Monthly Archive: February 2016

Do you find yourself buried by too much debt?

Do you think sending the minimum will take you anywhere?

We can help you reduce your payments by up to 50% Debt Consolidation is not a loan. We work with your creditors to reduce your interest and your monthly payments, that’s how you save money. When you consolidate you only have one low monthly payment.

Our counselors have settled millions of dollars in consumer counseling , paying back their creditors, while saving them thousands of dollars in interest charges. Our program is the solution. We will show you how to control your finances. We can help you end that cycle.


Consolidation??? You might now be wondering about consolidation. “But I owe my creditors thousands of dollars – there can’t be anyone worse off than me!” You’re not alone! Some of our clients consolidate from loans and credit cards with balances as high as $200,000.

euro-888439_640Have your bills have reached a point where you are feeling forced into a never ending cycle of incurring more and more credit card payments just to keep your family living from day to day? Also, as all these easy credit card offers arrive in your mailbox, are you beginning to wonder if there is a way that any working person can ever find financial security? All this mounting payments can easily rob you of joy and comfort, you will find that it can overwhelm your family, and can even damage your ability to try and enjoy even the simplest pleasures of life.

Credit Cards are under a revolving credit payment plan. They are designed to keep you in debt, resulting in your paying an extraordinary amount of interest while trying to pay them off. Under these circumstances, most people will end up paying between 15 and 30 or more years. This means they will usually pay out 5 to 6 times what they originally borrowed. By changing from a revolving to a fixed payment plan, along with a lower interest rate, most of the money is applied to your principal balances instead of just paying finance charges each month, reducing your total payout term to 3 to 6 years.

Borrowing money to pay back borrowed money is economic suicide. If you are able to qualify for an unsecured loan to pay off your unsecured bills (most people do not) you are basically borrowing from Peter to pay Paul. If you take out a secured loan such as a home equity or second mortgage, you are attaching your current unsecured bills to something of value such as your home. The average interest rate in the program is 6 to 8 percent, which is usually less than most loans today.

Save your money without paying debt

Wherever you may be financial, obtaining ahead will want it’s on the far side reach. Current bills will appear to bolt down virtually everything. Sudden ones appear to occur whenever you’ve got slightly additional money. Chances are, you discover it tough to try to do something as a result of you do not grasp wherever to start out. Relax. Plenty of individuals are in your state of affairs. What you would like to try to do is set about to the matters at hand and came upon an idea of action. Pay all without any delay. With slight self-discipline and a few faiths in yourself, your financial image will probably be modified for the higher in concerning six months.

Steps that need to be followed to get out of debt:


  • Savings and paying debts:

What must you do first? Cut back your debt or begin saving? The subsequent three-part strategy might assist your management your income, pay off your debt, and encourage saving thus you’ll be able to handle the sudden expenses that will have gotten you into debt in the 1st place. In time, you will be able to invest. However 1st you’ve got to understand what you owe and what you are spending.

  • Stop taking new debt:

The foremost vital issue is to start out currently. Don’t begin tomorrow. Don’t begin next week. Begin effort your debt currently. Acknowledge the matter. The primary step is admitting you’ve got a haul. Admitting that may is no one faulting however yours can be tough? However, it’s important. Tell yourself the explanation you’re in debt is as a result of this you retain on shopping for belongings you cannot afford. You retain borrowing from your future. Stop spending money you haven’t created yet. Stop borrowing from your future.

  • Stop paying:

If you’re in debt, the primary issue you would like to try and do is destroying your credit cards. Credit cards don’t facilitate. They solely build the matter larger. Once you get eliminate them, you will not miss them.

  • Build an adjustment:

Spend your cash on what’s necessary like grocery, utility bills, gas, etc. Investigate your monthly payment and reduce on some things. Like stop consumption out, Print out coupons from the web before about to grocery looking. You’ll be surprised what quantity you’ll save monthly if watch yourself closely.

  • Establish an emergency fund:

It’s vital to possess to a small degree little bit of cash concentrated before paying off your debts. Open a saving account for an emergency fund and begin an automatic fund transfer from your checking to your saving account. What quantity must you save? Don’t tie your emergency fund to an open-end credit. Don’t sabotage your efforts by creating it simple to pay the money on non-essentials. Once an emergency arises, you’ll be able to transfer the money simply to your regular bank account. It’ll be there after you want it. However, you won’t be able to pay it ad lib.

