Ways to Attack your Debt Woes

By Paul J. Easton

When attacking the problem of debt, you should always begin with the need to discipline yourself not to use your credit cards. Only buy the much needed things with cash. By putting yourself on a buy as needed policy, you will certainly eliminate a large portion, if not totally, of your debt.

It certainly won't be easy to get rid of debt. As a guide to help you, we will present simple tips to help you free up cash with lifestyle changes. Stop spending more money on nonessential buys. For now, there will be no more new clothing, shoes, and costly gifts on your must-buy list. Add to that the CDs, toys, and other accessories until you pay off the credit card debts.

I should have mentioned this on the first part, stop using your credit cards. You can resist temptation by making your credit cards difficult to use. Put it on some place you cannot easily have access to. If you cannot do this simple tactic, try cutting your plastics up all together.

Suspend all your future plans for a travel or a pricey entertainment. You can certainly have a cheaper yet fun version without incurring further debts. When you finally get rid of the debt, the cruise and Disneyland will probably still be there.

Reduce your telephone expenses. Try to make fewer long-distance calls and cut off expensive postpaid plans. If you own a cell phone already, you can drop the land line you also have so that you can pay the bills with cash. Or it could be the other way. Just choose which is more frequently used or where you get the most out of your money.

Budget your groceries and always shop with a list. This strategy will make you focus more with just the items on the list so that you end up spending less on groceries. Try also to limit meats with your weekly meal plans. Red meats like pork and beef are proven to age you faster. Not only will you save money but you will also look younger in the long run. These are just a few tips to attack your money woes and get rid of debt completely. Be consistent and you will be rewarded soon.

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How to get Rid of Credit Card Debt Fast with FREE Articles Tips at DollarGuides.com. Help tips and more plus Credit Card Debt Information

Avoiding the Buying Impulses

By Paul J. Easton

In today's difficult financial situation, we should reduce our expenses and replace expensive activities with cheaper ways of doing things. To start curbing your appetite for spending, start getting rid of debt by temporarily avoiding certain buying impulses.

Strolling around the mall without a clear plan in mind to do there is giving you so much exposure to certain buying impulses. Plan your shopping ahead of time and keep in mind a budget. With planned trips to the mall, you will most likely have lesser impulse buying or totally get rid of it.

Don't order from catalogs for now. With every order from catalogs, your name gets sold to other catalog companies. This is the reason why your mail is getting more catalogs every time. Catalogs serve as visual reminders of all the stuff companies can advertise and you could potentially buy. This is regardless whether you really need them or not. Unfortunately, most people can't resist the temptation of ordering from them.

Starting now, opt out from newsletters and junk mails to reduce the number of catalogs. If you still receive catalogs, request every catalog company to remove your name from their mailing list. With this plan, you will not anymore receive pesky and unsolicited mails which distract you from your everyday life goals. And in the long run, you will resist the buying impulses and save you more money.

Reduce the surfing in the net by skipping the visits to online stores. This situation is the same with catalogs; online stores stimulate your buying desire. If you plan to shop online, have a list before surfing the net. And stick to it.

Our addictions to spending start with advertising messages bombarded everyday from multiple media ranging from television to billboards. Be aware and let the first line of defense be on guard.

Those are ways to taper down your buying impulses. Keep satisfied with what you have. If you can't have what you want, maybe you can want what you have.

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How to get Rid of Credit Card Debt Fast with FREE Articles Tips at DollarGuides.com. Help tips and more plus Credit Card Debt Information

Lured to Another Credit Card?

By Paul J. Easton

Getting a credit card can be very easy but getting rid of the debt along with it is pretty troublesome. It is time to be more cautious than ever before accepting another new credit card. Make sure that this time around you are getting the best credit card and not fall trap with the one that will get you in more debts. Let us take a look at how credit card companies lure us into signing up.

Credit cards come in various forms and they feature low interests, airline miles and other rewards. But watch out for the fine print and be very careful about the terms because they are always subject to change, which can be very soon.

Getting that new card can be a trick, so be wary. If you are getting a new card just to transfer a balance because of the lower interest, find out exactly how much the company will charge for the transfer. Most of them will not tell you unless you ask them first. In addition, most low-interest introductory offers apply to the balance transfers only and not to your new purchases.

Some credit cards give you gifts for spending money and keeping a balance on your card. One of these tricks is by way of entering your name in a monthly drawing for a prize. These cards are very enticing because it will make you think that it is just okay to use the card because you have a perk like having a chance to win a prize when you use it. By easily justifying the use of it, these cards can be very dangerous.

