Debt Consolidation Loans Services

You are More than You Owe - Just Remember That!

It's official. Americans are drowning in debt. Not only are we working record hours and decreasing our quality of life just to pay the bills, but we are also racking up more debt even as we've paid off another! How can we stop this vicious cycle or revolving debt, and get our financial lives back in order?

I found these few simple guidelines helpful in my own personal quest to be debt free, and in fact succeeded in paying off all of my outstanding revolving (credit) debt. You may also be able to apply them to your life as well, or at least modify them to help your personal situation.

1.) Limit your trips to restaurants. I hear more people who complain about uncontrollable debt talk about eating out several nights a week. And guess what they're using? Credit cards. Don't dine out unless you're paying with cash or your debit card. Eating out is much more costly than eating at home. After tipping, many times two people can spend $40.00 or more. Imagine putting that same money toward an outstanding debt. Now take it a step further and visualize how it will feel to be debt free, and also guilt free when you do eat out again.

2.) Every time you go grocery shopping, make a list and a pre-determined budget and do not waver from it. Not only can your wallet benefit, but many times your waistline too!

3.) ALWAYS try to pay at least double, if not triple your minimum credit card payments. This not only gets them paid down - and eventually off - faster, but it also reduces the interest on the unpaid balance, which gives you a little more breathing room to pay less in the future, since you're not constantly adding more interest. Then it becomes an exercise in futility.

4.) Go ahead and play the "Credit Card Game". This is where you pay off a higher interest credit card to a zero balance, with a new zero APR card. These types of credit cards usually only offer the zero APR deal as a limited time introductory rate, but you'll still be getting a zero interest rate for those 6-9 months, which gives you more time to "really" catch up on your payments and pay a little more, when there will be nothing else tacked on, and you can truly pay your balances down to manageable amounts.

Two things to note when playing the "Credit Card Game" :

a.) Make sure you will get the going prime rate when the intro period is up.

b.) Do not cancel your old card. Just keep it at a zero balance. Experts say it is better for your credit score if you do not cancel old credit cards.

5.) Start a side business. I would say get a second job, but historically people who have two jobs do not win in the end as far as taxes go. If you have a side business doing something that you enjoy, not only are you getting a second income, you are also getting tax deductions. This is a good rule of thumb, but as with everything else in life, it does not apply to every situation. There are tons of businesses that cost virtually nothing to start up, and it can be a very gratifying experience.

About the Author
Visit Credit Card and Debt Management Info for a personal view and experiences on managing debt and finding lower interest loans, mortgages, credit cards and other lines of credit to stay out of long term debt. Danna Schneider is the founder of Prime Rate Credit :
Daily Weblog on Credit Management

Archives Free Articles
Finances Articles At
Latest Finances articles published and distributed by

