{"id":27368,"date":"2020-11-30T19:34:07","date_gmt":"2020-11-30T19:34:07","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=27368"},"modified":"2023-08-28T06:34:39","modified_gmt":"2023-08-28T06:34:39","slug":"budgeting-for-teens","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/budgeting\/budgeting-for-teens","title":{"rendered":"Money Management Tips for Teens"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Banner Image with Heading and Text&#8221; module_class=&#8221;vertical-align&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#e7dff3&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_type=&#8221;circular&#8221; background_color_gradient_stops=&#8221;rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(91,37,175,0.44)&#8221; background_color_gradient_start_position=&#8221;15%&#8221; 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da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.16&#8243; background_enable_image=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||90px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||80px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Heading&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|600|||||||&#8221; text_font_size=&#8221;42px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||26px|||&#8221; animation_direction=&#8221;top&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Budgeting for Teens<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Tips and tricks for teenagers.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Intro Paragraph&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(91,37,175,0.15)&#8221; custom_padding=&#8221;0px||130px|||&#8221; custom_padding_tablet=&#8221;||135px||false|false&#8221; custom_padding_phone=&#8221;||102px||false|false&#8221; top_divider_style_last_edited=&#8221;off|desktop&#8221; bottom_divider_style=&#8221;ramp2&#8243; 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header_2_font_size=&#8221;30px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Money Management Tips for Teens<\/h1>\n<p>Managing money can be a challenging concept in today&#8217;s fast paced world. These tips are here to help you start your teenagers off on the right foot.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||115px|||&#8221; bottom_divider_style=&#8221;ramp2&#8243; bottom_divider_color=&#8221;#e4f8e0&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; module_id=&#8221;get-cell-phone&#8221; module_class=&#8221;custom_row&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px||14px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;vertical-align second-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;left&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;13px|||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Banking Basics<\/h3>\n<ul>\n<li>Educate yourself \u2013 money is important in all aspects of your life, now as well as later.<\/li>\n<li>Have at least 2 bank accounts \u2013 one for savings and the other for your weekly spending.<\/li>\n<li>Lower the limits on your bank cards and consider not having easy access to your savings account with your debit card. Use technology to help keep your money safe from yourself!<\/li>\n<li>Keep your passwords and PIN numbers secret \u2013 no exceptions!<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;first-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/12\/accessing-bank-account_2colm.jpg&#8221; alt=&#8221;Accessing Bank Account&#8221; title_text=&#8221;accessing-bank-account&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.22.0&#8243; max_height=&#8221;500px&#8221; max_height_tablet=&#8221;600px&#8221; max_height_phone=&#8221;&#8221; max_height_last_edited=&#8221;on|phone&#8221; custom_margin_tablet=&#8221;||0px||false|false&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; hover_enabled=&#8221;0&#8243; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; next_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e4f8e0&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_margin_tablet=&#8221;||0px||false|false&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;50px||100px||false|false&#8221; custom_padding_tablet=&#8221;35px||||false|false&#8221; custom_padding_phone=&#8221;55px||70px||false|false&#8221; bottom_divider_style=&#8221;curve2&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Budgeting Basics<\/h3>\n<ul>\n<li>Set realistic, easy to reach goals for your money. A short term goal (3 \u2013 6 months) might be to save for a new iPod. A medium term goal (1 \u2013 3+ years) may be to save towards the down payment for your first car. A longer term goal might be to save towards post-secondary education costs.<\/li>\n<li>Put a picture of your goal where you see it often \u2013 in your locker, a sticker on your debit card, on your computer desktop. It will help you when temptation strikes!