Credit cards with certain rewards or dividends like rebates and airlines miles are great that they sound too good to be true. And in fact, it is. How can they be in business if they just give away discounts and rewards? Most reward card holders carry a balance and this is the bad news. And the higher interest rates of these reward cards to your balance can more than offset the reward they are giving you. The same with balance transfer introductory offers, reward offers are subject to change with little or no notice.

We have presented some of the neat ways how credit card companies lure you to maintaining a balance and keep paying for the interests. Which one have you been lured into?

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How to get Rid of Credit Card Debt Fast with FREE Articles Tips at DollarGuides.com. Help tips and more plus Credit Card Debt Information

Taking Charge of Your Online Security

By Eric Jilson

In today's online world, you can do your banking, trade stocks, pay your bills, and even buy groceries on the Internet. This convenience can come with a price, though, with identity theft becoming one of the biggest concerns and fastest-growing crimes today. Being proactive with your data privacy is important and can keep you from getting zinged.

The Privacy Rights Clearinghouse says that 9.3 million Americans fell victim to identity theft in 2005 and while new laws and agencies have been created to fight it, it's still a concern and poses a serious threat to today's consumer.

Many companies now offer identity theft protection services. While paying a company to protect your identity for you can be very effective, there are things you can do on your own to greatly minimize your risk.

Here are some tips to help you keep your information secure:

Make purchases only on trusted sites.

Sites that you don't know, aren't familiar with, or seem in any way to be hokey should be avoided. Make online payments (via credit card, direct check, etc.) only on sites you know and trust. Many small online retailers don't have secure payment systems, so be wary of any system you are unfamiliar with. Utilize accepted payment methods that don't compromise your identity such as PayPal or Google Checkout.

Order and go over your credit report.

You can request and receive one free credit report a year from each of the three credit agencies. Do this every year and go over that report carefully, looking for discrepancies. The website AnnualCreditReport.com was created by the three reporting agencies in response to a federal law passed in 2003 on this issue. Check to make sure no accounts of which you are unaware have been opened in your name. Also watch for unusual activity such as address changes or other items you didn't authorize.

Know what phishing is and how to respond to it.

This technique, used by identity thieves that usually targets a specific site like eBay.com or Amazon.com pretends to be a site that you trust to get you to log into their system so they can capture your login information for the real site. Often these are perpetrated via email. One effective theft protection method is making it a habit never to click on links within email to visit sites you must log into, but instead to type the site's name in manually into your browser to be sure you're going where you think you're going. Watch your browser's location bar (URL) to make sure you're on the site you want to be on and not a fake.

Secure your home network.

If you have a wireless network at home, make sure it's secure. Most of the wireless networking kits you purchase today have security built in, but you have to activate it if you want it to work. Often, this is done for you on setup, but make sure it is there regardless. In the past, many have had their identities, financial information stored on their computer, and more stolen by thieves who merely wandered by their house with a laptop and hopped onto their unsecured network. Look to your network's setup disk or documentation to find out how to secure it.

Don't enter sensitive information into non-secure websites.

If the site you're on is one you trust to give your information, make sure it's also securing it. Likewise, if you're posting information on Myspace, a blog, Facebook, or anywhere else, make sure it's not identifiable for use with your credit. Your mother's maiden name, your passwords, and other detailed information about you should be kept to yourself and not broadcast to the world, as these items can be used to get access to your identity. Many famous people have found themselves in sticky situations because so much is known about them that they can't keep their information secured.

Set banking alerts.

Many banks offer a service that allows you to have them notify you via email or text message when your accounts have certain things happen: getting close to overdraft, having draft or purchase requests for more than $1,000, etc. Take advantage of these to keep informed the moment something strange happens on your account.

Use optimal security questions and passwords.

A very common mistake amongst users is to use the same password on several sites. This might be OK if the site is just a news or blog comment area, but for financial and personal information, it's very bad policy. Use secure passwords that are hard to guess and that contain both letters, numbers, and random capitalization. Make sure your security questions aren't easily answered by someone who knows something about you. Questions that even your spouse would have a hard time answering are the goal.

In short, take your protection from identity theft seriously and make sure you aren't taken advantage of by identity thieves. Identity theft affects your whole life and can ruin you financially and make your life miserable. Preventing it is a matter of a few precautions and vigilance, but is worth it.

