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An Overview of Student Loan Debt Consolidation
A student loan debt consolidation loan allows you to combine
your federal student loans into a single loan with one monthly
payment. The repayments of a student loan debt consolidation
loan can be significantly lower than the payment required...
Becoming Free of Debt
What keeps the most people from developing wealth? What is the greatest obstacle to retirement? If you could eliminate one thing to position yourself for financial peace and security, what would be? The answer to each question above is debt!...
Debt Elimination - Put An End To The Pressure And Worry
Serious financial problems can make your life miserable and you
may feel as if there is no way out from under your debts.
However, there is relief in sight. There are a number of debt
elimination programs that can help you rid yourself of...
Do you need a debt consolidation loan?
If you are in financial difficulties due to debt or have built
up a variety of debts over time, a debt consolidation loan may
be for you. But before you take that route, you should consider
all the options.
However you got into debt -...
Doing Debt Right, First Time and Not Repeatedly!
Sure, if you had your choice, you'd avoid debt, spend only what
you earn, and save a ton of money for the future. But sometimes
it just doesn't work out that easily. Life throws you those
little curve balls, such as repairs on your car or home,...
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15 Ways Average Person Can Overcome Increasing And Overwhelming Debt
Before sharing these recommendations, I suggest that you have a
way of tracking your expenses. This will give you a clear
picture of what you spend daily, weekly and/or monthly and aid
you in reducing expenses where needed.
1) Accept the fact you are in debt and forgive yourself. If you
are in denial, you are more likely to repeat the pattern.
2) Reduce monthly expenditures. For example, once the price of
gas increased, our monthly gas costs went from roughly $200 to
approximately $450- 500.00. In an effort to reduce our gas
costs, I stopped taking miniature trips every day. Also, my
husband would drive my car on the weekends because it costs less
in gas.
3) If you're a person that makes several trips to the grocery
store during the month, reduce the number of trips to once a
month except for fresh vegetables. This will reduce the number
of times you have to put gas in the car. Today, it costs more
just to leave the house to get groceries as well as going to
work.
4) With the increasing utility bill, begin making repairs to
your home now such as getting a programmable thermostat and set
it to a certain temperature so that it will automatically come
on. 5) As an option, temporarily get a second job for
supplemental income. If married, this should be the person that
has the ability to generate the most income. I do not recommend
any Multi-level Marketing opportunities.
6) For a single person in debt - if you are off on weekends,
temporarily get a weekend job and put those funds towards the
bills along with your regular income.
7) If you have a cell phone and a regular phone that both have
long distance, re-evaluate having both phones. It can get
expensive to have both with long distance. Maybe you can remove
the regular phone and just use your cell phone if most people
call you on that number. 8) If you are a stay at home mom, in my
opinion the kids should not be going to daycare. This is an
unnecessary expense.
9) Be sensible about your expenditures when it comes to your
children. For example, a six month old baby does not need name
brand clothing. They need to be clothed. Suggest getting into
'mommy group' where you and your friends can swap clothing based
on gender and age. I have a couple of moms that I
swap clothes
with and this saves all of us from having to shop at the store.
10) Grooming expenses for adults: do you really need to get your
nails done every week? Could you put that money towards a bill?
If you are getting your hair done whether it is a weave, perm,
braids or tinting every week - do you need to go to a high end
salon or could you go Great Clips for the same thing? I am not
saying do not pamper yourself; however, as times get tougher
what is the necessity?
11) Maintaining your vehicle is a necessity, but going to a car
wash every week is not. You can wash your car at home.
Re-evaluate how you are spending your money.
12) If you are a person that likes to go out to eat, reduce the
amount of times per month you go out to eat. Begin cooking at
home since you are buying groceries for the month.
13) Entertainment - whether it is going to the movies, bars or
happy hour - these expenses add up. For example going to a
matinee is $7.50 a person (for the two of us is $15.00 before we
even get food, which would cost us another $15.00) do you really
need to see the movie now or could you wait three months and see
it on DVD. Netflix is an option. 14) Add up how much you spend
at a vending machine per week when you are at work if you work
outside the home. Consider taking snacks from home.
15) Health insurance - if you had a job and are using COBRA for
health insurance until you have secured another job, seek an
alternative health insurance to the COBRA payments. I remember
when I first stopped working at the law firm, we utilized COBRA
for almost eighteen months and the price increased two times.
Prior to the second increase, I located a shared insurance plan
and saved us lots of money.
** There has to be some structure during these difficult
economical times. However, these times do not have to be so hard
that you cannot enjoy life.
