Write an article based on this "Submit proof of your identity. Provide confirmation of your living address. Include verification of your income. Submit information about any other current debt. Create security questions. Specify the amount you want to borrow. Understand your debt-to-income ratio."
article: You will need to provide your Social Security number. This allows lenders to verify your identity and to gain access to your credit history. Lenders will also need to see your passport or your driver's license or state ID (if you don't have a driver's license). To verify your address, you will need to provide copies of recent utility bills, credit card bills, mortgage documents or a copy of your lease. The documents need to have your name on them. Typically, lenders ask that these documents be less than 90 days old. Lenders may also ask for your previous addresses. Copies of your pay stubs for the past 30 days will likely be required. Lenders tally your total salary or hourly wages to determine your monthly income. They want to be sure that you have enough income to make the monthly payments. They may also request certain tax records, such as your W-2 forms for the past two years. Other debt obligations may include student loans, car loans or credit card bills. This is another piece of information that helps the lender evaluate whether you will be able to make monthly payments on the loan. If your other debt obligations are too high, this may weaken your chances of getting the loan. For security reasons the lender might ask you a question to which only you would know the answer. For example, you may have to provide your mother's maiden name or the name of a favorite pet. These security questions help identify you when you contact the bank to discuss information about your loan. They help to keep your financial information private. Tell the lender how much you need to borrow. The lender will want to know specifically how you will spend the money. Also, you will need to state how long you need to pay the money back. Plan to borrow only the exact amount you need and to pay it back as quickly as possible. This way you avoid excess interest payments. Your debt-to-income ratio affects your credit score. This looks at the amount of debt you have in relation to your total gross income. When deciding on a loan amount, be sure to borrow only what you need in order to keep you debt-to-income ratio as low as possible. Aim for a debt-to-income ratio of less than 36 percent. For example, if you earn $6,000 per month, you want to keep your total debt payments to less than 36 percent of this amount, or $2,160 ($6,000 x .36 = $2,160). Plan to borrow an amount that keeps your total monthly debt payments close to this amount.

Write an article based on this "Enter the data into your spreadsheet. Click a cell next to the one you want to round. Type "ROUND" into the "fx" field. Type an open parenthesis after "ROUND. Click the cell that you want to round. Type a comma followed by the number of digits to round to. Type a closed parenthesis to finish the formula. Press Enter or Return."
article: This allows you to enter a formula into the cell. The field is at the top of the spreadsheet. Type an equal sign followed by "ROUND" like this: =ROUND. " The content of the "fx" box should now look like this: =ROUND(. This inserts the cell's location (e.g., A1) into the formula. If you clicked A1, the "fx" box should now look like this: =ROUND(A1. For example, if you wanted to round the value of A1 to 2 decimal places, your formula would so far look like this: =ROUND(A1,2. Use 0 as the decimal place to round to the nearest whole number. Use a negative number to round by multiples of 10. For example, =ROUND(A1,-1will round the number to the next multiple of 10. The final formula should look like this (using the example of rounding A1 2 decimal places: =ROUND(A1,2). This runs the ROUND formula and displays the rounded value in the selected cell. You can replace ROUND with ROUNDUP or ROUNDDOWN if you know you want to round up or round down to a certain number of decimal points. Similarly, the formula MROUND will round to the nearest multiple of any specified number.

Write an article based on this "Make more than the minimum payment. Pay off debt with the highest interest rate first. Talk to your credit card companies. Never close cards with existing balances. Move your debts around. See what you can liquidate to lower your debt."
