Debt Consolidation

2 years ago I bought a car. I went to the lot and checked it out and took it for a drive. It was great, I wanted it. I bought it three weeks later with cash. The salesman couldn’t believe it. He was sitting there behind his desk with all his finance forms and his credit card machine ready to go and I dropped $2000 on his desk. It was unheard of for him and he took an incredibly long time to count it. his hands were actually shaking - maybe he thought… Continue reading

Credit cards an incredibly useful in our everyday lives and the card companies keep coming up with new incentives for us to put our purchases on our cards. I recently walked into a printing supplies shop and wanted $20 worth of ink cartridges for my printer and the shop attendant said he couldn’t sell it to me because the card machine was offline. He was momentarily confused by the $20 note I handed him, and this sums up the prevalence of paying for items on credit in modern society.

Now personally, I pay cash for everything. It’s a… Continue reading

It hurts to admit you are in trouble. We like to have everyone think we can look after ourselves. But the fact is that sometimes we can’t, we overextend ourselves and some support is just the tonic to get us back on the right track again. This article examines what to do when we are in financial trouble and too proud to admit it.

The first thing I like to say to anyone who is looking for credit card debt relief is don’t panic. Being in debt is not only quite normal, it is rarely the end… Continue reading

I’ll grant you a concession up front. Society endorses debt. In fact society practically runs on debt. Most businesses couldn’t operate without accepting credit card payments. Most people would never buy a new car if they couldn’t put it on finance. And the result is millions of people looking for mortgage assistance, personal debt write-offs or credit card debt relief. In this article I put it out directly. Just because Society Loves Debt, doesn’t mean you should.

Let’s start with how you got into debt. Simple - you spent money you didn’t have… Continue reading

Are you sick of being in debt up to your ears? Do you want a way out that is not bankruptcy? There are many different debt relief programs, but there are only a few that you should actually consider. Here are a few options to help you get out of debt.

The first debt relief program is a not for profit service that will help you pay off your debts. This is usually a credit counseling service and they will charge you a fee, but it will not be much. They will help you by working with your creditors to get… Continue reading

We’re in a system that just requires us to rely on credit. Taking all this is consideration an individual who is using credit cards to stay above water, in the event of a foreclose situation, is running an even higher risk, using credit cards. But really, what other choice do they have? Studies have indicated that most Americans owe an average of $8,000, in credit card debt. Because of the current mortgage crisis and faltering economy, that average is bound to increase. There just seems to be no way around it.

As if the debt itself weren’t enough, there are always… Continue reading

Ways To Reduce Health Insurance Premiums & Medical Bills

Over the last decade or so health insurance and rising medical bills have been sky-rocketing. There are ways to get reduced premiums or coverage for free. Many private companies out there offer Health Insurance that is reasonably priced or are negotiable. There is also Federal and State assistance you can take advantage as well. Many non-profits help provide Health Insurance for free or with low premiums because of State & Federal Government Funding and through public donations. All states, have a State Medicaid program. Read below for ways to reduce your health… Continue reading