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Debt and Debt Consolidation Articles
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- Tips To Minimize Your Grocery Expenses - by Submitted on Mar 04, 2013 from Samantha SeiffertBudgeting is one of the key aspects in proper financial management. It does not matter if you were forced to budget because of your debt or a looming purchase that requires a huge amount of savings. Financial management is important to make sure you have a healthy household wealth. Part of ...
Views: 1564(1 vote) - The Benefits Of Bringing A Brown Bag To Work - by Submitted on Mar 04, 2013 from Samantha SeiffertThat brown bag seems like too much of a chore but if you are currently tight in cash, you may want to reconsider. When you eat out, you do not only spend more, you are also usually rushed as you compress the actual meal time and the travel to and from the dining spot. You should also consider ...
Views: 1847 - 3 Debt Negotiation Tips To Ensure Debt Freedom - by Submitted on Mar 01, 2013 from Samantha SeiffertGetting out of debt is undoubtedly the hardest thing that you will ever encounter. The road towards debt freedom is filled with frustrations, discouragements and temptations. Having to squeeze all your expenses to fit your limited budget is no easy feat and this is why a lot of people opt to ...
Views: 1513 - Reducing Liability - by Submitted on Feb 19, 2013 from maryellen digiacomoToday there are approximately 26.5 million small businesses in the United States – and over 92% of these businesses leverage personal credit and business credit in their business. Investment capital and trade credit is the lifeblood of a business and as a result small businesses are dependent on ...
Views: 1027(2 votes) - How To Rebuild Your Life After Debt - by Submitted on Feb 18, 2013 from Samantha SeiffertGetting out of debt is an ordeal that not everyone can actually complete. It is riddled with frustrating moments, strength draining efforts and a various temptations that can really put some stress into your debt relief program. But if you stay true to the whole plan, you may just find ...
Views: 1959(1 vote) - Why People Pay Taxes While They're Able To Merely Create Money Out of Thin Air - by Submitted on Feb 17, 2013 from Takeshi YashimaI find extremely interesting post asking following question on my wall in facebook. That's, "Why People Pay Taxes While they can Simply print money out of thin air?" This is very great point... Everyone, I am talking about everybody have to at the very least look at the reason why this ...
Views: 1274 - An Analytic Discussion on the Chief Reasons behind the Credit Card Debts - by Submitted on Feb 16, 2013 from Tom ClarkThe solution of the problem of the credit card debts and how you can get a relief from this problem eventually takes you to the core of the matter. Indeed, if you just paid off your debts but do not try to find out that how you have come into this position, you too will be ending up in the same ...
Views: 1209 - Budget Problems? How to Make Sure Your Budget Works - by Submitted on Feb 12, 2013 from Samantha SeiffertFinancial freedom is attained if you can implement proper financial management. In relation to that, proper management can be done through effective budgeting. So if you want to achieve financial freedom, you need to make sure that your budget works. Unfortunately, not everyone is successful ...
Views: 1842(2 votes) - Is There Such a Thing as Good Debts? - by Submitted on Feb 11, 2013 from Samantha SeiffertHave you ever heard the phrase “good debt”? Is there such a thing? If you ask anyone who had been in debt, there is no good debt. On that note, there is no bad debt either. What you have is a credit obligation that can turn for the worse depending on how you respond to it. Debt is just debt. ...
Views: 1430(1 vote) - Financial Management Habits to Keep You from Debt - by Submitted on Feb 11, 2013 from Samantha SeiffertIf you want to stay out of debt, all you need to do is to practice some financial management skills. The bottom line of managing your finances is to help you live within your means. Given the debts being acquired left and right, this is a necessary lifestyle to have. But the question is, what ...
Views: 1840(2 votes) - How to Deal with a Maxed Out Credit Card - by Submitted on Feb 11, 2013 from Samantha SeiffertCredit card debt is very easy to fall into. The allure of being able to acquire things and services despite lacking the physical money to pay for it is very strong. This is why a lot of people usually end up maxing out their cards. When you have maxed out your cards, this means you reached ...
Views: 1810(1 vote) - Use Your Mind as a Debt Relief Tool - by Submitted on Feb 04, 2013 from Samantha SeiffertHave you heard about the laws of attraction? For someone who is deep in debt and is desperately trying to get out, you may want to believe just about anything that you read. Well here is one concept that you may want to wrap your head around to - the power of the mind. Not everyone practices ...
