FaZizzle
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--get rid of credit cards. All of 'em. You don't need them.
--Set aside $1000 (right now) to save for a rainy day
--Start paying off those debts. Get a second job, sell your things on ebay, just get those paid off.
Write down your debts from least to greatest. Pay off each debt from bottom to top, while contibuting to the others.
Example:
If my debts were 300, 450, and 12000 I would pay off the 300 first while applying money towards the other ones too.
When you get rid of that debt, cross it off.
Don't live outside your means. Don't get everything NOW. Don't be the average American. Don't buy things you don't want with money you don't have to impress people you don't like. |
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trisha j
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this one- just click away at a game and earn points for lots of giftcards money and prizes plus 1000 bonus points for signing up- http://www.*********.com/?signupcode=xsm...
this one- great site...earned over one hundred in one month for free...awesome , games, contests and proof of payment- http://www.treasuretrooper.com/148534......
this one- it's so easy and takes five mins a day..and you can cash out at the end of the month and it's free...oh also...you can find ipods and gift certificates... http://www.exodus3000.com/?r=x_smoochy..... |
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Isaac
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Don't get Frustrated due to debt, every one have high or less Debt in life. You can not expect life without debt, yes you can manage your debt so it will less Effective on your health and financial health too. Just visit http://www.onlinedebtconsolidationquote.... fill form and discuss about your problem with Credit Counselor and yes it is free and if you like than Fill the form and I am sure it will have less effect on your Credit in compare to Debt Consolidation and yes this program is not a Debt Consolidation so no need to take more loan.
Please stay away from Company/site who offer QUICK out of debt solution. Remember Slow and Steady always WIN.
Hope this will help |
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akoaypilipino
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dont spend more than what u earn.. |
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Sam
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STOP using credit cards.
Pay off your SMALLEST balance now or ASAP.
Take the monthly payment from the above account and add it to the next smallest balance to get rid of it.
And so on and so on until you only owe one or two people any money.
Decide if you want to pay them off or keep the loans, esp if they are low rate mortgage loans or maybe a car loan. If you are not going to pay these off, start saving the money you were using to reduce your debt. |
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Lianne
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For a ton of advice on reducing debt, improving credit and understanding how credit works see http://creditwisdom.blogspot.com |
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jaded2809
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Quit spending, earn more, get a second job |
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zoomat4580
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Become a born-again Christian, tithe (it's a Biblical law) to Christian causes. One of the strongest but most misunderstood laws in the universe is giving. The more you give, you will get back and even more. It's the principle of sowing.....just like seed. You don't keep and eat all the grain....you sow it to reap a bigger harvest. This works not even for money, but for relationships, jobs, etc. Trust me. I've proven the money part, but I've been too picky in the relationship part, but will change. |
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janina storm
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Go to a good credit counsellor (try yellow pages, legal aide or your bank), They will contact all your creditors and arrange payments. They can usually get the interest stopped so your debt stops growing. You have to give up your credit cards and they help you set up a budget. My friend went through this and it worked. The budget is realistic. It allows for entertainment and clothing, as well as the necessities. Good Luck! |
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weezer_chick
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stop using credit cards and use more cash for everything or a checking account. That way you see the money going out. Here's what my parents did:
They made a list of necessities for every month and added it up on how much it would cost. Then at the end of each month, you see how much you have left over.
They also put their cash in envelopes in a folder with a lot of pockets. Each envelope with a different title. ie food, clothing, gas...., ect. You put the budget that you have for that month in the envelope and that way, it's easier to see how much you have left. : ) |
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Feist
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get a job, participate in GICs? save your money..cut down and make a financial plan of how much you can spend on the stuff you dont necessarily need.. |
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Red Rooster
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give up all convenience and luxury, pleasure, yes you might as well die! |
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DaMan
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Good luck. |
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tysavage2001
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Spend your money on food and rent only. Don't waste it on smokes, or alcohol .. don't buy boats or anything you don't absolutely need. Refinance any loans you have outstanding to a lower rate. Think before you spend or put anything on a credit card. Ask yourself if you really need it ? ?.. Good Luck ! :) |
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rjgopal1
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Get a new or an additional job so that the extra money can be used to pay off the old debts. Close old and big debts first and simultaneously start saving more.
Stop using credit card to purchase clothes, food, fuel for car and gizmos etc.
Start saving in a new account which doesn't let you withdraw for long times in small amounts every month.
Sell off unwanted or least wanted household things to generate cash and use it prudently. |
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jay
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stop borrowing and pay back what you own |
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johnlb
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Interest is an important thing to look at.
Examine your debts and order them by how much interest you are paying, with highest interest at the top of the list.
Pay off your high interest debts first. Credit cards tend to have pretty high interest, so pay those off first, and try not to use them. Transfer that debt to a lower-interest card if possible.
