Archive by category Debt

6 Ways To Force Yourself To Spend Less on Credit

6 Ways To Force Yourself To Spend Less on Credit

It’s easy to decide for yourself to get out of debt. The difficult part is in executing your plans. And it is even more excruciating to go about your new-found frugal lifestyle when you are faced with the temptation of your credit card every time you flip open your wallet. The good news is that […]

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When Do You Need A Credit Counselor To Help Your Debt Problem

When Do You Need A Credit Counselor To Help Your Debt Problem

There are two types of credit counselors. Those that deal with credit repair, and those that are experts in debt management. While both types of services will ultimately impact your credit rating, these specialists offer services that differ quite a bit from each other. The biggest difference that most people will be able to observe […]

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15 Questions That Will Reveal How Deep Your Debt Problems Are

15 Questions That Will Reveal How Deep Your Debt Problems Are

It takes a real man to own up and admit he has a debt problem. For some reason, it is something that puts a man’s masculinity into question. But debt problems are not unique to men. Women have them too. And usually adults who have a self-image to protect seldom open up and tell the […]

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5 Types Of Debts To Clear Off As Soon As You Can

5 Types Of Debts To Clear Off As Soon As You Can

The concept of good and bad debt is no longer a hidden secret of the rich. This is real and everyday people can apply this concept to aid their own personal financial management activities. While there are some forms of borrowed money that can help an individual to build wealth passively, there is also no […]

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6 Questions To Ask Before Consolidating Your Credit Cards

6 Questions To Ask Before Consolidating Your Credit Cards

Debt consolidation is big business. It is not hard to see why it can be an attractive proposition to those who are in debt. It basically means that you combine all your loans into one. Then you will only be left with 1 payment to make each month rather than the 10 that you currently […]

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3 Proven Ways To Reduce Credit Card Debt Or Fully Repay It

3 Proven Ways To Reduce Credit Card Debt Or Fully Repay It

The obvious way to clear off your balance on the credit card is to stop charging your cards and start making bigger payments each month until you eventually eliminates it altogether. But for a lot of people, that is the very last resort which will only be enforced when the apocalypse hits. If you want […]

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5 Ways To Get Out Of The Desperate Payday Loan Trap

Some people reckon that payday loans are like a cartwheel trap. Once you get on it, you continue churning cash for the lender while you can never get out. It is not difficult to understand why. People who are desperate enough to take up these types of loans are already facing very tight financial situations. […]

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6 Steps To Getting A Debt Settlement With Balance Reduction

6 Steps To Getting A Debt Settlement With Balance Reduction

How would you like to repay half of what you owed the bank and never be bothered by them again? This is a proposition that almost anyone would like to have. But note that structured debt settlements with reduced balances will affect your credit score badly. Even though the money is officially settled and paid, […]

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8 Ways To Reduce Your Fixed Expenses

8 Ways To Reduce Your Fixed Expenses

One of the key components of a debt management plan is to not only control, but to reduce your fixed expenses. A dollar saved is as good as an additional dollar for you each month. Anyway in most cases, you are buying more than you need to on many items. For example, restaurants often sell […]

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4 Tips On Getting Professional Help To Get Out Of Debt

4 Tips On Getting Professional Help To Get Out Of Debt

You do not need to explain to anyone of you decide on hiring a professional to help you get out of debt. In a way, you are now passing that responsibility to a someone else so that you can blame others when you fail again. if you think about it, a pro is no magician. […]

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