About the Author:

What better time than right now to explore and learn more on the subject of identity theft protection. You're only a click away - http://www.everlife.com/identity-theft.php.

Do not miss out Bankruptcy Chapter Seven Exemption

By Sim Lewis

When your debts are too much to bear, the hardest part could be filing for bankruptcy. Many people prefer Chapter 7 Bankruptcy. In this chapter, all your non-exempted assets will be sold or liquidated that will gives you a way to pay off all your debts. The process is fully supervised, and the court will appoint a personnel who has the authority to sell all the non-exempt assets owned by the debtor and distributes between the creditors. Bankruptcy chapter 7 exemptions means that there are assets that you get to keep when the bankruptcy is filed. Although chapter 7 is the least favorite method of bankruptcy, with the help of exemptions, you can effectively reduce your personal damage and still get to keep some stuff.

The debtor selects property that he/she is eligible to keep from a list containing state exemptions or exemptions provided in the Federal Bankruptcy Code. The debtor's property will be divided as exempt or non-exempt when a property exemption report is filed by the trustee. Take note that while the basic law may be the same, some exemptions may vary in other states.

In paying off the debts, the secured debts are first to be in line. As for unsecured debts, it can be possible that the creditors may not get paid at all. The trustee makes sure that the right creditors get the deserved money in the right way. In order to get bankruptcy chapter 7 exemptions, the debtor must file the case in the state where he/she resides for a period of 730 days before filing for this type of bankruptcy. Or the debtor may also file the case in a state where he/she has spent most of the 180 period prior to the 2-year period.

There are some Federal exemptions and they can include retirement benefits, death disability benefits, survivor's benefits and miscellaneous. Although, keep in mind that these may not be available in all states.

Bankruptcy is probably the worst scenario, your credit score will have a major impact because there is a bankruptcy filing. Not only you will lose all your personal belongings and you need start a new leaf, both personal and business wise. Remember that there should be other alternatives before bankruptcy.

Of course, if you are left with no alternatives, then it will help to learn more about bankruptcy chapter 7 exemptions that can help reduce your loss and use the law to help you get back your life as soon as possible.

About the Author:

Want to declare bankruptcy? Thinking of declaring under Chapter 7? If so, find out more information on chapter 7 exemptions. You can minimize the loss from the exemptions! Find out more now!

Purchasing Current Mortgage

By Anne Durrell

Finding the top current mortgage rates can be a challenging job for many person . This is especially right think about the present economic crisis that is occurring in the world right now.

There are several different routes that you can take to find the best deal when it comes to current mortgage rates.

The first strategy is to search for the best rates online through websites that specialize in home loans, mortgages, refinancing, and more.

It is often that a customer support agent or a real estate mediator can get you the best of the best when it arrive to current mortgage rates.

If you research the real estate agents in your local community, you are likely to find that they can give you some of the best current mortgage rates right now.

The price of homes is at an all time low considering that we are in a position of monetary confusion right now. Now is the greatest time to find the lowest current mortgage rates.

In addition to this, just going around and seeing what is on the market can help you get some of the best deals when it comes to current mortgage rates. All it takes is research and a little creativity and you are sure to find the best deal!

About the Author:

About author: CurrentMortgageRate-s.com. If you are wondering how to go about getting the best current mortgage rates, this article can give you a few pointers to help you out.

Suggestions to Enjoy a Comfortable Life in a Budget

By Paul J. Easton

Having problems with the conflict of maintaining a comfortable life and getting rid of your monthly credit card bills? Here are tips that might help you get the best of both worlds.

Skip eating out and eat with the family together at home. Most developed countries have the convenience of credit cards that most families dine out almost everyday or take out their fast food meals. This leads to families not eating at the same time when they arrive at home. The result is a staggering number of broken families due to misunderstanding and bad parenting. Eating together is a time for bonding and communication and should not be ignored.

This will also cut your expenses by half as preparing your food at home is definitely cheaper. You will also monitor what you eat and this can be healthier. By shunning fancy restaurants and reserving it only for special occasions like birthdays and anniversaries, you will cut that monthly balance as fast as you can. And by learning how to cook yourself, you will have much more delicious food than in fast foods or restaurants.

The next tip is to be earth friendly. Conserve everything from using water to driving your car. Turn off the lights when not used. Find more efficient ways to utilize energy like insulating your home to lower your thermostat in winter. You will not only save more money, you will also save Mother Earth.

