One Cent At A Time

A Personal finance blog to get rich

19 Pretty Things to Make Debt Snowball a Motivating Factor

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Facing debt is not easy. Various credit card statements, phone bills, overdue utility bills and other IOUs are not pleasurable sights. As a responsible citizen, I know we all have our shares in keeping ourselves debt-free; however, there are times that we can’t really say no to those tempting things we see on the display stores.

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”Those shoes are just so me. I’ve got to have them.”
”I love the feel of this fabric in me. They won’t be on sale next week, or maybe tomorrow, so I’ve got to buy them now.”
”It won’t hurt to have another cup of coffee, right?”
”The latest brand of mobile phone really fits my lifestyle. I have to have it.”

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A Self Debt Consolidation Guide

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As a blogger you receive advertisement/guest post offers from debt consolidation firms. I do receive their pitches regularly. People, in general, think debt consolidation companies are bad, they are loan sharks. The fact is, it’s partially true, they are as bad as credit card companies if you learn to use them they’ll be the helpful ladder for you for coming out of debt.

But, this sector is not as much regulated as the credit card sector so, there are bad companies who adopt fraudulent tactics, giving bad names to debt consolidation industry in general.

If you follow general guidelines, you can take maximum advantage from these debt consolidation companies. Otherwise, if you let loose, you may be ruined. Basically, debt consolidation companies work with certain principles, that you should consolidate all your debts into one single and bigger chunk to better manage them.

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You Are Debt Free, Can You Remain Debt Free?

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Have you looked at your health insurance documents lately? If not, you might want to do so. Your health coverage could end your debt-free adventure at any time.

I have an Aetna policy with a $5,250 in-network deductible. So far this year (fortunately) SMB and I haven’t had to visit a doctor or hospital. But if either of us gets sick, we have to shell out money from our pocket up to this maximum. (I am not discussing the ways to choose a health plan, so don’t get distracted.) The point here is, whatever your out-of-pocket maximum may be, are you prepared to pay it off? Do you have that money?

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