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Consolidation works best as part of a larger plan to become debt-free; it shouldn’t just be a way to buy some breathing room.

If you are consolidating debt just to get a lower interest rate without really knowing how you’re going to pay the debt off, then you are simply moving the problem around instead of facing it.

For starters, the industry has consolidated a lot over the last few years.

Sage Intelligence Reporting pulls real-time data from Sage Accounting, Payroll or Business Management Solutions products and delivers it in Excel templates which you can easily view and/or customize.

Others succeed because debt consolidation is part of a bigger plan to gain control over their finances.

So the first step in debt consolidation is simply to consider whether it will actually work for you.

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Identify recurring, formulated or prorated allowances/deductions with different colour codes. Employees listed by employees’ name or ID with search function Payroll Data may be entered by multi-users simultaneously Payroll Features TIMES PAY is powerful and flexible, and gives you complete control of all your company’s information on your PC.