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Consolidating Debt & Debt Reduction Without Owning A Home
You have two options to consolidate and reduce your debt if you
don't own a home. First, you can use the services of a debt
consolidation agency. They will negotiate lower interest rates
and smaller payments. The other option is to take out a...
Debt Reduction Solutions
Finding solutions to reducing your debt takes some thinking and research on your part. You have some good choices available to you and we shall list these key debt reduction solutions for you right here:
1. Home Equity Loan or Home Equity Line...
Debt Settlement Vs. Debt Consolidation
Debt settlement and debt consolidation both offer ways of
reducing your debt. Debt settlement eliminates part of your
loans, while debt consolidation reduces interest rates. Even
though debt consolidation has the least impact on your...
Getting Out and Staying Out of Credit Card Debt
Credit card debt is a major cause of over one million
bankruptcies each year. The reason is that many people get a
credit card without researching and reading the fine print. By
the time annual fees are added on, along with...
Three Keys For Getting Out Of Debt
Getting out of debt gives you a euphoric feeling, it's absolutely liberating. It's a feeling you want with all your heart. The good news is, with the three principles outlined in this article, you can turn yourself in the direction of financial...
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Credit Card Debt
If you can't sleep at night because of credit card debt worries,
you're not alone. Many people get in over their heads charging
things they think they can't live without.
You don't need to cut up all of your credit cards. Save your
major bank cards, but stop charging needless temptations on
them. You need a couple of major bank credit cards to maintain
or build strong credit scores.
The credit cards you should cut up, department store credit
cards, cost you too much in interest. Plus, these types of
credit cards lower your credit scores. When mortgage lenders
compute your credit worthiness for real estate financing, they
deduct points for unfavorable department store credit lines.
Here are a few things you shouldn't charge on your credit cards:
1. Gasoline. Why charge something that gets burned up before you
pay for it? Think about how much per gallon you pay when you pay
interest.
2. Food. Many people use their credit cards to purchase
groceries that they pay for over the next year or longer. Also,
because it's so easy to pay with plastic, they buy extravagant
and unneeded items. What's more important--junk food or a good
night's sleep?
3.
Clothes. Think before you buy clothes on credit. Don't charge
clothes on your credit cards unless you can pay them off right
away. Children's clothes wear out or they outgrow them before
you've paid off the credit card debt.
4. Utilities. Because it's so easy to pay utilities with an
automatic credit card charge, many people end up paying for
their air conditioning when they're heating their homes. Put
your automatic utility payments on your debit card instead.
5. Automatic services. Examine your next credit card statement.
Total up items like cable or satellite TV, Internet services, an
other automatic monthly charges. Can you pay these charges off
each month or are you getting behind?
Make your life easier. Stop charging consumables and monitor
your credit card debt. You'll improve your credit scores and
sleep well.
Copyright © Jeanette J. Fisher
About the author:
Jeanette Fisher teaches how to get out from under credit card
debt, how to use credit to make money, and six ways to build
strong credit to finance your first home and multiple investment
properties. For a free ebook "Credit Tips for Mortgage
Financing," see http://worryfreecredit.com/
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| Welcome to Debt Relief International |
| Welcome to the web site of Debt Relief International. |
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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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| William Brewer |
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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 ... |
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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. ... |
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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 |
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| 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. |
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| Debt Consolidation Australia, Debt Relief & Bankruptcy Information |
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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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