If you own a home and have a mortgage, you might want to consider refinancing your home with a higher mortage and use the extra money to pay off your credit card debt. You can write off the mortgage payments on your taxes. |
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falcongrl89
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Try CareOne or any other Debt Counseling company. |
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RainyDay
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Try to pay yourself first..to save...Do not use your credit cards!!! Give yourself plastic surgery!!! Only have one Credit Card for an Emergency...Consolidate if you can...skim and learn!!! If you enjoy entertainment alot..allow yourself once a week..learn to cook and Eat at home...cut your corners..write down your Income..verse's your spending...you will get on track!! Good luck... |
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andy
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For me, I am putting 12% of my income into my 401K and I am setting aside about 6% of my income into a savings account for non-monthly expenses and travel. I am limiting my non student loan debt to what I can pay off with my savings account if needed. I would love a new tv but I am happy with my 30 year old one. I do splurge on books and movies (dvds) more often than I should, but I keep my outgo to match or be below my income into my checking account.
The one thing that has helped me the most is that I have divided up my bills into two groups based on due date and what half of the month it falls into including the amount that I transfer to savings. Than when I get paid I copy and past in my excel spreadsheet all of the bills due in that half and how much is owed even if I will not be sending out a check until a couple of days prior to my next check. This helps me see how much I have to spend on other necessities and wants for the period. |
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jesus91874
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There AIN'T no QUICK way OUT what took so LITTLE time getting INTO!!
Just start at the SMALLEST debt, paying IT off, ASAP, and keep applying THAT monies from the SMALLEST debt (after you have IT paid) toward the NEXT HIGHEST debt, all the while keeping your minimum payments on your OTHER debts, so you don't fall into a HIGHER INTEREST rate for Non-Payment! It's called "SNOWBALLING YOUR DEBT." You start small and go BIG with your payments, until ALL your debt is GONE!
FORGET about the COMBINING your debt into your HOME EQUITTY!! If you have to MOVE because of a JOB, you can get in SOME DEEP trouble!! DO NOT roll your debt into your Home Equity!! JUST SNOWBALL it!!
Then, start saving your money for EVERYTHING. Whatever you like to do on the weekends, save for it through the week. Have a money envolope for EVERYTHING SOMEWHERE in your house, and keep dropping money into IT. If you like to go to the movies, have a MOVIE envelope. If you like to go 4 Wheeling, have a "4-wheeling" envelope.
Reward yourself in a small way, after you reach each goal, SOMEHOW.
AND DO IT BAY BE!! YOU CAN DO IT!! |
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chris
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Do you have a bad credit?Are you into debt?Do you need a personal loan.I give out loan to Business Men and women who are into Business transaction, I give out long term loan for three to five years maximum with your interest in this you can as well tell me the amount you need so that I send to you the terms and condition that is if you are realing interested in getting a loan from me, Loan is given out in Pounds and $US the maximum I give is 5,000,000 both in pounds and $US and the minimum 1,000 pounds and US$ so if really you are interested mail for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we take a loan and pay back after duration with the interest, if you are honest I will trust you because I like to do business with Honest people if you are one you will get the loan with out problem and for your information if you should more loan like $10,000,000m I can give only if you are one of these cartigories:
Manager of a company
A private Holder
A broker in banks
A director in any office or company
A high investor of and compay
If you are one of the following you can get $10,000,000US as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon.
Name In full____________ ____________
Occupation___ _______________ ______
Counry_____ _______________ _______
State____ _______________ _________
City___ _______________ ___________
Zip code:__ _______________________
Phone Number ____________________
Sex _______________ ______________
send these info it is important. Mind you loans is given to every part of the world only if i see you to be honest and will pay back after duration. If you are interested you have to send the amount you need as loan so that i can give you the terms and condition on the loan for your information loan are given to every part of the world on honest people so if you are honest apply for the loan now. email chris_per_lenders@yahoo.com
Thanks. |
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Hermes
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overcome your Ego ^_^ |
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David D
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There is some useful advice here. |
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barbara w
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make minimum payments on the cards with lowest interest.put ALL available money on HIGHEST INTEREST CARD |
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Robert Paisola, CEO, MyCollector.com
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Hello my friend,
Thanks for taking the time to write about your new claimed desire to get out of debt. That is an awesome goal and you should be glad that you are taking on this challenge.
One thing that I recommend to my clients is that they perform a very clear financial analysis on their own life. Are you spending too much money eating out compared to your income? Is your car payment more than your rent?
By looking at the expenses in any given month you can then create a budget that will be the guidepost to your financial future.
One final suggestion. Always save 10% of each and every dollar that you make. You will be surprised at how fast that money will add up!
I wish you the best!
Robert Paisola
CEO
The Western Capital Group Of Companies
www.mycollector.com |
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starseed
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Learn to live within your means. |
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megs
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die |
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