While achieving your financial goals won’t always correspond to precise dates on a calendar, it’s common to use the beginning of each new year as an opportunity to plan major actions relating to your finances and your budget. One big financial step that many people will be taking in 2012 is borrowing money. You might be considering borrowing money in 2012 for any number of reasons; perhaps to purchase a new home (or refinance your mortgage), to buy a new car, for significant home improvement expenses or perhaps to finance or expand your businesses. Below are some borrowing advice strategies you...

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