Reasons To Consolidate

Stop Collection Calls
Lower Monthly Bills
Free Credit Counselors
Repair Your Credit
Get Out of Debt For Good
Foreclosure Facts
Loan Modification
Debt Elimination
Debt Settlement
Debt Negotiation
Personal Debt Freedom
Debt Management Plans
Debt Consolidation Guide
5 Steps To Debt Relief
Types of Debt Relief
Tips To Reduce Debt
Understanding Tax Debt
Payday Loan Relief
Debt Negotiation Letter
Debt Verification Letter
Credit Card Help
Credit Card Rules Changes
Store Credit Cards
Fix Credit Card Debt
Debt Consolidation Loans
How Debt Consolidation Affects Credit
Free Bill Consolidation?
Reduce Your Debt
The Debt Snowball
Financial Planners
Medical Debt Guide
Seniors in Debt
How to Keep Your Job
What if You Don't Pay Bills
Wage Garnishment
Mortgage Hardship Letter
Get Out of Debt
Bad Credit Personal Loan
Life After Bankruptcy


To debt is to live

America has some things in common, death, taxes, and debt! We all have to live with debt to some degree or another, it is inevitable. But there are huge differences between a low interest student loan to get you a better paying job and that 18% department store credit card! Know the difference between good debt, low interest smart borrowed money, and bad debt, high interest lines of credit for things you can't afford and probably don't need anyway. Use the strategies outlined below to find some easy to use tips to get out of debt and stay that way. Learn to live with some debt but not let it overtake you and your life or ruin your credit.

Debt to income ratio

setting a budgetFind out where you are financially each month. Go online and use a debt to income ratio calculator to see what you are making versus what you spend. Many people don't know the answer to that simple question, don't be one of them. Knowing if you are spending too much each month is critical to staying out of debt.

Cut those cards

Credit cards are here to stay and more and more a part of your daily life. You do have options though, and need not become a victim of your credit cards. Take them all out and prioritize them from highest to lowest interest rates. Get the highest cards paid off or balance transferred to the lower ones today. Keep a couple cards, the lowest interest ones, and cut the rest up and throw them away. Don't be tempted by new offers.

Call and lower your interest

Calling your creditors may seem like a useless proposition but you may be surprised. Lenders are willing to work with you to lower your interest rates you are currently paying, but you have to ask. Take the time to call around and let them know you would like to stay their customer, but that you are getting offers from other lenders with lower rates. Look for them to compromise.

Plan for success

Make a financial plan to pay off what you owe and not spend more than you make. A simple but realistic budget that you can stick to and meet your financial obligations each month. Cut back on what you don't need and keep on top of your money to stay debt free for life.



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