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dntbates | Is debt consolidation an effective way to pay down a debt of $40,000? I make $65,000 a year.? |
Is there a better way? HELP! |
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Will Mundy
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Nope. You make plenty of money. Just decide you are going to pay the bills and do it. Learn to quit blowing your money and save. |
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d s
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debt consolidation companies get the percentage rate down and they also take a percentage from you as a fee. i'd suggest taking as much as you can afford to pay the little bills off with the highest interest first and go down the line. this is waht i have been doing for the past 3months i'm almost to the next big one by the first of the year i can start on this one but i have refused to use a debt con place becasue it'll show up on my credit score and i can do it alone |
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Shortstuff13
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Yes, it's a good idea & keep your good credit intact. |
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Bethany
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Only if you have the self-discipline to pay this debt without increasing it again because then you would be in a much worse situation than the one you're already in. Also, whenever possible pay more than the required amount so that the balance (and the interest) can be eliminated as quickly as possible. |
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boricuaviajero
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It depends on the type of debt you are in. If it is credit cards, by all means get a loan. Check interest rates, terms and conditions. The lesser amount you owe the better. Set some money aside as emergency funds.
GOOD LUCK! |
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tim t
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Opt for a debt consolidation loan: The easiest method of getting a debt consolidation loan is to utilize the equity of your home. Equity of your home is calculated and determined by the difference in the amount you have paid and the amount you owe. If the amount you have paid is more than the amount due, you can use it as collateral. This allows you to borrow money on lower interest rates. Besides, you also get tax benefit on this type of loan. Consult your tax advisor before opting for this loan.
http://debt-trap.com/category/Debt-Consolidation-Basics.html |
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skiracer712
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debt consolidation is for if you have multiple debts that you need to pay off and your montly "bills" are higher than your montly income or not enough to live off of when your done paying bills. a company pays off all your debts, charges you a fee, and then you owe them a smaller monthly fee. it takes a lil longer to pay off your debts, and costs you more, but it helps you get by.
so odds are its not for you if you owe 40k in say student loans or something |
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madsmaha1
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If you find a good firm to help,,,some are scam artists just like everyone else.. |
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watertownjaggerblue
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yes it a good way but after you pay down the debt don't make anymore it alway a good feeling to have your whole pay check where it all your and nobody else so good luck |
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Laura J
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Yes, because they will take down the interest to something manageable with the agreement that your cards are all closed to you and that you pay them a minimum fee included in your automatic payment. They will budget the most conservative amount and you are going to have to treat it like a smaller second mortgage and the minimum amount of time it will take to pay it off is 6 long years if you are making only 65,000.
They are flexible in that they will give you the option of paying more if you can any time you like.
I'm so sorry our gas prices have affected our economy to the point that you are not alone. You may be making 65,000 but the value of the dollar combined with inflation caused your annual salary to be 40% less than what it used to be.
Thus, the population is going into debt.
Join a home business, fast! People don't realize that they are flushing 30% of every dollar down the toilet by not claiming their mileage if they own a home business. |
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shiprepairwoman
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Depends, if you have a lot of little debts some at high rates and some at low rates you would need to do the math to see if you would lower your average rate enough to be worth it.
If most of your debt is lower rate I wouldn't consolidate since you can pay off the high rate first to lower your average.
When you consolidate you may lower your monthly payment but increase the term and rate on lower rate loans.
Say you had a car loan that had 4 payments left of 500 that made up 2K of your total debt in 4 months you would have a smaller monthly payment total. If you consolidate you are spreading that debt over maybe 5 years instead of 4 months and maybe at a higher rate. |
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purplefuzzys
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no |
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rob r
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learn to play poker very quickly |
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