<\/li>\n<li>Track your spending in a little notebook or on a slip of paper in your wallet. Change adds up whether you spend it or save it \u2013 decide what\u2019s best for you.<\/li>\n<li>Plan your spending based on when you receive your money. Always borrowing from the bank of Mom, Dad or Grandparents doesn\u2019t help you develop good habits while you have the chance!<\/li>\n<li>If you have trouble saying no to spending money when you\u2019re out with your friends, don\u2019t bring extra money along and leave your debit card at home.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||115px|||&#8221; bottom_divider_style=&#8221;ramp2&#8243; bottom_divider_color=&#8221;#e7dff3&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Planning Ahead<\/h3>\n<ul>\n<li>Pay yourself first. You might have heard this time and time again, but interest adds up. Consider these examples:\n<ul>\n<li><strong>Savings Interest:<\/strong>\u00a0You start with $0 in your savings account. Every second week you add $20. Assuming an interest rate of 3% per year, after only 10 years you\u2019d have more than $6000 saved! Add some birthday money to the account too and it\u2019ll add up even faster.<\/li>\n<li><strong>Credit Card Interest:<\/strong>\u00a0Credit cards charge you interest if you don\u2019t pay the whole bill every month by the date it is due. This means that you add about 50% to whatever you buy. For example, you buy something for $19.99. With tax, the total is $23.39. If you buy it using a credit card, and you don\u2019t pay the whole bill when it comes, it will actually cost closer to $33.00 by the time you\u2019re doing paying for it. Looking at it this way, is it still a good deal?!?<\/li>\n<\/ul>\n<\/li>\n<li>If you\u2019re tempted to spend without thinking, develop strategies to help you avoid times or situations when it\u2019s hard to say no. Plan to have your friends over rather than hang out at the mall, stay away from the stores if you\u2019re in a bad mood and not able to make good choices, or decide not to buy \u201cstuff\u201d just to fit in with certain friends.<\/li>\n<li>Have a small, part-time job if you are allowed to. Not only will it help your bank account, it will help your resume when you apply for scholarships, bursaries and jobs later on.<\/li>\n<li>Don\u2019t make long term commitments (like cell phones or tanning memberships) without thinking it through carefully \u2013 3 years can be a very, very long time to pay for something you don\u2019t really need or want.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; next_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e7dff3&#8243; custom_padding=&#8221;||150px|||&#8221; bottom_divider_style=&#8221;wave2&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Credit Reports<\/h3>\n<p>A credit report is a summary of how you pay your financial obligations. It begins when you first apply to borrow money. Lenders use it to verify personal information about you, your borrowing activity and your repayment history. It allows potential lenders to evaluate risk \u2013 based on your past behaviour, if they lend you money now, are you likely to repay that money or not.<\/p>\n<p>While a credit report is a summary based on what you have done in the past, your credit score is based on information in your credit report and is used by lenders to predict the likelihood that you will repay future debt. Your credit score can change frequently.<\/p>\n<p>There are 2 main consumer credit bureau companies in Canada, Equifax and TransUnion, and they may have different information about you. Everything pertaining to regular consumer debt, good or bad, stays on your credit report for 6 \u2013 7 years depending on which Province you live in. For more information about credit report details and ratings, consult the web sites for each of the credit bureau companies.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||5px|||&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||1px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Credit Rating<\/h3>\n<p>As young people not yet using credit, the factors that affect your credit worthiness are different than those for people who have been using credit for a number of years. This is largely due to the fact that you do not have a credit report for lenders to rely on when you first ask to borrow money.<\/p>\n<p>There are some things you can do in preparation for the first time you ask to borrow money:<\/p>\n<ul>\n<li>Have a bank account that you use regularly. Deposit your pay cheque and show that you can spend it responsibly.<\/li>\n<li>Have a second bank account for savings. Contribute regularly to this account, e.g. every time you get paid.<\/li>\n<li>If you drive, pay your parking tickets and driving fines in full and on time.