Help with Debt Now

One of the first steps in tackling your debt problems is to write down all your outstanding debts with the interest rate you are paying on each debt. The long term aim is to be a 100% Debt Free. Perhaps you want to be Living on a Dime forever? How does that help? Quite often the debt owing is to many different companies at different rates of interest. You might have a mixture of mortgage, car loans, store cards, credit cards, etc. The answer is Help with Debt by consolidation.

Let’s give an example of sample rates in the UK – mortgage (5.5%), bank overdraft (6.5%), car loan (7%), credit card (15%) and store cards (20% or more).  Yes – those store and credit cards are a killer!

How can I consolidate? A first step might be to approach your mortgage company and ask to extend your mortgage and pay off all those debts at a significantly lower interest rate. This one step can knock off a large amount of the montly outgoings. While you are talking to your mortgage company, you can ask them to extend the length of the loan – say from 20 years to 25 years. Again this will reduce your monthly outgoings.

An alternative approach is to play the credit card game! You have seen all those offers on transferring balances to a new credit card company – they typically offer 0% interest for 6 to 12 months.  Watchout for the transfer fee – often about 3%. But even with this extra added to the outstanding balance, imagine the effect of 0% on debt instead of 20% – big savings.

To complete the game, you will have swap your credit card company after the 0% period!

So try to consolidate your outstanding debts into a more bearable amount – this can save you BIG.

Use our calculators below to help work out how much you can save:

Living on a Dime!

Dig Out Of Debt – over 1000 tips and ideas to help. Living On A Dime is known as one of the very best resources of its kind to help you get out of debt without depriving yourself.

Living on a DimeLiving On A Dime is known as one of the very best resources of its kind to help you get out of debt without depriving yourself. We’ve brought you literally hundreds of money saving articles, strategies, tips and recipes.

The Dig Out of Debt Series is included in the Living On A Dime Extravaganza.

    • Save over $10,000 a year on groceries!
    • Stop throwing your money away in the chaos and clutter!
    • Get out of debt even when you have kids.
    • Learn inexpensive but creative ways to make your holidays memorable!
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Credit Card Secrets

Worried sick about the SIZE of your credit card bills? Cut your bills in half with one telephone call. Lots of practical advice in this article to tackle credit card problems.

Crddit secretsThe #1 course will help ELIMINATE YOUR CREDIT CARD problems today:

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  • A neat little trick people have used to DOUBLE their credit card limits with 2 phone calls! (100% Legal and Ethical. These could be the best two calls you will make this year!)
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This course also tackles mortgage problems, loan debt, credit ratings, identify theft and so many more financial secrets to change your life. Complete with full money-back guarantee.

The Credit Secrets Bible™” contains more step-by-step, easy-to-learn, easy-to-use insider consumer credit secrets than any other home study course on the market. Step 1 – take the first step NOW.

Debt Relief Options to Help Ease Your Financial Burdens

Debt relief can help ease the stress of your financial burden. Having so many bills piled on you can feel like a weight on your chest. But, it is possible to eliminate debt and get the relief you need. Consolidating and negotiating debts as well as debt counseling are just three options available to you.

Debt relief can help ease the stress of your financial burden. Having so many bills piled on you can feel like a weight on your chest. But, it is possible to eliminate debt and get the relief you need. Consolidating and negotiating debts as well as debt counseling are just three options available to you.

Debt consolidation is a popular choice among many consumers. All outstanding balances are combined into one which normally can result in a lower monthly payment. Depending on your credit score and other factors, a longer term and lower annual percentage rate may also be applied to the loan. For a large amount of debt, you may need to use the equity in your home as collateral. If this method appeals to you, you must make sure that you do not start charging on your credit cards again otherwise, you will be in an even worse situation than your current one.

Debt negotiation is another option available for relief. This method involves using a professional company to contact your creditors to negotiate repayment terms. The negotiator will work with the creditors to lower payments, interest rates, and possibly even the outstanding balance. These types of businesses do charge a fee, so you may want to check out several companies before deciding which one you wish to use.

Credit counseling services can also help much in the same way as debt negotiation companies. The counselors will help by offering solutions to save money and cut expenses through creating a budget. Normally, you pay the company a lump some each month and they in turn, release payments to your creditors until your balances are paid in full.

Although there are other options available, these three are ones to consider if you need debt relief. Examine each option to make an informed decision to choose the one which is right for you and your situation. No matter which method you choose, make sure to be disciplined and determined and be positive that you will succeed.

For help in creating a plan to get rid of debt in three to five years, go to http://www.rapidlyreducedebt.com and make sure to get the free report for money saving tips to help eliminate debt

Help with your Personal Finances

The financial crisis has made life more difficult – for sure. We provide help with debt advice: articles, videos, tips and tools.

Many of our articles are syndicated on other Personal Finance sites. These articles are for information only – and you should consult your financial advisor before taking action.

The financial crisis has made life more difficult – for sure. We provide help with debt advice: articles, videos, tips and tools.

Many of our articles are syndicated on other Personal Finance sites. These articles are for information only – and you should consult your financial advisor before taking action.

Save your home from FORECLOSURE

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Save Tens of Thousands of Dollars on Your Mortgage

Before you send another hard-earned penny to your bank, there are some secrets about the lending game that you need to know.

  • Your banker knows these secrets.
  • Successful investors know these secrets.
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It’s time that you know them too. It’s true – without making extra payments or refinancing – just by learning how to use your existing assets to your advantage – you can save tens of thousands of dollars on what pay for your home. You could possibly even save hundreds of thousands of dollars, and put that money into investments that build your wealth – not the bank’s.

The rules of the lending game have changed and anyone could take advantage of these changes to create a clear path to financial freedom – if they know what I was lucky enough to discover.

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