Keep yourself busy so you are not once again tempted to spend more time shopping. Try some extra work load so you get to overtime once in a while. By taking up some part of your free time, you will be spending less time just hanging around and spending money haphazardly. In return, you will be more productive.

Lastly, get back in shape and visit your neighborhood gym more frequently now. You will spend time getting healthier and spending less money. You can also walk your dog at the park or take your children to the playground.

These are just suggestions to enjoy life at a budget. Just as I thought, being happy and saving more money can actually go together.

For more information on financial directory, get FREE Articles Tips at DollarGuides.com. Get debt-free today with tips on how to get rid of debt here. Start improving your personal finance today.

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How to get Rid of Credit Card Debt Fast with FREE Articles Tips at DollarGuides.com. Help tips and more plus Credit Card Debt Information

Holiday Homes Insurance: Getting the Best Cover, 4 Easy Steps...

By David Ball

Buying and owning a second home or property can be an exciting time, particularly if you have bought it as a holiday let or holiday home. You may be doing it purely for the income, or you may be happy to forgo the immediate income, plumping for long term returns instead. Either way, as with any property or purchase of great value, it is highly recommended that you have good holiday home insurance to cover you for the inherent risks that come with owning a second home.

If you are about to choose insurance for your holiday home, or are thinking of doing so, there are some things that you might want to think about. Your holiday home maybe overseas, if it is you may have different needs than if your holiday home is in the UK. As an example, overseas holiday homes may have either external buildings, and/or an indoor or covered swimming pool that may not automatically be covered by your average insurance policy, even if they are included in the property.

Usually most people decide to go for the cheapest insurance, as they believe there is very little, if any difference between insurance policies. This can be true for regular insurance policies, but with a specialist insurance policy such as holiday homes insurance there are often special requirements and unusual needs to be considered. And policies of this type can sometimes be a little tricky to understand. To be certain that you are getting the right policy for you, a policy that covers all of your needs, it is vital that you choose a specialist who has authority and experience dealing with this type of insurance. This way you can be certain to get the best cover.

Overseas/abroad is a favourite place for people to invest in a holiday property, with typical countries include Spain, France and Portugal. And when the investor visits the property and thinks about insurance, the temptation is often to use the local notary or broker for convenience. Be careful if you were thinking of doing this. Being local does not ensure that they are the best person to advise on holiday home insurance. If you decide to use a foreign broker, make sure their English is fluent and that they totally understand the complexities of holiday home insurance.

It is important that your holiday home insurance policy is written in plain, easy to understand English, other wise what chance do you stand of actually understanding what exactly you are covered for. Because of legal obligations for all parties, insurance policies are typically written in 'legal speak', making them difficult to figure out. Having your policy written in plain English will guarantee that you are totally clear about what you are paying for, and what you will be covered for.

We all want to get the best deal when it comes to buying something, and holiday homes insurance is no different. Follow these simple steps and you can't go far wrong. 1). Make sure you use and expert or authority on the subject. 2) make sure that your policy is written in plain English that is easy for you to understand. 3). if you decide to use a foreign notary or broker, make absolutely certain that they are fluent English speakers.

About the Author:

David Ball has many years experience advising people on home insurance spain, expertly guiding investors in overseas property through how to get the best value for money when choosing their holiday homes insurance.

Convenience of Credit Cards

By Paul J. Easton

With the proper use of credit cards, they can truly provide you with much convenience and can be very useful in emergencies. In addition, it also can help build good credit records for you.

One of the conveniences of credit cards is instances when you buy a defective item. Your credit card company, as regulated in the laws, is obligated to investigate your situation. This is the same in cases where you protest a charge made due to some discrepancies.

Most credit cards have grace periods that can last up to 25 days. In essence, you are given a loan without the interest for a period of one month before you have to pay off the charges. This strategy, however, is only successful if you pay the full balance in each month. But it is definitely a convenience to benefit from.

Credit cards are very useful during emergencies. It provides extra security as a source during emergencies where significant cash is required as soon as possible. These emergency cases can range from car repairs to medical emergencies.

With the use of credit cards, you can now track your personal expenses for a budgeting program. With a credit card statement, purchases can be tracked and distinguished by type so you will know your cash flow. This will make your record keeping much easier than when you use cash.

With wise use of these cards, you have a good chance of improving your credit. And in cases when something unexpected happens, you have available funds to rely on. Getting a credit card is so important nowadays as it is a great way to take advantage of certain opportunities and conveniences around. However, accumulating debt is also crucial in today's economic state.