Views: 1389(1 vote) - Help Your Small Business Get Out of Debt - by Submitted on Feb 04, 2013 from Samantha SeiffertGetting your small business out of debt requires a lot of planning, work and possibly significant changes in your company. For some entrepreneurs, they think that the only way for them to get out of debt is to immediately file for bankruptcy. But before you do that, your business may be worth ...
Views: 1624(2 votes) - Don’t Let Bankruptcy Ruin You: Just Grow Your Income - by Submitted on Feb 04, 2013 from Samantha SeiffertBankruptcy is a feared word and situation for people in debt because it has the power to leave your financial life in ruins afterwards. The state of your credit score alone should be enough to scare you to your wits and take you running towards the other direction. Before we proceed, we need ...
Views: 1431(1 vote) - Dealing with Debt Desperation - by Submitted on Feb 04, 2013 from Samantha SeiffertOne of the greatest enemies that you have to overcome while in debt is yourself. There are many issues to address like your spending habits, financial management skills and most of the time, your overall lifestyle. Dealing with debt can be a painful and frustrating experience that requires ...
Views: 1411(1 vote) - What To Expect From Debt Consolidation - by Submitted on Feb 01, 2013 from Neha GuptaPeople face financial crisis at times, due to many reasons like job loss, long illness, and simply because of over indulging. In this sour financial phase, many people have find the need to take help of debt consolidation counseling to save from major consequences. For mounting debts, ...
Views: 1071 - A Triip Qualified Plan Can Go A Long Way To Reducing Retirement’s Uncertainties - by Submitted on Jan 30, 2013 from Tori BoechnerBy Mark Stevens Entering retirement is like entering the great unknown. It’s both a little exciting, as well as a little disconcerting. There are so many questions that are virtually impossible to answer… How much money will I need? Do I have enough? How much is health care going to cost? ...
Views: 1303 - What To Do After Achieving Debt Freedom? - by Submitted on Jan 30, 2013 from Samantha SeiffertDebt freedom is a component of financial freedom. This is a time when you have paid off all your debts that has haunted you for a long time. This is a great achievement that did not come easy and you would want to keep it that way. After you have paid off your debts, you still need to exercise ...
Views: 1394 - Abundance and Frugality: Should You Earn More or Lower Your Spending? - by Submitted on Jan 29, 2013 from Samantha SeiffertWhen you have to pay off your debts, you have a decision before you: do you earn more or do you lower your spending? Both of these choices have their own pros and cons. Ultimately, your choice will depend on what you are willing to sacrifice. Earning more will help you keep the lifestyle that ...
Views: 1428(1 vote) - Small Business Debt: Know Your Debt Relief Options - by Submitted on Jan 24, 2013 from Samantha SeiffertPutting up a business can be a huge gamble. You have to be very careful because you could lose the investment that you shelled out for it. Having a small business entails a huge responsibility. It can get a bit stressful - especially when you are just starting. That is also true when your ...
Views: 1221(1 vote) - Must-Have Habits While in a Debt Relief Program - by Submitted on Jan 22, 2013 from Samantha SeiffertApplying for a debt relief program is a great way to start heading towards a debt free life. However, that is only half the battle. You will encounter a lot of realizations as you go deeper into your debt relief efforts. Most of these will involve changing a few habits that will get you out of ...
Views: 1227 - How Will You Benefit From Credit Score Monitoring? - by Submitted on Jan 21, 2013 from Samantha SeiffertDid you know that monitoring your credit score can help you avoid financial problems in the future? In the same way that a temperature can help identify if you are sick or not, your credit score measures the health of your finances. So if you are in the process of repairing your financial ...
Views: 1611 - How to Manage Debt Payments When You Are Short in Cash - by Submitted on Jan 15, 2013 from Samantha SeiffertDebt is a frustrating situation to be in - especially when you can barely make ends meet and you still have to worry about paying your credit. At the back of your mind, you know that it is your responsibility to pay them off even if you have no money to do so. So what do you do when you have ...
Views: 1474 - Bad Debt Consolidation – An Advice to Make Your Life Debt Free - by Submitted on Jan 19, 2013 from Devid PitersionWith the recent economic problems, it has been a national issue when companies and individuals started going bankrupt. Although Australia’s economy is not as downtrodden compared to Europe and America, some people in the country still experienced the effects of the financial crisis. I you have ...
Views: 927 - Using Your Debt as a Fuel for Success - by Submitted on Jan 14, 2013 from Samantha SeiffertAnyone who had been in debt can attest to how devastating it can be. Not only does it paint a picture of financial failure, it also shows the world just how incapable you are of handling your own money. Or does it? More specifically, the question is, will you allow it to portray you that ...