<\/li>\n<li>Develop a realistic budget for your day to day spending, as well as a longer term plan, e.g. how to fund post-secondary education. This shows that you have good money management habits and are likely to honour future commitments.<\/li>\n<\/ul>\n<p>Many young people look forward to having their first credit card. The right time to apply for one is when you can afford to pay back the money you borrow with your credit card. Some things to keep in mind:<\/p>\n<ul>\n<li>The limit on your credit card is not free, extra money for you to have. When you make a purchase with your credit card, you are agreeing to pay that money back. The longer it takes to pay it back, the more it will cost you.<\/li>\n<li>Only apply for credit that you need. One credit card, with a very reasonable limit based on your income, is all you need to establish a credit rating. Pay the card off in full every month.<\/li>\n<li>You need to consent for someone to check your credit report. Monitor how often you allow inquiries on your credit report and keep inquiries to a minimum. Potential employers and landlords will want to see if you are responsible with your money, as will the people processing your student loan applications.<\/li>\n<li>Cell phones on contract, gym memberships and ICBC monthly car insurance are all forms of credit. Paying all of your bills on time is crucial for a good credit rating.<\/li>\n<li>Do not co-sign for a friend to get credit. If they don\u2019t pay, you will have to pay the bill for them.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;CTA 2 &#8211; Get started&#8221; _builder_version=&#8221;4.16&#8243; background_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/03\/credit-counselling-couple-3-scaled-purple.jpg&#8221; parallax=&#8221;on&#8221; parallax_method=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_margin_tablet=&#8221;||||false|false&#8221; custom_margin_last_edited=&#8221;off|tablet&#8221; custom_padding=&#8221;347px||1px||false|false&#8221; custom_padding_tablet=&#8221;220px||110px||false|false&#8221; custom_padding_phone=&#8221;180px||20px||false|false&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_color=&#8221;#ffffff&#8221; top_divider_height=&#8221;180px&#8221; top_divider_flip=&#8221;horizontal&#8221; 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text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.7)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;1000ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; text_text_shadow_style=&#8221;preset2&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Do you have questions?<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Heading Line 2&#8243; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.9)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;1000ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; animation_delay_tablet=&#8221;1000ms&#8221; animation_delay_phone=&#8221;&#8221; animation_delay_last_edited=&#8221;on|tablet&#8221; text_text_shadow_style=&#8221;preset2&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Get debt help now<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Paragraph Message&#8221; _builder_version=&#8221;4.16&#8243; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;79px&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;1500ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; animation_delay_tablet=&#8221;2000ms&#8221; animation_delay_phone=&#8221;&#8221; animation_delay_last_edited=&#8221;on|tablet&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>If you&#8217;re struggling and are wondering how to move forward, give us a call. We&#8217;re happy to answer your questions and help with any financial advice you need. It&#8217;s possible that all you need at the present time is the right information or a plan for how to move forward once your situation improves. Give us a call if you have any questions. Speaking with us is always free, confidential and non-judgmental.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/contact-us#options&#8221; button_text=&#8221;Call Us&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.17.3&#8243; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_border_width=&#8221;2px&#8221; button_border_color=&#8221;#2AD13D&#8221; button_border_radius=&#8221;8px&#8221; button_font=&#8221;|600|||||||&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; z_index=&#8221;1&#8243; animation_duration_tablet=&#8221;1000ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#2AD13D&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;RGBA(255,255,255,0)&#8221; button_bg_enable_color__hover=&#8221;on&#8221; 