• Home
  • About
  • Advertise
  • Contact
  • Policy
  • Guest Post
  • Archive

One Cent At A Time

A Personal finance blog to get rich

  • Email
  • Facebook
  • Pinterest
  • RSS
  • Twitter
  • Beautiful Life
  • Becoming Rich
  • Beginners Guide
  • Extra Income
  • Productivity
  • Saving Money

Tips While Dealing with Credit Card Companies For Debt Relief

January 20, 2023 Leave a Comment

Share this:

  • Tweet
  • Email

Let’s talk about how to deal with credit card companies for debt relief when you can’t pay the entire outstanding amount. Debt relief by credit card companies refers to the various options that credit card companies may offer to help customers who are struggling to pay off their debt. These options can include:

Debt settlement: This involves negotiating with the credit card company to reduce the total amount of debt that you owe. You may be able to settle your debt for less than the full amount, but it will likely hurt your credit score.

Debt consolidation: This involves combining multiple credit card debts into one loan with a lower interest rate. This can make it easier to manage your debt and lower your monthly payments.

Continue Reading...

Broke and Beware: The Hidden Costs of Debt Relief Initiatives

September 15, 2022 Leave a Comment

Share this:

  • Tweet
  • Email

There is no doubt that millions around the world are struggling to make ends meet. The sustained body shots of inflation, COVID economic loss, and war in Europe have combined to produce significantly increased living costs worldwide, while businesses haven’t yet returned to pre-pandemic revenues, and people are still looking for alternative employment.

Broke and Beware: The Hidden Costs of Debt Relief Initiatives

In this difficult economic climate, debt relief schemes seem like beneficial support – but they may be a double-edged sword that isn’t a long-term solution.

Continue Reading...

What is the Quickest Way to Get Out of Debt?

November 15, 2021 Leave a Comment

Share this:

  • Tweet
  • Email

Debt might be unavoidable. In some cases, especially when making a large purchase – like a house, a car, a holiday – or covering unexpected expenses, it is best advised you take out a loan (get into debt) so that you can do what you want or need to do.

What is the Quickest Way to Get Out of Debt?

In the past, digging out of debt could take years, and interest rates over what might be multiple loans further complicated your financial position.

Continue Reading...

These Tips Will Help You to Pay off a Student Loan as Fast as Possible

April 12, 2018 2 Comments

Share this:

  • Tweet
  • Email

The dream of every student who is haunted by a student loan is to pay it off as fast as possible. How exactly can you achieve that? How to Pay off a Student Loan as Fast as Possible?

Pay off a Student Loan

What do 25-, 35-, and 45-year-olds have in common? They all are still paying off their student loans. Apparently, you can never be too old to be in debt to your alma mater in terms of your precious knowledge and financial pit.

Continue Reading...

How to Pick a Debt Relief Partner

March 23, 2018 Leave a Comment

Share this:

  • Tweet
  • Email

If you’ve decided your best course of action is to pursue debt settlement, you’re going to need to know how to pick a debt relief partner. Given this is a company with which you’ll be dealing for at least two years—possibly longer—you’ll want to choose carefully.

How to Pick a Debt Relief Partner

After all, your financial future is on the line here, so you must make sure things are handled properly and as expeditiously as possible.

Continue Reading...

10 Things You Should Know about Choosing a Debt Consolidation Company

February 5, 2018 4 Comments

Share this:

  • Tweet
  • Email

It seems as if there is a dizzying array of offers popping up all over the Internet promoting various debt consolidation companies. How do you choose the right one? You want to get out from under your mountain of debt and start spending money on the things you want instead of throwing it away on interest payments, but finding the right company seems overwhelming.

Financial trouble

Here are 10 tips to help you pick the perfect debt consolidation company for your needs. But, first, refer to our Do it Yourself Debt Consolidation Guide. Only if you are not able to do it yourself, go for picking up the right company.

Continue Reading...

Your Credit Cards And Their Hardship Programs

June 23, 2017 34 Comments

Share this:

  • Tweet
  • Email

Steve recently lost his job at a sporting goods manufacturing company, he has 3 credit cards each with high balances. He now lives on the emergency fund (What exactly is an emergency fund)and a little help from his wife’s income as a playschool teacher. They have two children age 10 and 6.

Because of a combined debt of $25K he has to pay $500 per month to keep his credit card active and credit score in-tact. But, he obviously can’t afford to make that payment every month. He has the below options in front of him

  1. Declare bankruptcy – For him to continue to look for decent jobs, he can’t do that
  2. Settle his debt – Since he lives on an emergency fund, he doesn’t have the money needed to settle his accounts
  3. A little side business to continue to pay minimum due amount – This will hamper with his preparation for job interviews. A side business that earns $500 per month is not an easy task.
  4. Talk to a credit counselor – Getting help from a credit counselor, surely this is one of the best ways to deal with the situation, read more about Credit Counselling.

