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Best Credit Cards
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Have you seen the commercials? Cute...
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Student Credit Cards
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Unfortunately, wallets and purses do get stolen or lost on a regular basis. Your biggest concern is usually the fact that your credit cards are missing. If this happens to you, do you have a plan of action? Well, you should. It really isn't as...
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Keeping Track to Repair and Build Credit
Keeping track of your spending and diverting a budget plan is
often a better solution for repairing credit and building your
rating. If you file for bankruptcy of debt consolidation you are
only adding more headaches to an already bad situation.
Bankruptcy goes on your credit report for more than ten years in
most cases. When lenders see that you have filed bankruptcy they
often stop you at the door. Debt consolidation loans add
additional expenses to your bills.
Most debt consolidation loans include high interest rates, and
payments to creditors that are insufficient and often keep you
on needles and pins while your bills are paid. Therefore, the
best solution for repairing your credit and building your rating
is to save money. First, you might want to invest in software
programs that have tools for budgeting and saving. The small
investment could save you headaches by allowing you to use
tools. Keeping a record of your expenditures will start with a
monthly budgeting scheme. If you are using software programs it
is easier to budget, but if you choose to go on your own, you
can set up a form.
The form will have a header Daily Spending for the week of
--------------. You will add in each day of the week, how much
it cost you each day to survive, and the total of the week once
the week has ended. It is wise to make several copies so that
you can monitor your spending over the next few months. Since
Sunday is considered the first day of a starting week, it is
always wise to start on a Sunday recording your budgets. Be sure
that you record all your spending, as well as money saved,
earned, taxes, fees for banking, and so on.
At each week when your bills are due try spending as much as
possible on your bills, only allowing x amount of dollars to
survive the following week. For example, if you have a phone
bill of $113, a water bill of the amount $79, lights $89, gas
$99 and you have the amount of $375 paid to you, you know that
you can't pay the full amount of the bills to survive.
Therefore, you will need to set up a
budget to meet the demands
put on you. It is wise to cut back. If you have cable or
satellite TV, you might want to disconnect until you get your
bills caught up.
You can always rent movies for a low fee each month online, or
get a movie or two once every week for entertainment, however,
if you can do without entertainment altogether until your bills
are paid, how much better to repair your credit. Your credit is
more important to your future than any single movie, unless you
are making millions from the movie.
Radio music is often free, as well as other entertainments. Try
to find something that doesn't cost until your bills are paid,
then you can restore your life. You might even want to create a
form that estimates your monthly installments as well as your
expenses for survival. On the monthly form you will list your
gross pay, bonuses, pensions, retirements, child support, and so
on.
Finally, you will calculate your monthly receives and deduct
them by the amount you owe, leaving enough funds available for
your survival. While you are calculating your expenses be sure
that you find ways to cut back on areas of your spending. This
will help you to find a way to alter your spending habits, yet
survive each month. After you have saved for a few months you
will see that you have more money to spend toward your credit
repair.
Cut backs should include groceries, personal care, medical, pet
expenses, gifts, vacations, and so on. Keeping track of your
records can help you to repair your credit rating and score as
well as help you to rebuild your credit. If you have a low
paying job you might want to find a job that pays better wages.
You might even want to take a part-time job to compliment your
full-time job. There is always a solution for building credit or
else repairing what is already lost.
About the author:
Tony Robinson is a business owner with vast experience in all
facets of Credit and Credit Repair - for further tips and
techniques visit http://www.officialdebtfree.com
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