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transform_styles_last_edited=&#8221;on|phone&#8221; z_index=&#8221;-1&#8243; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|tablet&#8221; min_height=&#8221;385px&#8221; min_height_tablet=&#8221;430px&#8221; min_height_phone=&#8221;470px&#8221; min_height_last_edited=&#8221;on|tablet&#8221; animation_style=&#8221;fade&#8221; animation_duration=&#8221;2000ms&#8221; animation_delay=&#8221;6500ms&#8221; hover_transition_speed_curve=&#8221;ease-in&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Related Topics&#8221; _builder_version=&#8221;4.19.3&#8243; background_color=&#8221;rgba(91,37,175,0.15)&#8221; z_index=&#8221;0&#8243; custom_margin=&#8221;0px||||false|false&#8221; 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custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;H2 Heading&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;||||||||&#8221; header_font=&#8221;Work Sans|600|||||||&#8221; header_2_font=&#8221;||||||||&#8221; header_2_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;Work Sans||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||2px|||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; header_font_size__hover=&#8221;30px&#8221; header_font_size__hover_enabled=&#8221;30px&#8221; header_letter_spacing__hover=&#8221;0px&#8221; header_letter_spacing__hover_enabled=&#8221;0px&#8221; header_text_shadow_style__hover=&#8221;none&#8221; header_text_shadow_style__hover_enabled=&#8221;none&#8221; header_text_shadow_color__hover=&#8221;rgba(0,0,0,0.4)&#8221; header_text_shadow_color__hover_enabled=&#8221;rgba(0,0,0,0.4)&#8221;]<\/p>\n<h2>Related Topics<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; disabled_on=&#8221;on|on|off&#8221; admin_label=&#8221;Related Article Cards | Desktop&#8221; _builder_version=&#8221;4.16&#8243; width=&#8221;70%&#8221; max_width=&#8221;100%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/debt-help&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/getting-rid-of-debt_related_topic.jpg&#8221; alt=&#8221;getting rid of debt&#8221; title_text=&#8221;getting-rid-of-debt&#8221; _builder_version=&#8221;4.16&#8243; border_radii=&#8221;off|8px|8px||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Getting Rid of Debt<\/h3>\n<p>We&#8217;re happy to help you figure out your options. There are more than you might think.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/financial-tools-resources\/debt-money-management-calculators&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/using-calculator-tools-to-save_related_topics.jpg&#8221; alt=&#8221;calculator tools to save&#8221; title_text=&#8221;financial-calculators&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Financial Calculators<\/h3>\n<p>A picture can tell a thousand words. Manage money better when you see how you stack up.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/financial-education\/monthly-expense-tracker&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/tracking-personal-budget_related_topics.jpg&#8221; alt=&#8221;tracking personal budget&#8221; title_text=&#8221;track-your-spending&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Track Your Spending<\/h3>\n<p>An essential part of building a budget is tracking how much you actually spend. Here&#8217;s how.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;Related Article Swipe Cards | Mobile&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;3px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_code admin_label=&#8221;Swiper Code for Swipe Cards (Need to upload card images and then enter their URLs in this code)&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<!-- Link Swiper's CSS --><!-- [et_pb_line_break_holder] --><link rel=\"stylesheet\" href=\"https:\/\/unpkg.com\/swiper\/css\/swiper.min.css\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- Demo styles --><!-- [et_pb_line_break_holder] --><\/p>\n<style><!-- [et_pb_line_break_holder] -->    .swiper-container {<!-- [et_pb_line_break_holder] -->      width: 100%;<!-- 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[et_pb_line_break_holder] -->      -ms-flex-align: center;<!-- [et_pb_line_break_holder] -->      -webkit-align-items: center;<!-- [et_pb_line_break_holder] -->      align-items: center;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->  .swiper-pagination{<!-- [et_pb_line_break_holder] -->    position: relative;<!-- [et_pb_line_break_holder] -->    padding: 5px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  :root {<!