Options For People With Poor Or Bad Credit – Private Party Auto Loans
by Jessica M Peterson
21 Apr 2014 at 8:08am
If you have bad or damaged credit, chances are that you find it difficult to obtain financing for the vehicle that you need Bad credit can happen to virtually anyone - if you fall behind on just a payment or two, your credit score can plummet to the lower rungs of the credit ladder If you need to buy a vehicle but have poor credit, you might consider a private party auto loan to put yourself behind the wheel and moving down the road, fast...
Tenant Loans to Beat the Credit Crunch
by Jessica M Peterson
21 Apr 2014 at 6:22am
If you do not own the home you live in, you can still borrow the money that you need with a tenant loan Tenant loans are available in amounts up to $10,000 for the needs you might have Learn how you can beat the credit crunch with a new tenant loan...
Avoid Bankruptcy With Debt Consolidation
by Jessica M Peterson
21 Apr 2014 at 6:18am
More and more borrowers are facing the possibility or bankruptcy or foreclosure, thanks to the current state of the economy and the mass layoffs and restructuring of major companies and employers It seems no one is exempt from feeling the fallout of our strained economic system, and perhaps you are considering bankruptcy as an option to help you regain some control of your finances You might be better off to choose debt consolidation instead...
Emergency Cash Loans – Effective Quell Unexpected Fiscal Crisis
by Shane Bon
21 Apr 2014 at 6:12am
It is a natural rule that one has to face ups and downs in one’s life but to handle them is dependent upon one’s financial position An emergency can happen in your life at any point of time without any previous notification and if at the time of emergency you do not have adequate finances, it will be quite difficult to deal with emergency expenses To tackle any emergency confidently you just seek for borrowing extra money...
Asset Management is an Effective Way to Boost Your Financial Investment
by John Franciesim
21 Apr 2014 at 5:17am
Due diligenceThe concept of due diligence is to investigate a business or person prior to signing a contract It can be legal obligations, but the term more frequently apply to voluntary investigations In renowned industries Due diligence is the process through which a potential acquirer evaluates a target company or its assets for acquisition...
Car Auto Insurance For Dui- SR22 Insurance
by Darci Eblingzs
21 Apr 2014 at 4:10am
Car Auto Insurance for dui- SR22 insuranceCar Insurance coverage Soon after a DUIObtaining economical vehicle insurance plan after a DUI DWI OUI OWI drunk driving conviction might be particularly challengingCar Auto Insurance for dui- SR22 insuranceWhen you try to get car auto insurance after dui SR22 numerous national car insurance companies will vastly enhance your premiums or cancel your procedure altogether soon after a drunk driving conviction or an administrative DMV suspension On the world wide web you may find unique forms of organizations who understand which you require cost-effective, dependable automobile auto insurance more than ever following a DUI DWI conviction and they're going to enable you to uncover the protection you need...
Getting a Loan With Bad Credit
by Lee Mason
21 Apr 2014 at 3:20am
I recall years ago when I stepped into our bank to obtain my first loan I recollect being in front of the president of the bank, giving him all of my information: my date of birth, my contact number, my address, my social security number, along with host of other information After giving him a ton of information, he was finally willing to request a loan from the under-signers...
Fund Manager Ideas
by Mike Clemson
21 Apr 2014 at 3:13am
1 Hope is a terrible investment strategy Most investors dream about the best case scenario of what will happen with their investments...
Temp Staffing Agencies Expand With Accounts Receivables Financing
by Lanette Tucker
21 Apr 2014 at 2:24am
When temp staffing agencies have problems with cash flow, they have a couple of initial options: apply for a bank loan, or use accounts receivables financing While bank loans are considered to me more conventional, accounts receivables financing can clearly be the best optionTemp staffing agencies with cash-flow problems are sure to find that accounts receivable factoring or financing is quite an effective solution, since these agencies do not get paid until they have filled all their job vacancies...
Pre-Approval For VA Loans in 5 Easy Steps
by Kate M Ross
21 Apr 2014 at 2:23am
If you are a veteran considering buying a home, you may be interested in gaining pre-approval for a VA loan This is an excellent option available to you, but you may be wondering how to go about the application process There are five simple steps to gaining pre-approval that are similar to all mortgage loans...
Low-Interest Bad-Credit Personal Loans From Private Lenders Using the FCGC Me...
by Kate M Ross
21 Apr 2014 at 2:22am
Taking on a low annual percentage rate (APR) bad-credit, unsecured loan is nothing to be taken lightly If you have no collateral, that is, security in the form of valuable property to back up a loan, you must be patient and shop wisely If you get yourself into a position where you cannot meet your obligation, you may have to bear some heavy consequences...
Quick Cash-Advance Loans For Middle-of-the-Month Emergencies
by Kate M Ross
21 Apr 2014 at 2:21am
So, the middle of the month rolls around, the paycheck is a few weeks off, and you need cash You may need to avail yourself of a quick cash advance loan for those middle-of-the-month emergencies The car may need repairs, the refrigerator may go on the fritz (all that food...
Methods That Guarantee Finding Unclaimed Money
by Nicole Andersons
21 Apr 2014 at 2:10am
Unclaimed money has been an increasing problem among the governments Most people currently have some form of unclaimed money that they are unaware of Some popular sources of unclaimed money or properties are items like undistributed wages, Utility deposits (very common), credit balances, store refunds, Life insurance policy proceeds, Traveler's Checks, Court payments or deposits, Checking and savings accounts and royalty payments...
State Unclaimed Money Available to Claim
by Nicole Andersons
21 Apr 2014 at 12:58am
Lost money exists, and it is more than finding forgotten dollar bills or spare changes behind your pillow or in difficult corners of your home There may be a chance that money may get lost with time, but this unclaimed money is always available for to claim back All a person needs to do to find this lost money is start searching...
What a Trip!
by Lanh Nguyen
20 Apr 2014 at 11:24pm
In northern Vietnam the loop from Hanoi through Sapa to above Ha Giang and back is regarded as one of the most challenging and spectacular motorbike rides in the region Hanoi – based artist and writer Bradford Edwards made the grueling trip to attend the annual “Love market” in Khau Vai near the Chinese borderThe most practical way to get around in Vietnam’s highlands is by Minsk, the 125cc Russian motorcycle that has achieved cult status among a small group of adventurous Hanoi expats...