Abuse of credit cards, especially when the owner is not so observant with using it, can lead to a lot of debt. Some people charge more than they can afford, and are headed for financial trouble. I hope you don't follow the same. Make good use of your credit cards and you will just be fine.

For more information on financial directory, get FREE Articles Tips at DollarGuides.com. Get debt-free today with tips on how to get rid of debt here. Start improving your personal finance today.

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How to get Rid of Credit Card Debt Fast with FREE Articles Tips at DollarGuides.com. Help tips and more plus Credit Card Debt Information

Loan modification tips for getting it approved

By Julie Green

Many people believe they have little or no control over whether a lender approves their loan modification application? This might be partially right, but you can do everything in your power to present the paperwork Well, so you stand a bigger chance of getting the loan. There are many things you can do to speed up the process and increase your chances of getting a loan approved. Here are a few tips:

When you are in trouble, or you fear trouble is on the horizon for your mortgage payments, contact your bank. It's never a good idea to sit passively and wait until problems arise. Even if you don't feel like speaking to the bank, get over it and try to work out a solution. This will only get harder when you start getting behind on your payments.

Anyone that submits the paperwork for a loan modification should study the lender's approval guidelines. Be sure to take the time to do this. If you don't even take the time to go through the approval guidelines, it's unreasonable to suspect your lender to put much effort into your case. Everyday, a lot of people apply for loan modification and if it looks like you're not trying, your application will be denied.

Also, when you're negotiating about a solution, don't try to get away with ridiculous payments. Every lender has their own approval criteria that must be met. Be sure to offer a well thought out payment that's fair for you and fair for your bank.

Never omit information your income or assets. The bank will find out. They have a very large bank of information about you and when you ask them for help, they will go through this information and check. If you get caught, you'll get in trouble. This is a prime cause of loan modification denial, so don't underestimate the consequences of omitting information.

Be sure to take the time to complete your loan modification application properly. The necessary preparation increases your chance if acceptance. Not only that, it saves you time in the long run and saves the lender time also.

About the Author:

Julie writes articles about mortgages and homes in English. She also writes about actuele hypotheekrente and maximale hypotheek berekenen in Dutch.

Getting rid of the pain of credit card debt

By PJ Easton

There are many ways to get rid of the pain of credit card debt. This is one thing that most experts agree on; Consolidation Loans.

This is combining all the debt into one payment. This has its pros and cons:

Pros; 1. Allows one simple payment

2. Can allow you to pay the same amount, while actually paying off more of the loan. 3. Can reduce interest quickly 4. Allows you to set up one automatic payment and "set and forget" it.

Cons:

1. Can create a false sense of security having only one payment 2. Allows you the bad option of getting more cards after you have set the process up. 3. Takes away some of the pain without actually taking away the debt

If you are already having a difficult time paying your bills you don't want to make things worse by missing payments, and getting increased payment penalties

Consolidation of credit card debt into a single loan can be a great way to get away from high interest rates charged by credit card lenders.

You also will have less stress about, because instead of making multiple payments each month, you will only be making one payment.

It is possible to find a lender that will be willing to give you a debt consolidation loan, even if your credit rating has been effected, provided you can show that you have regular income to maintain the payments on the loan.

Each lender has there own criteria for debt consolidation loan approvals, so it varies widely. Always look for any "balloon payments" or increased payments over time. You are looking for set payments, over a long term, plus the option of making extra payments to pay it off faster, if you can.

You don't want to be punished for paying the loan off faster than expected. With this process it is a matter of discipline to not create any more debt otherwise the process doesn't have the desired effect.

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How to get Rid of Credit Card Debt Fast with FREE Articles Tips at DollarGuides.com. Help tips and more plus Credit Card Debt Information

Simple Rules on How to Use Your Credit

By Paul J. Easton

In life, we stick with the rules. Violating certain rules has its penalties. This universal law surely applies to the use of your credit cards. Read further to know whether you are violating or not.

Never use a credit card to finance an unaffordable lifestyle. This is where most people fall trap of the never ending financial mishap. If you just can't afford to pay off the entire balance every month, then it is an indication of overspending.

When you have enough cash in the bank, you can use that credit card to make the purchase. Pay it off in full as soon as you get the statement. However, if you don't have enough cash to cover the purchase and it is not an emergency, never charge it with your credit cards. Just save your money until the time you can afford that purchase you always wanted.