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Credit card companies love it when you pay just enough to get by every month. At that rate, you're mostly paying off interest and barely scratching the surface of your actual debt. Look at your most recent credit card statements to get a ballpark figure on what your monthly interest is, then budget as much of a payment as you can over that amount to actually see a difference in your statement. If you want to know how much above the minimum you should pay, remember what interest is. Interest is the price you pay for money, and creditors always want you to pay interest before anything else. So making the minimum payment is usually only enough to keep your interest from compounding your debt into the stratosphereto keep it where it is, in other words. You want to try to pay enough each month to get beyond the interest and into the principal. It goes almost without saying, but it's something that a lot of people forget. If one credit line is charging you 11% Annual Percentage Rate, or APR (interest over the course of a year) while another credit line is charging you 9% APR, focus all your attention on the debt that falls under 11% interest rate. Pay it off before even touching the other debt. Sure, the other one will accumulate interest in the meantime, but since you're paying interest either way, you might as well do it at the lower percentage. If this process seems too hard, try snowballing your debt. If your interest rates are all roughly the same or you're simply overwhelmed by the sheer number of payments you have to make each month, make the minimum payments on all but the lowest balancewhich you should attack aggressively so that it disappears quickly. Once it's gone, add the payments you would have paid on the lowest debt to the minimum payment on your next-lowest debt until it, too, disappears. Repeat until all debts are cleared. The sense of satisfaction you will feel in making fewer and fewer payments each month will make the process more bearable and help you achieve your goal. Explain your financial situation and ask if there is anything they can do to help. Many will lower your interest rate for a period of time and/or waive current late fee balances to give you an opportunity to catch up. If you've been a customer of theirs for a long time, mention that. While some credit card companies don't care about customer loyalty, more than a few do. Those that do sometimes go to great lengths to keep their customer base happy and loyal, whatever the circumstances. If at first you don't succeed, ask someone more important. If you can't make any headway with the first persons you speak with, ask to speak to a supervisor. If that doesn't work, ask to speak to the retention department. If that doesn't work, call back in a week or two. Come prepared. Be sure to compile a list of other offers you recieve. Know your interest rate terms. Check out the rates that competitors are offering. It might seem like an easy way to get a handle on your debt, but it'll do horrors to your credit score, and you'll still be on the hook for the debt. All this will do is send your credit utilization (your available limit v. your current debt) down, further driving down your credit score. Learn more here on how to increase your credit score. If you feel like you must close an account, you need to pay it off extremely quickly, and you need to make sure that the company records that it was closed at your request and not theirs. Make this request in writing. Let's be clear, transferring money from a credit card with 12% interest to a card with 0% interest may damage your short-term credit. However, barely chipping away at your debt because your interest is too high will damage your finances in the long-term. Shop around for long-term, low- or no-percent interest rate transfer opportunities, or look into transferring some of your debt onto a low-interest card that you already have. Keep the following in mind: How long the low interest rate will last. Depending on your total debt and how quickly you think you can pay it off, 0% interest for six months may not be as good a deal as 2% for 18 months. The amount of the transfer fee. When transferring, you usually have to pay a certain percentage of your debt up-front. Make sure that a) you can afford this transfer fee and b) the fee is less than you would have paid in interest during the introductory period. Usually, transferring to a low-interest card will involve less fees than transferring to a no-interest card. Weigh how much time you expect it will take to make a dent in your debt when choosing to transfer. What the interest rate will be after the introductory period ends. Will it jump up to 18% after 12 months? If it does, will you have paid off enough debt by that time to make that jump worth your while? How long you will be required to keep your balance with the company. Since credit-card hopping has become a popular way to avoid paying interest, some companies have begun stipulating that if you transfer your debt to another card before a certain amount of time has passed, the normal interest rate will be applied to all your previous balances retroactively, leaving you with a huge new debt. Make sure to read all the fine print! Credit card companies are nothing if not resourceful in finding ways to take your money. Look for all the catches above and more, such as transfer fees and ballooning interest rates, before making any decisions. No one likes doing it, but sometimes it needs to be done. If you just bought a car, a memory foam mattress, or a new jacuzzi, think seriously about whether you really need these items, especially if you're paying for them on installment. Liquidating your big-ticket items now will mean less financial hardship for you later on. Always try to find the sales venue that will get you the highest resale value. Think eBay and jewelers, not pawn shops. Get creative and do the math. For example, if you have a car payment, if you can sell your car (even for less than the note is worth) for enough to pay off a card balance or three with higher interest rates and perhaps pay off the interest on the car note, then it makes financial sense to do that.