Views: 1184(1 vote) - How Debt Should Not Stunt Personal Growth - by Submitted on Jan 14, 2013 from Samantha SeiffertIf there is anything that the recent recession taught us, it is the fact that money is not the main marker for happiness, even though it does have a hand in helping us grow. It is true that personal growth is quite important for anyone who wants to enjoy life. You all heard it before, how ...
Views: 1244(2 votes) - What Your Kids Need to Learn About Debt - by Submitted on Jan 14, 2013 from Samantha SeiffertMoney had always been a sensitive topic. It is also a crucial lesson that you need to teach your children. So if you are deep in debt, you need to clue in your children on the real situation of your finances. There is nothing wrong with being honest with your kids about financial matters. ...
Views: 1537(3 votes) - Debt Consolidation Loan - To Help You - by Submitted on Jan 14, 2013 from Devid PitersionIf you are currently faced with financial problems involving repaying your debt, you have to be aware that you are actually not alone. In fact, majority of the population in the country today is confronting the same financial dilemma as a result of the economic crisis. Although you might feel ...
Views: 1059 - How Should You Choose Perfect Credit Debt Consolidation? - by Submitted on Jan 11, 2013 from Devid PitersionThe process of debt consolidation involves hiring legal financial attorneys who will assist you in managing unsettled debt payments. They can also guide you in proper income management especially now that the recession has affected the salary range of almost every working class in the country. ...
Views: 1202 - Don't Let Unpaid Debts Get Out Of Control - by Submitted on Jan 09, 2013 from Patrick ThompsonA professional debt collection agency is available for certain business accounts that remain uncollected. A company may extend credit in order to bring in customers and to provide a customer service for those wanting to use credit. Using credit for certain customers may be appropriate in various ...
Views: 1023 - How to Use the Snowball Method to Achieve a Debt Free Life - by Submitted on Jan 08, 2013 from Samantha SeiffertDebt relief options vary and your choice will depend on your financial capabilities. As effective as they all are, you need to understand that most of them are suited for people who are in a real financial crisis. There are consequences to your credit score and if you do not want that on your ...
Views: 1361 - Hosted PBX – How an IVR can help your Business - by Submitted on Jan 03, 2013 from david clarksonIVR or Interactive Voice Response is a telephony technology that is used mainly by businesses to filter calls, greet customers and many more. However did you know that the same technology can be used in a more clever and efficient way with a hosted PBX? Hosted PBX systems are known for the ...
Views: 968(1 vote) - Women in Debt: Creating a Household Budget Despite Your Debts - by Submitted on Jan 02, 2013 from Samantha SeiffertAs the woman of the house, the task of managing the household budget falls on your shoulders. It is not an easy task especially when the children are asking for something that you know the budget cannot afford. Juggling the bills payments, food, lodging and other expenses can be quite a ...
Views: 1199(1 vote) - Why Financial Freedom is a Team Effort - by Submitted on Jan 02, 2013 from Samantha SeiffertHave you ever struggled to accept the debts of a spouse or a family member? With the onslaught of financial problems during the recession, a lot of marriages failed and families were permanently destroyed because of debt. It is quite unfair that the whole family has to suffer just because your ...
Views: 1259(1 vote) - How to Plan Your Debt Reduction Strategy - by Submitted on Jan 02, 2013 from Samantha SeiffertCreating a debt reduction strategy is not really difficult but it is important in ensuring debt relief success. Since the real challenge is in implementing your strategy, you have to set yourself up by making sure the plan you will create is doable and is the best way towards financial ...
Views: 1216(1 vote) - Go On A Debt Diet to Achieve Financial Freedom - by Submitted on Jan 02, 2013 from Samantha SeiffertIf you want to achieve financial freedom, you may want to adapt the same principles as getting your ideal weight. If you think about it, they are both hard, require discipline and a lifestyle makeover to maintain a debt free life. When you go on a debt diet, you need to decide for yourself ...
Views: 1256(1 vote) - How to Recession Proof Your Family - by Submitted on Dec 29, 2012 from Knox Bates III"Happy New Year 2013" New Years Resolution How to Recession Proof your Family! Are all the gloomy financial forecasts depressing you? Do you really want to ignore all of the negativity but you're concerned about what may happen if you do? Well you can't ignore reality, but you can ...