About the author:
Dr. Taffy Wilkins Wagner is the author of Amazon.com Bestseller
Debt Dilemma. Debt Dilemma is her personal story of how she got
into debt and was able to get out of debt without filing
bankruptcy. If you need help getting your finances in order
email her at taffy@paidoff.net she will help. To purchase Debt
Dilemma go to http://www.paidoff.net.
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| Advertisements Promising Debt Relief May Be Offering Bankruptcy |
| Cautions consumers about ads in newspaper, magazine and telephone directories that offer quick fixes for debt problems. |
| www.ftc.gov |
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| Welcome to Debt Relief International |
| Welcome to the web site of Debt Relief International. |
| www.dri.org.uk |
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| Debt relief steps, your free guide to debt help. |
| Articles on debt relief, and credit management and repair. |
| www.debtsteps.com |
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| Factsheet - Debt Relief Under the Heavily Indebted Poor Countries ... |
| The HIPC Initiative is a comprehensive approach to debt reduction for heavily indebted poor countries pursuing IMF- and World Bank-supported adjustment and ... |
| www.imf.org |
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| Special report: debt relief | Special reports | Guardian Unlimited |
| February 6: A year ago the Guardian set out to track the west's promises of action for Africa on aid, trade, health and debt relief. As G8 finance ministers ... |
| www.guardian.co.uk |
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| Debt Relief Options - Findlaw for the Public - |
| Welcome to Debt Relief Options. This section contains information about the ... To begin, select one of the Debt Relief Options topics from the list below ... |
| bankruptcy.findlaw.com |
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| William Brewer |
| The Brewer Law Firm. William E. Brewer, Jr., Attorney at Law Board Certified Consumer Bankruptcy Specialist. 619 N. Person Street Raleigh, NC 27604 ... |
| www.debtrelief.com |
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| Debt Relief - InCharge Debt Solutions |
| There are many ways to get out of debt, for good, and it may be easier than you think. The first step is knowing your options, the second step is taking ... |
| www.incharge.org |
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| Economic Policy and Debt |
| May 2006, IMF And World Bank Support Cameroon’s Completion Point Under The Enhanced HIPC Initiative And The IMF Immediately Grants 100 Percent Debt Relief ... |
| www.worldbank.org |
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| Economic Policy and Debt - The Enhanced HIPC Initiative |
| The Initiative’s debt-burden thresholds were adjusted downward, which enabled a broader group of countries to qualify for larger volumes of debt relief. ... |
| www.worldbank.org |
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| Debt relief - Wikipedia, the free encyclopedia |
| Debt relief is the partial or total forgiveness of debt, or the slowing or stopping of debt growth, owed by individuals, corporations, or nations. ... |
| en.wikipedia.org |
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| Debt Analyzer, Debt Reduction Software, Home Page |
| Debt Elimination at its best! Potential savings of hundreds or thousands of dollars! Build debt reduction, timed elimination or consolidation schedules. |
| www.debtanalyzer.com |
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| Superior Debt Relief |
| We help you get rid of credit card debt much faster than you may believe possible with credit card debt settlement and negotiation tactics, providing debt ... |
| www.superiordebtrelief.com |
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| Debt Relief - Social and Economic Policy - Global Policy Forum |
| Aid Inflows, Debt Relief Yet to Translate into Reduced Poverty (March 20, 2006) ... Fearing that the IMF could tie debt relief to economic benchmarks, ... |
| www.globalpolicy.org |
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| Debt Relief - Global Policy Forum - Social and Economic Policy |
| Debt Relief - Global Policy Forum - Social and Economic Policy. The Debt Relief Page Has Been Moved to: ... |
| www.globalpolicy.org |
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| BBC NEWS | Business | Q&A: African debt relief |
| BBC News looks at the progress of international debt reduction efforts, and the sticking points which continue to hamper the process. |
| news.bbc.co.uk |
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| Debt Relief Australia - Start Reducing Debt Today! |
| Debt Relief offers Australians in debt assistance with finding the most appropriate debt relief solution. |
| www.debtrelief.com.au |
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| Debt Consolidation Australia, Debt Relief & Bankruptcy Information |
| Specialising in debt agreements, mortgage refinancing and bankruptcy. Company profile, calculators, solutions, media releases, testimonials and existing ... |
| www.foxsymes.com.au |
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| Oxfam - Debt and Aid - Debt Relief for Nicaragua: breaking out of ... |
| Oxfam policy paper on relationship between international debt servicing and poverty. Linked to table of contents and also zipped for download. |
| www.oxfam.org.uk |
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| What debt relief means for Africa | csmonitor.com |
| This weekend's $40 billion debt cancellation deal could spark major improvements in the lives of the world's poorest people. |
| www.csmonitor.com |
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