In cases where you can't afford something but needs it immediately like a car repair or medical emergencies, use the credit card to charge it. Then, make a plan to pay off the balance with a time frame. Take the plan to another level by figuring out how much you will pay monthly and how long it will take to pay the balance off. Write your plan to implement it better.

A good way to save yourself from credit card debt you can't handle is not to charge meals, groceries, or movie tickets. These items will not show in the statement and you will not monitor it as much as you can. Pay cash for these kinds of items instead. Save the credit for the most necessary items you will need in the future.

As much as you can, pay off the entire outstanding balance each payment due. When carrying a balance in certain instances, pay off as much as you can a big part of that balance each month. Paying only the minimum might be light for now but it will certainly pile up over time and drown you over your head.

For more information on financial directory, get FREE Articles Tips at DollarGuides.com. Get debt-free today with tips on how to get rid of debt here. Start improving your personal finance today.

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How to get Rid of Credit Card Debt Fast with FREE Articles Tips at DollarGuides.com. Help tips and more plus Credit Card Debt Information

Credit Cards: A Tool to be Used Wisely

By Paul J. Easton

When applying for a credit card, you must bear in mind that you have to use them wisely to make most of it. Using a credit card gives you access to more spending power in a moment than you realistically have. This in return entices you to spend more on luxuries, which can make you incur heavy debts.

Admit it; you can hardly pass up what conveniences credit cards can offer. With extra security, the quick identification, and as a source of cash when you need it most, credit cards are a necessity. But can you handle one?

Needing a credit card is a personal decision that depends on your responsibility to use it. Using a credit card needs thorough planning so that you use it wisely with your lifestyle.

Credit cards are convenient because they are now universally accepted as a form of payment. From movie theaters to the internet, credit card payments are now welcome. Add to that the issue of the safety of bringing cash around and you will understand the role of credit cards in making our life not only convenient but safe too.

Another advantage of a credit card payment is when you have a dispute with a merchant over a purchased item. In this case, you always have the right to withhold payment. In instances where you purchase high-ticket items with your credit card, you are more secured when the item does not work as advertised. Moreover, you can also cancel payments if the merchant fail to meet your expectations.

There are several benefits to using a card. This is probably the reason why it has become so popular mainstream. As a tip, make a note of all the transactions you have made for the week using your credit card. Keep a record and assess it by the weekend. Make this as a habit to account your expenses.

Once you establish that habit, develop a payment scheme for you to pay the full balance by due date. Only through that way can credit cards become your greatest tool.

For more information on financial directory, get FREE Articles Tips at DollarGuides.com. Get debt-free today with tips on how to get rid of debt here. Start improving your personal finance today.

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How to get Rid of Credit Card Debt Fast with FREE Articles Tips at DollarGuides.com. Help tips and more plus Credit Card Debt Information

What types of student loans are available?

By Dennis Powell

You did it! You scrimped and saved and studied and worked and borrowed more money than you ever have in your life, but you did it! You finally finished school. Most likely, you've got a few months of grace period to get settled into your new job - hopefully it's in the field you studied for - and then those student loan payments are gonna start coming do. Plan now to keep your expenses in check while ensuring that managing your education debt is a part of your long term financial plan.

The first place many borrowers will look for a consolidation program is FFEL consolidation. Federal Family Education Loan consolidation offers the option of putting all of your federally funded education debt - both subsidized and unsubsidized - under a single plan. This option can even work for those unfortunate souls who have been in default in the past, and offer fixed rates, extended terms to help you get started in your new life without worrying about loan payments eating up most of threat tiny entry level salary.

In addition to traditional federally funded loans, many students finance their advanced education with a variety of private loans. Private consolidation of these loans offers borrowers many of the same benefits as federal consolidation - fixed rates, longer terms, and lower payments. Conditions may be stricter for a private consolidation and you cannot usually combine private and federal loans under a single consolidation package. You may end up with two consolidation loans, one for your federal debt, and one for private; be sure to shop around for the best rates.

PLUS loan consolidation offers the chance for parents who have borrowed to fund their child's education to get many of the same benefits as FFEL and private loan consolidation. In addition to an interest rate reduction Plus loan consolidation offers the option of extended terms to make repayment more manageable. As with any consolidation loan, extended terms also increase the total amount of the loan so borrowers need to make sure that they are making the right choice for their financial situation.

