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A Debt Checklist
A Debt Checklist is the only sensible way to organize and control your finances. Most people aren't actually aware quite how much debt they possess - in fact, a recent survey found that almost 75% of UK adults were up to £5000 out when asked to...
Bad Credit Debt Consolidation and Credit Card Debt Consolidation Tips by www.alifeoutofdebt.com
If you have managed to get yourself into a situation whereby you
have many loans, credit card debt, mortgage, utilities, and
other bills to pay, then think about credit card debt
consolidation. It can be extremely difficult to get yourself
debt...
Cristmas Cheer and a Debt Hangover
Christmas is a time for celebration. A time to spend with family, friends and loved ones. This is a time to savour all that is good in life, to rest, relax and recuperate ready for a new year. Unfortunately Christmas is also a time when people...
Tips To Take Control Of Debt Collection
Debt collection tips can help. You may think you have no power when the debt collector comes calling, but think again! Creditors don't like losing out on the ability to collect money owed them. And most creditors will take steps to settle an...
Why "Mom's" have the Upper Hand in Debt Collection
If you are a mom, you can be a successful bill collector. In my opinion, if you are a mom, you are superwoman and can do anything you set your mind to. Some of the things moms and bill collectors have in common are:
Teaching
Being assertive and...
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Credit Counselling about Debt Reduction By Adam Gilbert
Credit Counselling
Interested in become a credit counsellor and helping free the
captives to the salvery of debt - you know - having to go to
work to pay the ever increasing spirialing debt. Here is some
wisdom to share with your friends: -
Debt Management
A world run on credit is what we are witnessing. The US
government took a couple of hundred years to accumulate the
first trillion dollars of debt. Now it is only a matter of a few
years and another trillion is added to the national debt.
This is a serious issue. It is due to the 'open circle'
mentality that pervades modern day society. We don't like
limits, restrictions and boundaries. Most people live to the
limits not of their income but the limits of their multiple
credit cards, their large credit lines on their houses, store
cards, car leases, personal loans etc etc...
Being a psychologist I witness this over extension of the limits
not only with our money but with our time as well. Generally we
are a society where we break our budgets for both time and money
which has a devastating effect on our social lives, our family
lives and our spiritual and emotional well being.
There is an interesting scripture in Matthew 5 (a chapter in the
Bible) and it states that 'The meek shall inherit the earth'.
What does meek mean? It basically means to live within the
limits. To schedule what your time with some margin left. To
budget with some margin. This means you have some resources not
only for your own peace of mind but so you have the time and
money to help others.
A Credit counselling debt solution:
Make a list of all debts and list them smallest to largest.
Apply 5-10% of household income and then adding that amount to
the lowest debt.
Once the debt is paid then take this extra amount as well as the
previous minimum payment and apply that to the next debt on the
list.
Continue to apply this strategy to every debt on the
list.Within
5-9 years you will be able to eliminate every debt including
your house mortgage.
The other possibility to is to refinance your smaller debts with
the equity from your house or your investment property.
However if you choose to do this then you need to ensure that
you take the minimum payment you used to pay on the debt you
consolidated and pay that off your mortgage.
You will also need accountability partners so here are a few
pages off my site http://www.creditcounselling247.com where you
may be able to find someone
So I hope you will join me and become debt free. I want to be
totally debt free within the next few years. Why? Well imagine
the good we can do if we apply those interest payments that were
lining the coffers of the banks and give them to charity
(http://www.mannarelief.org - is my faviourite - watch this
space for what they are doing with the aids orphans in Uganda!!
Or simply check their site out!!)
I have a very successful home business. For people who have
found themselves in debt Network Marketing is one of the easiet,
most cost effective ways to get involved in business. This is
also another way in which you can accelerate your debt reduction
is simply to earn more income above your normal current income
and apply that not to your lifestyle but to your debt reduction.
Check out my new site www.networkmarketingconsultant.com to
learn more about this business. Or subscribe to my ezine at
http://www.homebasedwellnessbusiness.com/nexttrillion.html to
learn about the 5 principles you need to find in a business in
order to be successful.
© Wellness Corp Pty Ltd - If you wish to reproduce this article
on your site you can do so as long as you include my link to
http://www.networkmarketingconsultant.com
About the author:
Adam retired at the age of 31 from full time employment. He now
is finanically independent and is coaching others on how they
can retire young as well.
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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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