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Fast Track Debt Relief, Inc.
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Fast Track Debt Relief, Inc.
Wednesday, May 3, 20175eKomi
I had been so over whelmed with being in debt and truly saw no way out. And with the help of *** and *** I am officially DEBT FREE. I cant begin to tell you how good this feels. And for some time...
Fast Track Debt Relief, Inc.
Sunday, June 25, 20175eKomi
Something unbelievable but true this program really helped me a lot so far
MAR 07, 2015, SATURDAY
Consider-the-pros-and-cons-of-joint-accounts-to-stay-debt-free Don’t Open a Joint Bank Account! (Before Reading This)

Opening a joint bank account can seem like an amazing idea at the outset. It’s a great way to give both of you access to the money you need. Unfortunately, there are some real drawbacks involved, too. This guide can help you decide if a joint bank account might be right for you, and keep you out of debt.

The Bonuses

Opening a joint bank account means simplicity for both of you. You’ll never have to worry about who got paid first, which account to pay bills out of, or play account coordinator so you can both have access to the money you need. What’s more, though, is that your joint account can actually help boost the credit score of your partner if he or she has a lower credit score.

The Consequences

It’s not an entirely rosy picture, though. There are some risks involved. If you share an account, the other person has full access to your finances. They can spend your money, and if they’re not very good at watching out for things like overdrafts, you could be in real financial trouble very quickly.

Considerations You Should Take Seriously

First, remember this is a huge commitment. You’re going to have to work to decide if both of you are comfortable with the possible scenarios ahead. Look at whether the other person has a steady income, as well as his or her reliability factor when it comes to money. Think about how much of your finances you’re ready to combine with that individual, as well as who might be in charge of maintaining the account.

Keep Track of the Funds in Your Account

If you do decide to move forward with your new joint account, make certain both of you have online access so you can watch transactions. Many banks today offer alerts via text message when funds are low. You may also want to look into joint budgeting software so you can keep an eye on things.

Alternatives to Joint Bank Accounts

Worried that a joint account isn’t quite what you’re ready for? There are lots of options that help give you some of the same benefits without the risks. It may be possible to sign up for separate accounts at the same bank and use their online banking program to move money from account to account. There are also some apps that help link accounts to pay bills, like RentShare.

Joint bank accounts aren’t right for everyone, so work together to come up with a choice that is comfortable for both of you.

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"Fast Track's Debt Relief financial specialists can give business owners the peace of mind that comes with knowing that the effort has been made to have business debt problems finally settled with Fast Track's help."
Rebecca G.
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Janet A.
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Ginger J.
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Melissa H.
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