from a debt councilor or with your creditors. They can assist you with a payment plan.

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