Views: 2001(2 votes) - Lifestyle Inflation? Yeah, I'm Guilty. - by Submitted on Dec 25, 2012 from Anthony MazzocchiSome how, some way, I got roped into the whole pursuit of stuff, status, and happiness thing. That is really embarrassing to say, but hey...I said it. As is the case with our entire culture, at some point in my life (it was around 26 years of age) my focus went from trying to get better stuff ...
Views: 1384 - How to Consolidate Your Debt Without Getting a Loan - by Submitted on Dec 21, 2012 from Samantha SeiffertIf you like the idea of consolidating debts to make payments easier but you do not like the idea of getting a loan, you don’t have to throw out this option just yet. There are effective ways to get out of debt through consolidation without the need for a new loan. While it may work for some ...
Views: 1688 - Debt Consolidation - Why to Go for a Debt Consolidation Loan - by Submitted on Dec 20, 2012 from Robin smith smithThis debt consolidation is that type of service which will allow a person to take a debt consolidation loan at a low rate of interest, so that the accumulative best can be paid off by the person. This is an excellent option for those people who want to get away of their respective debts. A debt ...
Views: 1224(1 vote) - Work from Home Ideas for Women: Increase Your Income for Debt Payments - by Submitted on Dec 13, 2012 from Samantha SeiffertMost of the success stories that you will read about households getting out of debt involves an effort from both husband and wife. If you notice, not all of them have a regular job. In more than one scenario, women stayed at home while their spouse goes to the office to earn enough income to pay ...
Views: 2302 - Make Sure Debt Consolidation Will Work: It’s All Up To You! - by Submitted on Dec 13, 2012 from Samantha SeiffertDebt consolidation is a proven effective debt solution for some consumers. The program itself is effective - but only if you learn your lesson. When you opt for a debt consolidation program or loan, your debts will be combined into one through a single payment program. That can mean you have ...
Views: 2776 - Avoid Making Unrealistic Goals to Achieve Debt Relief Success - by Submitted on Dec 12, 2012 from Samantha SeiffertDebt relief companies are commonly criticized for showing over-the-top results but failing to deliver results. The statistics show that success for a lot of debt solutions is not as admirable as they are advertised. A lot of consumers enrol in a program but after a couple of months, they end up ...
Views: 1191 - How to Pick Up the Pieces After Debt Settlement - by Submitted on Dec 12, 2012 from Samantha SeiffertDebt settlement is one of the debt relief options that will get you out of debt fast. It will take between 24 - 48 months to complete a program and after that, you will find yourself free from debt - or at least have a significant amount of that closed. Everyone going through any form of debt ...
Views: 1029 - Settling Your Own Credit Card Debt - by Submitted on Dec 11, 2012 from Samantha SeiffertWhile it is advised that you enlist the help of a professional, debt settlement is something that you can accomplish on your own. If you wish to go about the whole process by yourself, you need to understand every step involved. The goal of debt settlement is to negotiate with your creditors ...
Views: 901 - Read This Before You Use Loans To Pay Your Debts - by Submitted on Dec 10, 2012 from Samantha SeiffertGetting a debt consolidation loan to pay off your credit obligations may seem like a good idea but before you pursue that path, you need to lean a couple of things first. All forms of debt relief in general will require a specific financial situation before you can really say that it is the ...
Views: 878 - Good Debt, Bad Debt? It’s All in the Relationship! - by Submitted on Dec 10, 2012 from Kathleen HanaganWays to Change Your Relationship with Debt You have heard me speak about the need for greater intimacy in your relationship with money, if you are to create a life of abundance. In this article, I specifically include your relationship with debt, which is often tainted due to popular shaming ...
Views: 892 - Debt Consolidation Loan - Merge Your All Debt Into One Loan - by Submitted on Dec 10, 2012 from Devid PitersionAustralia has been relatively lucky to have escaped the economic troubles that have troubled other countries. However, there have still been a lot of bankruptcies among small businesses and individuals who had taken loans. The change in the economic situation left many people with interest ...
Views: 998 - On Making a Debt Management Plan Successful - by Submitted on Dec 09, 2012 from Samantha SeiffertThere are many forms of debt relief and one of them involves making a debt management plan. Sometimes referred to as a DMP, it aims to aid consumers in paying off their credit obligations through a debt consolidation program. While the success of your debt relief effort depends on how you ...
Views: 832 - What Causes Credit Card Debt? - by Submitted on Dec 09, 2012 from Samantha SeiffertAs you are on the road to financial recovery, paying off debts is usually the focus of your plans. However, to effectively eliminate your debts and make sure you never land on the same situation again, you have to address the different reasons why you got there in the first place. In truth, ...
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