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Kris | Can some one help with a Debt Plan? |
Can someone share with me a plan that can help me get out of debt? I am in debt about $25000.00. What worked for you or others like you? |
 |
 
Emili
|
This is a multi-part answer. What kind of debt is it? Is it "good" debt (i.e. student loans, mortgage) that represent an investment in your future, or bad debt (credit cards, too expensive auto note). How did this debt accrue? What are your spending habits? How much disposable income (income after taxes and needs are paid for) do you have? You will need to take a hard look at your total financial picture before you can address the debt. Start with a monthly cash flow statement. A cash flow statement is simply all money that flows in and everything that flows out. If outflow is greater than inflow, this means you are taking on debt in your daily life. Spending will need to be curbed.
Once you get to a point where you understand exactly how much money each month you have to use for debt reduction, you can begin a debt reduction plan. I've used the pyramid method myself.
Start by listing all debt by company or card in order from greatest interest rate to smallest. Then, make the minimum payment on the lower interest cards and use the remainder of the money set aside for debt reduction on the highest interest debt. Repeat this until the highest interest debt is paid off. Then take the SAME amount of money, and tackle the next highest interest rate debt. Each time you pay off a card, the amount you can use on the next card increases.
This method assumes you have some disposable income and can make all of the minimum payments on all debts. If this is not the case and you are struggling to meet your financial obligations, you should contact a non-profit service like Consumer Credit Counseling Service.
Good luck! It will be difficult, but you can do it! |
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cdf_luvs_dsf
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what we did was we started paying one thing at a time off. its always best to start paying the one with the highest interest on it off first. dont go into debt further and just keep paying them down and it should not take to long to get them taken care of. |
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AgsFan
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assuming this is mostly credit cards, the easist way to go about is to call a credit consolidation company. They will combine your monthly payments into one that will be lower than making the minimum to each company. Then, if you can ever give the consolidation company extra money some months to dispense to the credit card companies...that will greatly speed up the process. All in all, it should save you some money. In the future, try to buy everything outright....even a car. Just save enough money in the bank or other account till you have enough to make the purchase. It will save you a lot of stress and headaches. |
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okeepurple1
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Contact the consumer credit consultants service.. for free they will help you get out of debt..I am serious. They will get the people you owe to stop the interst and set up and payment plan.w/o interest that you can afford and you will survive and be free of all that stress.Good luck.
remember CCCS it is a free and reliable service..and it works. I promise. |
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banananose_89117
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First, you cut up all but one credit card. That credit card is only for real emergenices like fixing the card, going to hospital, etc.
Then you pay off more than just the minimum each month, otherwise all you are doing is put a dent in the interest and not the principle.
You charge nothing, paying cash and only if you budgeted for it. That means the power bill, etc., food, and the credit cards debt come before anything else.
Shopping means sales, and only vital needs like food. Learn to cut and use coupons (I did). NO new clothes until you pay off the debts.
Take your lunch, don't buy coffee at Starbucks, and bring your own beverages from home (coffee, soda, water). No using any vending machine at work or school. Surprisingly that adds up to a lot of savings. No going out to dinner or movies or a show every weekend, saving money to use on the credit cards. In fact if you put that money in a jar on your dresser you will be surprised how much it adds up to at the end of a week, a month.
You need to learn to live within your paycheck. And along the way you need to learn to save for the future, both emergencies and the day you may want to retire. Most retirement salaries do not cover everything!
Once you are out of debt, you use only one credit card and then you pay it totally off at the end of the month. That means you will not charge more than your budget allows. |
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pelican228
 |
cut up your credit cards. |
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fitzovich
 |
I was in a similar situation following a divorce. I picked the smallest balance credit cards and paid them off first. Then took the money applied to them and worked on the next lowest balance. It takes time and patience, but can be done without credit counseling or outside help.
~ |
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sunshine
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you have already received some good advice through these other people, but i was going to recommend oprah's debt diet. one more important thing...when paying extra on a loan or debt...send a seperate check/money order make sure it says on the check "towards principle" that way it's lowering your total amount therefore lowering the interest accrued. |
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Debbie
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I had to actually go to my credit union, take out a loan and pay off cards, etc. I then was able to make reasonable pymnts to the credit union. This was after I paid 3X the mo payment required for one entire year and the bal owed did not come down even one dollar! So if you can do that, or consolidate your bills via your bank or lending institution, do it and youll save tremendously. Take a list of your creditors at the time of approval and they will pay each one of them (usually at a reduced amt) and your pyment to the bank will be way less than what you pay out collectively now. |
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kjokergo11
 |
throw away those darn credit cards, and dont make the minimum payments on them each month at least pay off 50% of what you spend each month.
And If you cant afford to buy it, then dont!!!
I sually carry about $30.00 in my wallet and when that is gone in a couple 2-3 days, then i wont spend anything tell I acually go to the bank in person to ge tmore cash. Debit cards are an easy Excuse to get quick cash on a whim.
Cut back, be smart and you will not spend so much and be paying those bills off pronto
good Luck Rip the heck out of those credit cards, Put limits on the one you keep, and get rid of that Debit card. |
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Phyl
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There is an awesome book entitled, "Conquering Debt God's Way." Even if you aren't a Christian, the plan is quick, easy and most importantly, EFFECTIVE! You can get the book off amazon.com pretty cheaply. Good luck! |
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erome Ho
|
Get jobs on multiple streams of incomes.
Learn the value of thrift, cash-flow and
no luxury and exgravancance. Ask yourself
whether can you afford anything?
www.SkyQuestComMedia.com |
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Brave
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Find a new boy friend. |
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Eureka_17
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stop spending money when you got bills!
www.brillig.com/debt |
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L M
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Go to the library and get the Book The Wisdom of Florence Scovel Shinn.
Read page 136 and 137 and buy something red for your living space, a table cloth, shades or curtains, place mats or simply some flowers. They must be red.
I know it sounds hokus pokus but you will get out of debt quickly.
Just try it. It works. |
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cluelesskat maria
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you got your self in to debt and you are the only one that can help your self,beause you alone know ,how you got into it in the first place, i saw an oprah winfrey show and her advice is a good one stop going to malls stop eating out side hotel foods . cut down your expenses, make a budget, stick to it when you get your pay packet first save a few dollars in a bank it will grow then budget for the rest of the month, the present debt you will have to sell something to repay take an extra job,
taking another loan to pay a loan is going to be a mistake beause the new loan interest is going to swallow you up, if you have rich relations ask them for help you just might get no for an answer but its worth a try, hope you solve this soon |
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azzrie007
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well most people nowadays got stucked with credit card debts. if that's your problem, better stop everything that involves credit spendings once and for all. |
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angela
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First of all, don't go any farther in debt. If you are still using credit cards, then stop and cut them up. Make a list of your debt. Start paying extra on you lowest balanced loan. When you pay that one off then put the amount you were paying on that one toward the next lowest balanced loan. Keep doing that and eventually you will get out of debt. Just be patient, it will take a while. |
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