But it is not the best option available for you, a simple effort can bail you out of the situation, your card issuer deals with cases like Steve’s 1000 times a day. Instead of looking help elsewhere, try looking into the card companies itself for help.

Continue Reading...

51 Tested Methods To Become Debt Free

June 20, 2017 28 Comments

Share this:

  • Tweet
  • Email

A Harvard Business School Graduate recently made headlines for paying off a $90,000 debt load in just 7 months. It’s an amazing accomplishment and shows that it can be done. Maybe you can’t pay off that much debt in that little time, but if you’re willing to make tremendous sacrifices you can also abolish your debt in a fraction of the time as if you’d made regular monthly payments.

51 Ways to become debt free

This list is to inspire you and make you realize there are avenues towards a debt-free life. Whatever you choose from below all will lead to freedom. Freedom from worries and stress.

Continue Reading...

10 Questions to Answer Before Contacting a Debt Relief Firm

February 11, 2015 1 Comment

Share this:

  • Tweet
  • Email

To continue from where we left on Monday when debt becomes too much to handle there’s one relief we can think of, debt consolidation to reduce the interest rate. That may affect your credit but getting rid of debt burden at a cheaper cost makes it favorable. Previously I posted about self-consolidating debt to avoid high fees of debt consolidating companies.

Tackling Debt

Debt consolidation has few aspects that you should know. It has a very bad impression on your credit, it requires hefty fees and you’re faced with the increased tax burden. Please note, I’ll never recommend my friends and family to go for debt consolidation. I’d rather advice them to go to a credit counselor instead.

Continue Reading...

How to Reduce Your Debt from Being Financially Indebted

February 9, 2015 3 Comments

Share this:

  • Tweet
  • Email

Getting your debt paid off is perhaps the most important suggestion a finance blogger can give you. I have written many posts on this subject. Still when a guest blogger offers to extend advice on reducing debt burden, we can’t simply say ‘No’. I’d love to present you thousands of articles to reduce your debt. Enjoy this very encouraging post from Bill. This is Bills 4th guest post on my blog.

Reduce Debt

Just like it is normal to have addictions and habits, having debt is slowly becoming a tradition amongst a number of people.

Continue Reading...
Next Page »


Create your own blog in 20 minutes and $20

Personal Capital, a free tool to change your financial health today

I use and suggest Upstart, for your personal loan need

CreditKarma, a free tool to check your credit scorey

I use Coinbase, for my crypto investments

101 Cents at a Time

101 Ways to Earn Extra Money on the Side
201 Frugal and Perfect Birthday Gifts
101 Ways to Save Money Everyday
101 Ways to be Better and Successful at Work
101 Ways to Save Environment and Energy
101 Frugal and Romantic Anniversary Ideas
101 Low-Cost Men's Fashion Ideas
101 Personal Finance Tips
101 Ways to Reuse Household Stuff
101 Things to Do, When Nothing to Do
101 College Graduation Gift Ideas
100 Tips for Ecommerce Startup
101 Ways to Enjoy Indoor During Winter
101 Ways to Beat Procrastination

Popular Posts

Quick Cash - How to make $100 legally, in a day
Living well on less than $15,000 a Year
Top survey sites for side income
What to do when auto repair goes wrong
Where should I invest my money now?
20 Ways to be productive and happy at work
51 Ways to get out of debt
Be a better person in 15 days, 15 ways
Income ideas for retirees and senior citizens
51 side jobs for college students
Urgently need a large amount of money?
Should I buy or should I rent?
Best Personal loan providers
25 Ways to save environment
25 DIY car repairs to save money
How to decorate office cubicle
How to show your wife you care
50 Financial Rules for Success
51 Frugal weekend family activity ideas
Become Rich By Saving 1 Hour Of Daily Wage
How much do I need to save for retirement?
How to negotiate your salary

Follow us on FaceBook

Subscribe

Join our community of 5000+ subscribers to increase net worth and build wealth

Advertisements

Personal Stories

How I got a new HP computer replaced
Was COVID circulating in USA in fall of 2019?
How my credit score went up 800+
Why I didn’t invest in Bitcoins
How I controlled impulses to buy things
Why this blog is named One Cent at a Time

Subscribe via Email

Site Disclaimer

Disclosure of Material Connection: Some of the links in this web site are “affiliate links.” This means if you click on the link and purchase the item, I will receive an affiliate commission. Regardless, I only recommend products or services I use personally and believe will add value to my readers. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”
Read full Affiliate disclosure


One Cent at a Time is published by SB. The opinions expressed herein by him are his own and not those of his employer or anyone else. All content on One Cent at a Time is for entertainment purposes only. By reading this blog, you agree that SB and/or One Cent at a Time is not responsible for any actions taken after reading this blog. For the full disclaimer, click here .

Major Media Mention

One Cent at a Time Media Appearances

Copyright © 2023 One Cent At A Time · Designed by Nuts and Bolts Media