Valley Breeze

The Valley Breeze Woonsocket North Smithfield 03-14-2019

The Valley Breeze Newspapers serving the Northern Rhode Island towns of Cumberland, Lincoln, Woonsocket, Smithfield, North Smithfield, Pawtucket, North Providence, Scituate, Foster, and Glocester

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WOONSOCKET 2ND Fl. 5 large rooms, 3 beds. Gas heat, beautiful. $1100./mo. +Sec. No pets. 401-744- 7716. WOONSOCKET: 2ND floor, Wood Ave. 3 rooms. Hardwoods, porch, appliances, coin-op, off- street parking 1 vehicle. Security negotiable. $650/ mo. 774-225-8018. SPACE AVAILABLE SMITHFIELD ORCHARD View Industrial Park. 1250 sq. ft. Small overhead door. Not zoned for automotive but ideal for small workshop or office. $825/mo. Call Angelo, 401-480-1040. CHEVY SILVERADO: '01 3500, 9' dump truck. Manual, 56-K mi. Looks & Drives like new. $8,000 O.B.O. 728-8692. New England Classifieds A PLACE FOR MOM. The nation's largest senior living referral service. Contact our trusted, local experts today! Our service is FREE/ no obligation. CALL 1-855- 799-4127. VALLEY BREEZE LIVING EDITION | VALLEY BREEZE | MARCH 14-20, 2019 CLASSIFIEDS 11 WOONSOCKET TAX SERVICES 172 FRONT STREET WOONSOCKET, RI 02895 TEL. (401) 765-1840 FAX (401) 356-1141 INFO@WOONTAX.COM WWW.WOONTAX.COM WWW.FACEBOOK.COM/WOONTAX/ 650 George Washington Hwy. Lincoln, RI 02865-4206 LINCOLN TAX SERVICES OF RHODE ISLAND IN-HOME TAX PREPARATION SERVICES ALSO AVAILABLE Sharon DeSimone, EA 401-651-1112 6 Blackstone Valley Place Suite 401D Lincoln, RI 02865 401-658-1300 Income tax services for business & individuals. Accounting, auditing and business consulting. Feeney, Foster & Cavanagh CPas, LLC Claire Girard Tax Services Personal ~ Small Business 849 Cumberland Hill Road Woonsocket (401) 765-1040 Now offering E-file to my customers PERSONAL FINANCE GUIDE | WHEN YOU OWE Data released by Experian, a credit reporting agency, reveals that the average American faced a credit card balance of $6,375 in 2017. That's up nearly three percent from last year. Here are some other sobering statistics discov- ered about credit card debt in the United States. • 43 percent of Americans are carrying credit card balances for more than two years. • The average household carries $16,883 in cred- it card debt. • Credit card holders pay $1,292 in interest every year. If you are one of the millions of Americans struggling to make ends meet and catch up on your debt, there are ways to get your head above water. USE RESPONSIBLY It can be tempting to make an impulse pur- chase. It's also easy to tell yourself you will pay it off before interest fees incur but find yourself only making minimum pay- ments. Being a responsible credit card holder requires diligence in making purchases not outside your means. ERASE CURRENT DEBT While small balances which are easily managed can be beneficial to your overall credit, it's import- ant to make payments on time and avoid carrying a large amount of debt. Here are some tips from the organization Consolidated Credit to lower your amount owed to a more manageable price point. Avoid making minimum payments only. The suggested amount is not efficient to your goal of becoming debt free. Instead, plan a significant amount of extra cash to put down on your debts. Pay attention to interest rates. Making mini- mum payments at 15 percent APR means one half of each payment merely covers accrued interest. Meet with a financial adviser to create a goal for a pay-off date. They can guide you to how much your payments must be to become debt free. A ccording to a recent study from the Federal Reserve, the United States has surpassed one trillion dollars in credit card debt. This is the highest level it has been since the Great Recession. © ADOBE STOCK Alleviate Credit Card Debt State-of-the-Art Color Matching System INSURANCE WORK • Welding Frame Straightening FREE LOANER CARS AVAILABLE You Have The Right To Choose Your Body Shop INSURANCE CLAIM PROCESSING EXPERT COLLISION REPAIR Kevin Patras, owner Cell: 401-439-7744 BODY SHOP 401-762-5252 AUTO SALES 401-762-1040 620 Pond Street, Woonsocket, RI 620 Pond Street, Woonsocket, RI License #135 Bernier's Auto Body & Sales T H E C A L L & T H E T I M E S 3 Years In A Row! 2016-2018 Visit us at: 588 Broadway • Pawtucket, RI 02860 & Auto Service (401) 725-3535 MON-FRI 7:30 a.m. - 5 p.m. SAT 7:30 a.m. - 1 p.m. BFGoodrich® All-Terrain T/A® KO2 tire available at Broadway Tire! & Auto Service • ANY Mechanical Services • Discount with coupon ONLY 10 % OFF EXPIRES 5/31/19. Not valid with other promotions or offers. Valid only at Broadway Tire & Auto Services. Must have coupon. 3 Lower Road (off Front Street), Lincoln, RI 02865 (401) 725-4543 Nos Falamos Portugues Se Habla Español •Insurance Company Approved • Loaners/Rentals • Certified Technicians It's your choice who repairs your vehicle, not the insurance company's Car Care Corner

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