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The newly unemployed need to dramatically shift spending, payment habits

Credit Cards

There are a few bedrock principles when it comes to using credit cards wisely: Pay them off in full whenever you can, pay off balances as quickly as possible and use windfalls such as tax returns, bonuses or inheritances to wipe balances clean. But when you're facing a job loss, all those commonly held rules go out the window, says Cate Williams, vice president of financial literacy at Money Management International, a national nonprofit credit counseling firm. View the full article.