-- [et_pb_line_break_holder] -->    --swiper-theme-color: #5b25af<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  <\/style>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- Swiper --><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"swiper-container\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"swiper-wrapper\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"swiper-slide\"><a href=\"\/debt-help\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/10\/getting-rid-of-debt_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"swiper-slide\"><a href=\"\/financial-tools-resources\/debt-money-management-calculators\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/10\/financial-calculator_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"swiper-slide\"><a href=\"\/financial-education\/monthly-expense-tracker\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/08\/track-your-spending_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- Spacer --><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"swiper-spacer\">\u00a0<\/div>\n<p><!-- [et_pb_line_break_holder] -->    <!-- Add Pagination --><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"swiper-pagination\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- Swiper JS --><!-- [et_pb_line_break_holder] -->  <script src=\"https:\/\/unpkg.com\/swiper\/js\/swiper.min.js\"><\/script><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- Initialize Swiper --><!-- [et_pb_line_break_holder] -->  <script><!-- [et_pb_line_break_holder] -->    var swiper = new Swiper('.swiper-container', {<!-- [et_pb_line_break_holder] -->      pagination: {<!-- [et_pb_line_break_holder] -->        el: '.swiper-pagination',<!-- [et_pb_line_break_holder] -->      },<!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] -->  <\/script>[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;response-div&#8221; _builder_version=&#8221;4.14.7&#8243; _module_preset=&#8221;default&#8221; min_height=&#8221;150px&#8221; custom_padding=&#8221;50px||||false|false&#8221; custom_padding_tablet=&#8221;5px||70px||false|false&#8221; custom_padding_phone=&#8221;&#8221; global_module=&#8221;42910&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code admin_label=&#8221;Survey&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<html><!-- [et_pb_line_break_holder] -->  <\/p>\n<style><!-- [et_pb_line_break_holder] -->    .overall-container {<!-- [et_pb_line_break_holder] -->\t\t\tmargin: auto;<!-- [et_pb_line_break_holder] -->  \t\twidth: 60%;<!-- [et_pb_line_break_holder] -->\t\t\theight: 50px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .face-container {<!-- [et_pb_line_break_holder] -->      display: block;<!-- [et_pb_line_break_holder] -->      margin-left: auto;<!-- [et_pb_line_break_holder] -->      margin-right: auto;<!-- [et_pb_line_break_holder] -->      width: 300px;<!-- [et_pb_line_break_holder] -->      height: 90px;<!-- [et_pb_line_break_holder] -->      padding-top: 20px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #section-1 {<!-- [et_pb_line_break_holder] -->      float: left;<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      width: 60px;<!-- [et_pb_line_break_holder] -->      padding-right: 5px;<!-- [et_pb_line_break_holder] -->      opacity: 60%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #section-1:hover {<!-- [et_pb_line_break_holder] -->      opacity: 80%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #section-2 {<!-- [et_pb_line_break_holder] -->      float: left;<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      width: 60px;<!-- [et_pb_line_break_holder] -->      padding-right: 5px;<!-- [et_pb_line_break_holder] -->      opacity: 60%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #section-2:hover {<!-- [et_pb_line_break_holder] -->      opacity: 80%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #section-3 {<!-- [et_pb_line_break_holder] -->      float: left;<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      width: 60px;<!-- [et_pb_line_break_holder] -->      padding-right: 5px;<!-- [et_pb_line_break_holder] -->      opacity: 60%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #section-3:hover {<!-- [et_pb_line_break_holder] -->      opacity: 80%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #section-4 {<!-- [et_pb_line_break_holder] -->      float: left;<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      width: 60px;<!-- [et_pb_line_break_holder] -->      padding-right: 5px;<!-- [et_pb_line_break_holder] -->      opacity: 60%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #section-4:hover {<!-- [et_pb_line_break_holder] -->      opacity: 80%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #section-5 {<!-- [et_pb_line_break_holder] -->      float: left;<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      width: 60px;<!-- [et_pb_line_break_holder] -->padding-right: 5px;<!-- [et_pb_line_break_holder] -->      opacity: 60%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #section-5:hover {<!-- [et_pb_line_break_holder] -->      opacity: 80%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #question {<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      font-size: 20px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 600px) {<!-- [et_pb_line_break_holder] -->      .overall-container {width: 80%;}<!