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Is it Better to Pay Off Small Debts First?

January 27, 2019 2 Comments

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There’s no worse feeling than being bogged down by debt with no plan of how to escape from the financial nightmare. Getting into debt is so easy, yet climbing back out is no easy feat. But, by taking the time to look at your debt in a big picture view and having a plan of attack, you can slowly but surely pay off your debt.

Is it Better to Pay Off Small Debts First?

But which debt repayment plan is the best option to use? While there’s no wrong or right way to pay down your debt, there are some methods that may be more advantageous than others.

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6 Tips for Paying Off your Credit Card Debt Faster

April 10, 2018 14 Comments

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Credit card debt is the worst type of debt. People fail to pay off credit card debt. Most of the time the debt relates to retail purchases that do not retain resale value, which is why the debt is so hard to shift, and why it builds up so fast. Credit cards usually have higher rates of interest than almost any other kind of money lend – this is another reason the amount you owe seems to rise almost faster than you can pay it back.

pay off credit card debt

Today on my way back from work, on NPR radio I heard about declining credit card delinquency rate in the US, in fact, delinquency is at 7 years low right now. That was very good news for us. and a sign of recovering the economy but if you see deeper, the problem is still intact. Problem with paying only paying the minimum due amount every month.

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Debt Addiction, Settlement and Your Credit Score

March 2, 2018 4 Comments

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There’s been a lot in the media lately about debt addiction. It’s a problem not only in America but in other parts of the world, too. Despite knowing the dangers of overspending, sometimes people can’t seem to stop creating new debt.

Debt Snowball

It’s not hard to see that many of us have too much debt – and we know it. In the wake of the Great Recession, many of us have taken steps to curb our spending and reduce our debt. But those steps are harder to take for some people. Despite knowing the dangers of overspending, they just can’t seem to stop creating new debt.

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10 Things You Should Know about Choosing a Debt Consolidation Company

February 5, 2018 4 Comments

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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.

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Important Tips on Debt Consolidation

December 20, 2017 3 Comments

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Do you feel the ground slipping from under your feet because of the huge responsibility of repaying multiple debts every month? Chronic stress and frugal fatigue became your most powerful enemies and you cannot seem to win the fight? Do you live mediocre due to the high number of debts? If you don’t feel in control of your finances and have a sense that money is running away from you then it can, as the NHS recognizes, have a big impact on your self-esteem and mental health.

Pros and cons of debt consolidation: Is it right for you?

If you’re struggling to clear your debts, you don’t need to suffer in silence. There are things you can do to get back control and start to tackle your money worries. Well, it seems like you have a single solution that could help you eliminate these troubles from your life.

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Facing Your Fears: Debt Collector Harassment

July 17, 2017 Leave a Comment

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Everyone has debt. Whether you owe money for medical bills, student loans, or credit cards, debt it is normal. What isn’t normal, however, is debt collector harassment. While their calls sometimes are a minor annoyance (because no one likes getting them), other times you may fear for your safety.

Debt Collector Harassment

In this case, these calls can be considered debt collection harassment. According to the Fair Debt Collection Practices Act, debt collectors may not do the following:

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51 Tested Methods To Become Debt Free

June 20, 2017 28 Comments

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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.

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How to Use Debt Settlement to Escape From Debt

January 22, 2017 1 Comment

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Many of us have debts which need to be repaid and harnessing those debts can be quite the challenge. Humans are weak, and we are all prone to doing many of the same behaviors which got us into a bad situation in the first place, this time hoping for a different result.

Credit card companies know that most people fit the clinical definition of insanity so they keep feeding us their product. They also know that most of us one day emerge from the haze and make a conscious and earnest decision to get a hole of our lives.

This is why credit card companies and their subsidiaries have begun rolling out their debt settlement program. You may have some questions, such as:

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How to Train Your Mind To Stay Out of Debt

March 2, 2016 3 Comments

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For some reason American’s love to live with borrowed money. Whether it’s the govt. or the citizens. The debt burden is huge. To get a quality education you need to be in debt, unless your parents can afford the cost of education. Still debts like student loans and mortgage are good loans. at least the purpose of taking out those loans is good. you are actually investing the borrowed money, either in your future or on an appreciating asset, your home.

Train Your Mind to Stay Out of Debt

But the moment you start borrowing to buy things, like car, TV, appliances or just your daily expenses, it becomes nasty. Since the invention of credit cards and loans, to get goods and services through credit has never been easier. People owe money to not only banks but also, friends, co-workers, family members as well. These are the habits, you need to train your mind to avoid!

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5 Steps to Get Out of Debt in 2016

December 11, 2015 2 Comments

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According to a survey conducted by CreditCard.Com, more than a third of Americans incurred debt over the holiday season. I have always said that you will have more money if you are earning interest on it instead of paying interest to someone else, but I had to learn that lesson the hard way because I left the military after 12 years of service with over $32,000 in credit card debt.

How to get Debt Free in 2016

The sad part is that I did not accumulate that debt because of a medical emergency or because I lost a job. I was in the military and my housing was paid for, my food was paid for, the Army provided me with a uniform, and my dental and medical were free.

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