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Get Rid Of That Debt Your Path To Financial Freedom
illions of people in this people may realize that their
country are stretched home is too large now (empty
beyond their means, with nesters), and perhaps selling and
multiple credit cards, 2nd going smaller could help to ease
mortgages, high fuel costs, etc. the pain of that monthly mortgage
The stress involved has truly payment.
taken a toll on people when you
see all the ads for 2. Credit Cards – Just like
anti-depressants, credit mortgages, shop around for cards
counselors, and bankruptcy with the lowest interest rate
attorneys. It is overwhelming to available. Check to see if you
say the least. can transfer one card’s balance
to the newer/lower interest card
Is there a way for the normal without paying any additional
American to get out of this black fees. A lot of new cards out
hole of debt that we have dug for there have a grace period of one
ourselves? Of course there is. year with 0% interest on
But it will take some transfers. If you can do this so
organization, focus, and a little that you are down to one card
bit of time. Follow along for only, the amount you pay in the
helpful hints to get yourself out long term is MUCH lower than had
of debt. you paid the 5 cards with 25%
interest.
1. Mortgages – Shop around for a
lower interest rate. You can go 3. Taxes – Make sure that you use
online, or check with your local those deductibles – the interest
bank to see if perhaps your on your mortgage payments, kids
interest rate it too high and in school/daycare, any home
could be lower, possibly saving office items, and church offering
you thousands long term. Some statements. It pays to keep your
receipts year round. Should you that you are paying now. Most
get a refund from either the times you can save yourself
State/Federal Govt, take that between $30 and $60 a month.
money and either pay down your
mortgage, or pay OFF those credit 6. Consolidation – If you still
cards. Do not look at that refund have bills that don’t seem to be
money as an excuse to go dwindling or there are so many
shopping, no matter how tempting that it is hard to keep track of
that may be. paying them every month, consider
consolidating them into one
4. Look at your cars/car monthly bill. There are dozens of
payments. Are you driving a car firms out there who can help you
that really isn’t necessary? Do with this process. Some can often
you have a truck that you don’t contact the creditor for you and
use at all for hauling items, but negotiate a fixed amount/no
only for driving? See about interest.
trading it in for an older model
car, and take any additional You can make a dent in your debt
money from the trade and put that and still have money left for
towards your credit your personal enjoyment. Don’t
cards/mortgage payment. give up; just focus on what you
need to get down, get organized,
5. Phone/Internet Bills – With and slowly the debt will
broadband phone service so widely diminish.
available in most areas these
days, it may be wise for you to
see if your cable provider can add a broadband line to your type="text/javascript">
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About the Author:
S.W. Chadwick has been working in online businesses from home since 2000. She has written dozens of articles regarding entrepreneurial pursuits and online businesses. To learn more about working from home, please visit http://www.dowhatyouloveandmakemoney.com Copyright 2006, S.W. Chadwick, All Rig
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