Another option to a traditional loan is an additional mortgage on a piece of real property like a house of land that you may own. Some students parents will take this option to pay off the loans and the student can they make payments directly to mom and dad. Private personal loans from family members are yet another possible way to get the worry of several large monthly payments off your back, and some businesses offer tuition reimbursement for their employees.

One of the newest innovations in lending is the idea of micro-financing. Peer to peer lending networks provide the same type structure as peer to peer file sharing networks. With a P2P lending network, borrowers submit their request usually backed by some type of credit check and a variety of lenders bid on it. Usually the P2P organization will service the loan, which may be funded from friends, family members, or even complete strangers.

You did it! You managed to finish school and are about to make your way into the "real" world. Thanks to the variety of consolidation programs available for the modern education loan, you can get started on the right track with manageable debt load and a solid plan for your financial future. Find the package that works for you, make a plan and stick with it, and you'll be paying down those student loans in no time.

About the Author:

Dennis Powell writes about how to refinance consolidated student loans and the consolidation of federal loan programs for students.

Credit Repair Home Based Business: Easy To Start, Lots Of Rewards

By William Blake

Credit repair is a good business to be in because there is a growing need for this service. This is an excellent at home business because the services provided can all easily be performed from the comfort of your home. If you have any experience in or knowledge about credit repair this is a business that could be very lucrative for you.

A credit repair business operated out of your home is a great way to start small and slowly build a successful business. Now is a good time to get started because of the increased demand for this type of service.

No Special Skills Required

There are no special skills required for starting a home business in credit repair. In fact, there are many programs out there that give instruction on how to get such a business started. These do it yourself kits give you step by step direction in how to start the business and tips on how to make it successful with very little out of pocket expense for you. With this kind of help available it is not necessary to be a financial expert of a professional credit counselor to start your credit repair business in your home.

One of the best things about your own home based business is that you can be your own boss. There is no need for special schooling or licensing to begin your credit repair business. You can start the business right away with the help of these business kits. They even give suggestions on how you can market your business.

Marketing is an important step in getting your business off the ground. Once you advertise your business and get people to respond you can set up a time to meet with them and explain what services can provide for them. If you are able to convince them that you can really help them successfully repair their credit you have just contracted a client.

In your contract with your client be sure you state clearly what fees you will be charging for your services. Collect your fees before you begin working for the client. Once a contract is signed and fees paid you will be ready to gather credit information from your client and prepare dispute verification correspondence for each of the major credit bureaus.

Do your homework before you get started to be sure that you can successfully operate a credit repair business out of your home. With finances the way they are right now and with stricter bankruptcy laws in place the opportunities for success in a credit repair business are greater. It is a good time to try to see for yourself whether this type of business is a good fit for you.

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Tire of struggling to keep up with your credit card payment? Learn some simple credit card tips on the Debtopedia website. Visit http://www.debtopedia.com for a free copy of my "Secrets Of Credit Card Debt" report.

Sticking to your Plan to being Debt Free

By Paul J. Easton

How to stick to a plan in getting rid of debt? Start with stopping yourself from applying for a new credit card. Yes, stopping yourself from getting another credit card is the way to finally end being debt-free.

Never pay your old credit card balance with the available credit from the new one. To end the cycle of debts, stop getting new ones. Together with this plan, start targeting the credit card with the highest interest rate and insistently pay this account down as fast as you can. You have to reduce altogether the amount over the minimum payment on your other cards. Concentrate this time with only one card. You can pay the rest of the cards with the minimum payment.

Be sure, though, to continue making at least the minimums on your other cards every time without failure. After the account with the highest interest is paid off, begin paying off the next highest interest rate card. Work on this plan until you finish paying all your credit card debts, saving you more money from interest and finance charges.

Work on your budget as well. Spend the time to create one on paper before the month starts. When you are aware of your spending, you are spending with a purpose. This will totally give you a conscious effort to limit yourself every time you are faced with a bill or an impulse to buy something.

Your dream is to be debt-free this year. It will take some time and some effort from your end to realize this dream. Certainly, it will not happen over the weekend. Work hard on those aims and make decisions wisely along the way. You now have a plan you can stick with for the long haul, persistent implementation will only push you to success.

You are now motivated and have the priorities in order; it is time to make your life much better without debt. Good luck to you!

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How to get Rid of Credit Card Debt Fast with FREE Articles Tips at DollarGuides.com. Help tips and more plus Credit Card Debt Information