Newsfeed display by CaRP

Finance:Debt-Consolidation Articles from
Finance:Debt-Consolidation Articles from is Trusted By Millions as The Source For Quality Original Articles

How You Can Qualify For A Personal Debt Consolidation Loan
14 Apr 2014 at 5:32am
If you are tired of having creditors pursue you at home and at work, it is definitely time to start being proactive about repairing your finance. One of the best ways to do this is by securing a debt consolidation loan. These loans help high-risk consumers to centralize and pay off their past due bills so that they can start moving forward with their lives.
Debt Consolidation Reviews: How You Can Manage Your Debts
14 Apr 2014 at 5:31am
There are a number of strategies that people can use when looking for money to clear up their past due accounts. Debt consolidation loans are among the most popular solutions for consumers with problems like these. They give borrowers adequate sums of money for paying their creditors off.
How Credit Card Consolidation Companies Can Help With Your Debts
14 Apr 2014 at 5:30am
It is not uncommon for people to become overwhelmed by their bills. They might have major changes that affect their income or they can become bogged down by added fees and interest. When this occurs, however, it is important for people to find a fast and effective solution to their problems. This is why many consumers are opting to receive debt consolidation loans.
Consult Reliable Debt Counseling Services For Appropriate Debt Help
4 Apr 2014 at 8:08am
In order to deal with the debt crisis in a methodical and efficient way, it is advisable to contact experienced and reliable debt counseling services. A severe debt situation can make your life extremely complicated and stressful.
Tired of Juggling Several Monthly Payments? Debt Consolidation May Be the Answer
1 Apr 2014 at 5:39am
As more and more UK residents face the growing problem of making ends meet month to month, people are turning to debt consolidation companies for assistance. Debt consolidation refers to taking out one large loan to pay off several smaller ones and can be a great solution to help people take control of their finances.
Will Debt Consolidation Help Me?
21 Mar 2014 at 5:03am
It seems like just about everyone is carrying a large amount of debt these days. Would it make sense to consolidate some of those loans? It may not be as simple or as straight forward as you might think. Take a few minutes to read this article and see if debt consolidation is the right choice for you.
How To Go From Debt Consolidation To a Debt Free Life
17 Mar 2014 at 8:31am
A debt consolidation loan - make that the RIGHT debt consolidation loan - can be a stress reduction loan as well. The fact is that most people get too deeply in debt at one time or another. Sometimes the deep debt is caused by poor financial management and a bad case of "living beyond means," but sometimes the deep debt can be caused by an accident, injury, or illness or by the unexpected loss of a job.
Want Answers For Your Debt Consolidation Problems? We Have Them
3 Feb 2014 at 12:26pm
Dealing with debt can be frustrating. It can leave you feeling like there is no way to dig yourself out. You might think that you are alone in this battle, but there are methods out there which can help. For example, read this article to learn how debt consolidation might assist you today.
How To Live in an Environment That Is Completely Free of Debt
31 Jan 2014 at 2:19pm
It is important to save some cash to combat any type of emergency. Saving enough money by investing also caters to the problem of lack of funds during the times of distress.
How Mezzanine Debt Is Different From a Mezzanine Loan
30 Jan 2014 at 6:41am
In the world of high finance, rarely does an investment banker reflect on the meaning of such a trivial matter. The quick answer surely would be - it is a distinction without a difference. Aren't they the same thing? In many ways they are. Mezzanine debt is an industry term to describe a loan made that resides below the bank yet above the common shares in a company.
How Credit Card Consolidation Companies Help With Your Debts
27 Jan 2014 at 8:50am
If you have a problem making ends meet each month, you are not alone. Many families suffer with financial problems that come from charge cards. These bills can sneak up on you and before you know it, you end up deep in debt and wondering what happened. Thankfully, some are finding help through debt consolidation lenders.
Retire Your Credit Card Debt With a Peer-To-Peer Loan
15 Jan 2014 at 2:03pm
When Michelle Watson compared her auto loan interest rate along with the interest rates on her two credit cards with those offered by a leading peer-to-peer, or P2P, lending site, her jaw dropped as she realized she had been throwing her money away on exorbitant interest rates for years. Needless to say, she realized using the peer-to-peer lending service was a no-brainer.
What Will A Mortgage Advisor Do?
10 Jan 2014 at 9:29am
Generally people or firms offering mortgage advisory services are those working in the financial sector. So, they will be helping people in finding the right mortgage and they also make sure that their customers are fully aware of the different options available to them. They work towards the best interest of their customers and so they will rightly analyze the financial situation of the people seeking their help and will accordingly provide them the appropriate help in the entire process of finding a mortgage loan.
Debt Consolidation Before the Situation Gets Out of Control
9 Jan 2014 at 10:17am
A personal loan is a good option to pay down your debts. One can apply for a larger loan with a low-cost interest rate and use the funds to clear all the outstanding debt, such as store cards, credit cards and small loans. You can take out a new loan with a better interest rate and a more affordable installment.
Debt Consolidation: One Loan To Rule Them All?
7 Jan 2014 at 7:51am
Dealing (barely!) with high interest credit cards and unpaid medical bills? Debt consolidation may be the right option for you.

Newsfeed display by CaRP

Powered by Blogger
and Blogger Templates