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A Simple California Debt Consolidation Loan Can Save You Money Immediately, And Even Stop Foreclosure
Many people contact us when they are 30, 60 and 90 days in their mortgage payments. If they are this late with their house payment they are generally behind with the car and have several credits cards that are maxed out. A simple debt...
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 consolidation loans for bad credit to delay the further worsening of credit
The importance of debt consolidation loans can be best understood by people who are suffering with bad credit history. Debt consolidation loans for people with bad credit provides a manner in which they can prevent their financial condition and...
Understanding how a Debt Consolidation Program works
You have finally decided that you need help with your debt and you have made a great decision to take a load off your shoulders. Debt is so stressful that it can even affect our health and certainly our enjoyment of our daily life. Understanding...
What can debt reduction companies do for you?
Getting help from debt reduction companies is one of the best
ways if you cannot handle your debts. But there are several
peoples who don't know what can debt reduction companies do for
you? Debt reduction companies are proven authorities in...
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5 Simple Tips For Getting Out Of Debt In 2006!
Is credit card debt driving you crazy? Spent too much this
holiday season?
Well, you're definitely not alone. Credit card debt is a way of
life these days. Especially now, right after the holidays!
For many people, money gets REAL tight this time of year - we
need to pay for all the holiday gifts, get ready for tax
season...
Ahhhh!
What can you do if debt has taken over your life?
Make getting out of debt your New Year's Resolution for 2006!
Here are 5 simple tips for getting out of debt. Keeping a New
Year's Resolution is difficult. But if you follow these tips,
you'll be prepared for a prosperous 2006!
1) Write down your goal and make a plan for achieving it! The
first step to getting out of debt is by far the most important -
you need to:
* make a commitment to get out of debt * write it down * and
come up with a plan for reaching it!
Hey, you didn't get into debt overnight, and you won't get out
overnight, either. But if you want to get out of debt - if you
REALLY want to get out of debt, you need to have a plan. And you
need to stick with it.
2) Seriously consider using a debt reduction program If you have
the discipline to get out of debt on your own, without any help,
then good for you! But if you're like most people, a little help
will go a long way. Here are a few debt reduction programs to
consider:
* Credit counseling: If you have high interest rates on your
credit cards, working with a non-profit company will help you
lower those high rates, and combine your credit card bills into
one lower monthly payment - which means more of your money will
go towards reducing your debt!
* Debt consolidation loan: If you own a home, you can consider
taking out a home equity loan to pay off all your credit card
bills, lower you interest rates, and possibly deduct the
interest on your taxes (but check with your tax professional on
this one).
* Debt settlement: If nothing else is working, and your debt is
still overwhelming, then you should consider debt settlement.
This is a more aggressive approach, and is not right for
everyone, but if you're considering bankruptcy, this is a good
option. You can pay off all your credit card bills at a savings
of 40-60%, and get out of debt much quicker.
3) Start fixing your credit problems Many people think that
anything that goes on your credit report stays there for 7
years. Well, that's not always true. I got a bunch of negative
credit items off my credit report - all I did was get a copy of
my credit report, and ask the credit bureaus to remove the "bad
stuff". In just a few
months, my credit was almost back to
normal. There's nothing that says we must pay for our mistakes
forever (or even for 7 years)!
4) Cut down your monthly expenses If you overdid the spending in
2005, then it's time to cut out all the expenses you don't need,
and use the money you save to pay off your credit card bills.
Take a look at your checking and savings account statements,
your credit card statements, and your monthly bills. Then start
looking for things to cut. I know, I know, it's hard to live
without cable TV, cell phones, internet access, the morning
paper, weekend dinners and entertainment. BUT DO IT ANYWAY - at
least until you get your debt back under control!
5) Make some extra spending money Sometimes making more money is
the best answer! There are lots of ways to make money - selling
some of your valuables, getting a part-time job, starting your
own business. Despite some of the ads you read, there's no
really secret to making money - you just need to find something
you like to do, and work hard at it!
6) Think positive! OK, there were only supposed to be 5 tips,
but this one is the best one - no matter how hard life can get,
no matter how much debt you have, the one thing in life you can
control the most is how you think. So rather than focusing on
what you don't have, be thankful for all that you do have.
Nobody dies wishing they had made more money or worked longer.
But many people do regret all the fun and meaningful things THEY
DID NOT DO! So make some time to have fun, think positive, and
find little ways to enjoy life EVERY SINGLE DAY you are here on
plant Earth!
Wondering what makes me an expert on debt? Well, I lived through
it. I know what it feels like to struggle. And I know what it
feels like to overcome financial problems. There's nothing
special about me. I work at a college, so I don't make a heck of
a lot of money. I didn't win the lottery. And no rich relatives
left me a pile of money.
I just learned a few simple strategies - actually, I learned the
5 tips you just read about - and stuck with them until my life
changed for the better.
And you can, too - just follow the tips above, believe in
yourself, and DON'T LET ANYONE OR ANYTHING STOP YOU FROM
REACHING YOUR GOALS in life!
About the author:
Kris Bickell is the owner of http://www.Debt-Tips.com, a helpful
site for consumers struggling with credit card debt. For more
tips on getting out of debt, repairing your credit, saving
money, and making extra money online, sign up for the free
course "5 Simple Tips For Getting Out Of Debt Faster & Saving A
Ton Of Money!" at: http://www.Debt-Tips.com/.
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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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