  • Order your debts from low balance to high balance.
  • Designate an exact quantity of cash to pay debts every month.
  • Pay the minimum payment on all debts aside from the one with all-time low balance.
  • Throw each alternative penny at the debt with all-time low balance. Once that debt is gone, don’t alter the monthly quantity accustomed pay debts, however, throw all you’ll be able to at the debt with the next-lowest balance. Notice larger cuts.




Money is very essential for everyone. It is the key to fulfilling all the necessities. Without money, one can’t survive in the society. Making money is one of the difficult tasks but along with making the money, save this money for future need is also necessary. The sense of making and saving money makes the man wealthier. There are many ways to make and save money.


There are many ways to make money for a normal person, but every way need struggle. Some ways are


Doing a part-time job is the best way to earn money if you have spare time other than your study time. Part time job can be of any type depending upon your field and interests e.g. evening tuitions.


You can make money by marketing your old used course books, but it is suitable only when your used books are not of any interest in your future otherwise, they should not be sold.


Money can be earned by getting benefit from your education. Education is a thing that can never be wasted. One can use his education to make money by becoming a tutor who is a very best option.


God has gifted everyone with different skills. The important thing is to recognize these skills and use them for self-benefit. If you have the skills of dancing, singing, acting, creative writings, painting, etc. then all these things will give best options to earn money.


There are so many websites that offer you to make money by different procedures. They may include online surveys, paid for searching the webs, review websites, and apps, etc.


Many competitions are held time to time in which a large number of people take part and earn money by winning the competition. These competitions may be of any level i.e. from schools level to international level. It all depends upon your skills. Courage and determination.


Money can be earned by becoming a part of any NGO or any charity based trust and work for them by collecting charities and funds. This task is quite difficult, and one should be very calm to do this because sometimes this thing hesitates a lot.


Saving money is much more important than earning it. There are also many ways and tips to save the money.

  • Make a monthly plan of your expenses and make a budget. Limit your expenses according to your plan and control yourself while spending the money.
  • Set your goals for savings. Your expenses must be less than your monthly income so that you can able to save some of your income every month.
  • You should set your priorities for expenses. First of all, you should fulfill your basic requirements, and the luxuries must put at least priority.
  • Avoid any debt so that your budget must not disturb. Taking loans from banks effects the budget because of the interests. Avoid this as much as possible.
  • Limit your expenses by turning off the electronic appliances that are not in use e.g. turn off your television when nobody is there to watch it and turn off the extra lights.
  • During shopping, you should not buy the very expensive things. Save money by buying things in a large amount or from the same shop.
  • Save your monthly savings in your bank account so that there will least chances to spend the save money.

How to get out of debt?

To get out of debt, you would like a concept, and you would like to execute that setup. However which will be easier aforesaid than done. It’s straightforward to become overcome with all the steps you would like to require. And it’s conjointly straightforward to lose motivation if you don’t understand what proportion progress you’ve already created.


Many people tell that they might like to pay down their debt or get eliminate it altogether. However, they aren’t quite certain of the most effective thanks to lying with or wherever to start out. There isn’t anybody “best way” that works absolutely for everybody.

If you are swimming in debt and don’t shrewdness, you’re ever progressing to pay it off? You’re not alone. In fact, the common U.S. home hold has quite $15,000 in credit card debt. To get out of debt, you wish an inspiration, and you wish to execute that setup. However which will be easier for same than done. It’s straightforward to become inundated with all the steps you wish to require. And it’s conjointly straightforward to lose motivation if you don’t notice what quantity progress you’ve already created.

Basic steps to get out of debt;

  • Make an aware call to prevent borrowing cash:

If you wish to induce out of debt quick, you have got to prevent exploitation debt to fund your lifestyle. This suggests not doing a lot of funding piece of furniture, not using a lot of sign language up for credit cards, no more test at driving innovative cars that you simply don’t have the money to get.


  • Create a sensible budget and stick with it:

Developing a budget that tracks your financial gain and your expenses is crucial to obtaining out of debt in a very short amount of your time. It’ll assist you to gauge wherever you’re along with your finances so you’ll be able to move forward toward your goal. It’ll expose whether or not you have got cash left over, that is named a surplus, or if you’re within the negative, that is named a deficit.

  • Arrangement of your debt

This is predominant to mapping out an idea to pay off your debt. There are two approaches that value considering. The primary is wherever you list your debts smallest to largest notwithstanding the rate.

  • Pay over the Minimum

Make sure that you simply continuously pay over your minimum payments. If you merely build your minimum MasterCard payments every month, it will take forever to pay off your balance.