-- [et_pb_line_break_holder] -->      .face-container {width: 200px;}<!-- [et_pb_line_break_holder] -->      #section-1 {width: 40px; padding-right: 5px;}<!-- [et_pb_line_break_holder] -->      #section-2 {width: 40px; padding-right: 5px;}<!-- [et_pb_line_break_holder] -->      #section-3 {width: 40px; padding-right: 5px;}<!-- [et_pb_line_break_holder] -->      #section-4 {width: 40px; padding-right: 5px;}<!-- [et_pb_line_break_holder] -->      #section-5 {width: 40px; padding-right: 5px;}<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #submit-button {<!-- [et_pb_line_break_holder] -->      \tmargin-top: 5px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .button-area-style {<!-- [et_pb_line_break_holder] -->    background-color: #886ab6;<!-- [et_pb_line_break_holder] -->    color: white;<!-- [et_pb_line_break_holder] -->    min-width: 100px;<!-- [et_pb_line_break_holder] -->    padding: 15px 20px;<!-- [et_pb_line_break_holder] -->    font-size: 18px;<!-- [et_pb_line_break_holder] -->    font-weight: bold;<!-- [et_pb_line_break_holder] -->    border-style: solid;<!-- [et_pb_line_break_holder] -->    border-color: #886ab6;<!-- [et_pb_line_break_holder] -->    border-radius: 8px;<!-- [et_pb_line_break_holder] -->    cursor: pointer;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .button-area-style:hover {<!-- [et_pb_line_break_holder] -->    background-color: #ffffff;<!-- [et_pb_line_break_holder] -->    color: #886ab6;<!-- [et_pb_line_break_holder] -->    border-style: solid;<!-- [et_pb_line_break_holder] -->    border-color: #886ab6;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .msg-response {<!-- [et_pb_line_break_holder] -->      display: block;<!-- [et_pb_line_break_holder] -->\t\t\tmargin: auto;<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      width: 400px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    textarea[type=text], select, textarea {<!-- [et_pb_line_break_holder] -->      border: 6px #black;<!-- [et_pb_line_break_holder] -->      border-radius: 10px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #msg {width: 400px}<!-- [et_pb_line_break_holder] -->    #thank-you {<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->  <\/style>\n<p><!-- [et_pb_line_break_holder] -->  <body><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"overall-container\"><!-- [et_pb_line_break_holder] -->        <pee id=\"question\">Was this page helpful?<\/pee><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"face-container\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-1\"><!-- [et_pb_line_break_holder] -->          \t<img decoding=\"async\" id=\"face-1-really-not-helpful\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/04\/face-icon-selected-1-very-sad.png\" alt=\"Helpfulness of page - face 1\" width=50px;><!-- [et_pb_line_break_holder] -->      \t<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-2\"><!-- [et_pb_line_break_holder] -->            <img decoding=\"async\" id=\"face-2-not-helpful\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/04\/face-icon-selected-2-sad.png\"  alt=\"Helpfulness of page - face 2\" width=50px;><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-3\"><!-- [et_pb_line_break_holder] -->            <img decoding=\"async\" id=\"face-3-neutral\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/04\/face-icon-selected-3-no-emotion.png\" alt=\"Helpfulness of page - face 3\" width=50px;><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-4\"><!-- [et_pb_line_break_holder] -->            <img decoding=\"async\" id=\"face-4-helpful\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/04\/face-icon-selected-4-glad.png\" alt=\"Helpfulness of page - face 4\" width=50px;><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-5\"><!-- [et_pb_line_break_holder] -->            <img decoding=\"async\" id=\"face-5-very-helpful\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/04\/face-icon-selected-5-happy.png\" alt=\"Helpfulness of page - face 5\" width=50px;><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div id=\"face-click-result\" hidden><!-- [et_pb_line_break_holder] -->          <\/p>\n<form id=\"response-form\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"msg-response\" id=\"msg-area\"><!-- [et_pb_line_break_holder] -->              <label for=\"msg\">How could we make this page better?<\/label><!-- [et_pb_line_break_holder] -->              <textarea id=\"pages_url\" name=\"page_url\" hidden><\/textarea><!-- [et_pb_line_break_holder] -->              <textarea id=\"survey-type\" name=\"survey-type\" hidden><\/textarea><!-- [et_pb_line_break_holder] -->              <textarea id=\"face_choice\" name=\"face-choice\" hidden><\/textarea><!-- [et_pb_line_break_holder] -->              <textarea id=\"msg\" name=\"visitor_suggestion\"><\/textarea><!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"msg-response\" id=\"msg-area\"><!