http://disqus.com/people/7b078fa69772b1a4c7e0f66ebd874897/enSun, 07 Dec 2008 21:11:03 -0000http://carriedanielle.disqus.com/top_five_get_out_of_debt_mistakes/#comment-4240862I agree with most of the advice here. However - regarding the advice to avoid closing accounts - I don't agree that this is right for everyone to avoid. If someone does not have a need in the next 6 to 12 months to obtain new credit (ie., they are not going to refinance or purchase a home or car, for example) I don't think the hit to the credit score is a serious problem.<br><br>I followed this advice last year and early this year as we were paying off cards so I could increase our credit score as well as decrease debt because we were buying our house. However, we have the house now, and I hate dealing with more than a few cards - as well as paying annual fees to have the cards in the first place, so I will be closing at least 3 cards in the next few months as we pay them off. The hit to my credit score doesn't bother me, because I know when we are ready to need credit again (we may buy a new used car again in 2 or 3 years) I will have time to recover.<br><br>This is what is working for us - as you stated, there is no one size fits all solution. Great article - I just wanted to share our experience.SherrySun, 07 Dec 2008 21:07:13 -0000http://carriedanielle.disqus.com/freelance_tips_how_to_survive_working_from_home_this_holidays/#comment-4240902AMEN to that!<br>I have worked from home most of the last 4 years - and your article is dead on.<br>I think one needs a schedule and stick to it when they are working from home much more so than in an office setting. It is way too easy to get side tracked by neighbors, children, and of course the holidays. <br><br>If you respect your own schedule (both work time and time off) others will respect it as well.SherrySun, 07 Dec 2008 21:11:03 -0000