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Steps To Get Out Of Debt In 2010
Bel Albino
Bankruptcy and foreclosures are scenarios that can be avoided if only in the first place, they have not acquired those debts or simply didn’t spend above they can afford to pay. But then again, in this time and age where credit cards are almost a staple, it’s been very hard to avoid temptations. Hence, I gathered practical and simple steps to rise from the hole of debt.
No No No to Credit Cards
First, cut into half your credit card. No joke, I mean it because the first step in fixing your financials is to totally avoid the temptation of shopping for not important things. The impulse of buying is there even if you cannot afford it because of the accessibility of credit cards. Let me remind you of my favorite learning’s about wealth- “Use the power of cumulative interest to benefit you not against you!” Credit cards have interests soaring high because of the power of cumulative interest, this is working against you. Whereas, if you got investments in mutual funds, the cumulative interest is working for you, creating you an exponential income, your future passive income.
Pay the with the Highest Interest
Once you have eradicated the use of credit cards, face your obligations now.Use your mathematical ability on this. Again, backed up with the idea of cumulative interest, know which yields the highest interest or those with the highest interest rate and make it the priority to pay it. In the end you would be thankful you did this because this is the big chunk of your lies.
Negotiate
Call your credit card company or your mortgage company and negotiate credit card for a nice payment scheme. You would be delighted to learn they are more than willing to lower your monthly dues after all its better to collect something than nothing at all. Compute, compute and compute again how much you can really afford versus the interest, prolonging the debts will also yield higher interest so make a good judgment. You could also ask banks to waive certain amounts, penalties and charges for your advantage.
Debt Consolidation
Some people are not that mathematically inclined or not that organize to compute and prioritize which among his’ debts he should pay off first. Hence, it would be a lot better and a lot efficient to consolidate all your loans in one. Its more convenient as well to handle one collecting officer than two or three. There are different companies offering consolidation help which you can go to. Just always make sure you know every details of the contract you are entering with the. Some companies also offer relief programs and Christian relief which you can take advantage of.
After consolidating your debt, be responsible paying you monthly dues till end and vow to yourself that you won’t be a prey to debts and high interest again. Once done, you can finally welcome your FINANCIAL INDEPENDENCE.
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