-- [et_pb_line_break_holder] -->              <button class=\"button-area-style\" id=\"submit-button\" type=\"submit\">Send<\/button><!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/form>\n<p><!-- [et_pb_line_break_holder] -->      \t\t<pee id=\"thank-you\" hidden>Thanks for letting us know.<\/pee><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->     <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/body><!-- [et_pb_line_break_holder] -->  <script><!-- [et_pb_line_break_holder] -->    \tvar fc_result = document.getElementById(\"face-click-result\");<!-- [et_pb_line_break_holder] -->    \tvar thanks = document.getElementById(\"thank-you\");<!-- [et_pb_line_break_holder] -->    \tvar main_q = document.getElementById(\"question\");<!-- [et_pb_line_break_holder] -->    \tvar msg_area = document.getElementById(\"msg-area\")<!-- [et_pb_line_break_holder] -->      var s_button = document.getElementById(\"submit-button\")<!-- [et_pb_line_break_holder] -->    \tvar r_div = document.getElementById(\"response-div\");<!-- [et_pb_line_break_holder] -->    \tvar height = r_div.offsetHeight;<!-- [et_pb_line_break_holder] -->    \tvar newHeight = height + 150;<!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->      document.getElementById(\"survey-type\").innerHTML = \"Was this page helpful?\";<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\t\t\tvar sect_1 = document.getElementById(\"section-1\");<!-- [et_pb_line_break_holder] -->\t\t\tsect_1.onclick = function() {<!-- [et_pb_line_break_holder] -->        \tr_div.style.height = newHeight + 'px';<!-- [et_pb_line_break_holder] -->        \tdocument.getElementById(\"face_choice\").innerHTML = \"Super Sad Face 1 - Really not helpful\";<!-- [et_pb_line_break_holder] -->        \tdocument.getElementById(\"pages_url\").innerHTML = window.location.href;<!-- [et_pb_line_break_holder] -->\t\t\t\t\tsect_1.setAttribute(\"style\", \"opacity:1; -moz-opacity:1; filter:alpha(opacity=100)\");<!-- [et_pb_line_break_holder] -->        \tmain_q.style.color = '#cbcbcb';<!-- [et_pb_line_break_holder] -->        \tfc_result.style.display = \"block\";\t\t<!-- [et_pb_line_break_holder] -->\t\t\t\t\treturn false;<!-- [et_pb_line_break_holder] -->\t\t\t}<!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->\t\t\tvar sect_2 = document.getElementById(\"section-2\");<!-- [et_pb_line_break_holder] -->\t\t\tsect_2.onclick = function() {<!-- [et_pb_line_break_holder] -->        \tr_div.style.height = newHeight + 'px';<!-- [et_pb_line_break_holder] -->        \tdocument.getElementById(\"face_choice\").innerHTML = \"Sad Face 2 - Not helpful\";<!-- [et_pb_line_break_holder] -->        \tdocument.getElementById(\"pages_url\").innerHTML = window.location.href;<!-- [et_pb_line_break_holder] -->\t\t\t\t\tsect_2.setAttribute(\"style\", \"opacity:1; -moz-opacity:1; filter:alpha(opacity=100)\");<!-- [et_pb_line_break_holder] -->        \tmain_q.style.color = '#cbcbcb';<!-- [et_pb_line_break_holder] -->        \tfc_result.style.display = \"block\";\t<!-- [et_pb_line_break_holder] -->\t\t\t\t\treturn false;<!-- [et_pb_line_break_holder] -->\t\t\t}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\t\t\tvar sect_3 = document.getElementById(\"section-3\");<!-- [et_pb_line_break_holder] -->\t\t\tsect_3.onclick = function() {<!-- [et_pb_line_break_holder] -->        \tr_div.style.height = newHeight + 'px';<!-- [et_pb_line_break_holder] -->        \tdocument.getElementById(\"face_choice\").innerHTML = \"Neutral Face 3 - Hard to say\";<!-- [et_pb_line_break_holder] -->        \tdocument.getElementById(\"pages_url\").innerHTML = window.location.href;<!-- [et_pb_line_break_holder] -->\t\t\t\t\tsect_3.setAttribute(\"style\", \"opacity:1; -moz-opacity:1; filter:alpha(opacity=100)\");<!-- [et_pb_line_break_holder] -->        \tmain_q.style.color = '#cbcbcb';<!-- [et_pb_line_break_holder] -->        \tfc_result.style.display = \"block\";\t<!-- [et_pb_line_break_holder] -->\t\t\t\t\treturn false;<!-- [et_pb_line_break_holder] -->\t\t\t}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\t\t\tvar sect_4 = document.getElementById(\"section-4\");<!-- [et_pb_line_break_holder] -->\t\t\tsect_4.onclick = function() {<!-- [et_pb_line_break_holder] -->        \tdocument.getElementById(\"face_choice\").innerHTML = \"Glad Face 4 - Helpful\";<!-- [et_pb_line_break_holder] -->        \tdocument.getElementById(\"pages_url\").innerHTML = window.location.href;<!-- [et_pb_line_break_holder] -->\t\t\t\t\tsect_4.setAttribute(\"style\", \"opacity:1; -moz-opacity:1; filter:alpha(opacity=100)\");<!-- [et_pb_line_break_holder] -->        \tmain_q.style.color = '#cbcbcb';<!-- [et_pb_line_break_holder] -->        \tfc_result.style.display = \"block\";<!-- [et_pb_line_break_holder] -->          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