Caryn Elizabeth

Author of "Branding You The Brand New You", Caryn home-schooled her 3 children before creating her blog in 2010. Teaching since 1986, Caryn authored, edited and self published several books including Brincely The Brave, The Mastermind eBook, My Grandma's Birthday, Top Tips For Spiritual Living and More. Featured by eZine as an article writing expert, Caryn specializes in Network marketing using the internet. Contact Caryn to create budget friendly websites starting at $100. Teaching online skill basics available. Call for quote 570-460-6961

Most commented posts

  1. Finding Likeminded Friends On Facebook – Would You Like Me? — 14 comments
  2. The Mastermind eBook – How To Form A Mastermind Group — 8 comments
  3. How To Explain “Definite Chief Aim” To Children — 7 comments
  4. How to change your negative thoughts to positive thoughts — 7 comments
  5. 10 Top Tips For Buying A House In Milford PA – Pocono Living — 6 comments

Author's posts

Attraction Marketing

Ardyss Attraction Marketing top 10 Secrets have you tried these?

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Debt Management Companies

debt management companies
Do you recommend the management of companies to reduce debt of its high credit card bill?

I have reviewed some of them out on the Internet and my doubts of how to apply for. Do you trust them? I heard that the balance is cut by 50% and completely to zero percent rate, but your credit is shot for many years later. You pay your debt in about 36 months. My debt is about $ 20K + i earn around $ 74K, which is enough to make my monthly Visa payment, but barely. Am I too much to be accepted by a management company debt? That companies are good? I know these companies charge a monthly fee, but it's worth, I'm sure. I do not want to apply the wrong company, however, charge me an extremely high monthly fee and scam me. Please help. Thank you. In addition, is allowed to use a credit card with a balance of $ 0 in it, once you start paying your bill through a costly undertaking debt management? Thx.

The way it does (if approved) is that you will pay your debts in full, effectively transferring their debt. Then in a lower paid interest rate. Any way affect your credit score in a negative way they are good at what they do and BBB / Verisign approved etc: http://www.esuperfind.com/lowermybills.php?id=tnh Experian is a company.

Coakley & Williams Hotel Management Company Welcome Video

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Credit Debt Relief

credit debt relief
Can you explain the difference between Debt Relief Credit Card program and Credit Counseling?

I'm trying to figure out what way to go with my financial situation. Are there other options for a person who remains in force with all the payments, but on the verge of economic collapse possible?

Credit Counseling: Credit counseling, or subscribing to a plan of debt management is a very common form of debt consolidation. There are many companies offering credit counseling, which is essentially a way to make a payment directly to the credit counseling agency, which then distributes the payment to your creditors. Most often, a credit counseling agency may lower your monthly payments by getting interest rate concessions from its lenders and creditors. Is important understand that in a credit counseling program, you are still paying 100% of your debts – but with lower monthly payments. On average, most programs credit counseling take around five years. While most credit counseling programs will not affect your FICO score, be enrolled in a plan debt management credit counseling is available in your credit report, and, unfortunately, many lenders look at the enrollment counseling similar credit to the filing of Chapter 13 bankruptcy – or use a third party to restructure their debts. Debt Settlement: Debt settlement, also called debt negotiation is a form of debt consolidation that cuts your total debt, sometimes over 50%, with lower monthly payments. Debt settlement programs typically run around three years. Is important to note, however, that during the life of its program of debt settlement, you are not paying their creditors. This means that a debt settlement solution debt consolidation will negatively impact your credit rating. Your credit rating not good, at least for the term of your debt settlement program. However, debt settlement is usually the faster and cheaper to debt free, with a low monthly payment, while avoiding Chapter 7 bankruptcy. The dilemma here is a negative credit rating versus saving money. Although there are many forms of debt consolidation, many people with good credit who own homes perfect must take into account the debt consolidation loans, while consumers with high credit card debt and poor credit may want to explore debt or debt negotiations. However, each consumer is different, so finding the option that fits debt consolidation for you. Finally, here are some quick tips for your own debt consolidation quick Reviewer: 1. If you have perfect credit and have equity in your home – to consider a refinance mortgage. 2. If you can afford healthy monthly payment (about 3 percent of its total debt every month) and if you want protection from criminal to go back and – It is recommended credit counseling. 3. If you want the low monthly payment and want to get free of debt for a low cost and short period of time, and is willing to address the adverse impacts of credit and collections – then evaluate the settlement of debts. 4. If you can not pay a monthly fee (less than 1.5 percent of its total debt of each month) – to consider bankruptcy to see if Chapter 7 could be right for you. Bills.com makes it easy for you to apply for traditional forms of debt relief. I hope this helps you find information. Learn and save the best., Bill www.bills.com/blog/

National Debt Relief Group

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NetDivvy Internet Marketing

How To Create A NetDiVVY Landing Page And A AWeber List For PeopleString

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Non Profit Debt Consolidation

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What are my options for paying a debt + 30 000?

I have 25 years and have accumulated credit card debt of $ 30000-3 credtors different over the years. I was making the minimum payments until I reached my extravagant spending. I've been doing the bare minimum monthly payments on my card Visa. In my Bank of America and AMEX credit cards, I've been delinquent in payments for more than eight months. The creditors are constantly calling me at home and work harassing me. I have the intention to pay back my debts in full. Just wanted to see how the experts or anyone with experience that would My options available to reduce my interest rate and pay my debts faster. I know there are a lot of scams out there and I've read about 'Non profit "credit consolidation agencies that are actually more harmful to the management of debt plans. Bankruptcy is not an option for me. I have the intention to pay back my debt no matter how long it takes. Any advice would be greatly appreciated. Also: Can they freeze my checking account?

Talk to your creditors. Be honest about your financial situation. I found myself in a similar situation after working for long in a badly paid jobs and have to put the tuition credit on my card. 1. Speak to them about how to work with you to take under those stocks. Are you willing to lose interest rate, even temporarily, so you can begin to catch up? The late fees and penalties to eat you alive to find a way to make the minimum each month. 2. Check your budget. Cut everything that is possible or reduce other things. Can you live with a cell phone plan is cheaper or no phone phone? I was paying on a cell phone and home phone for myself. Bye bye home phone — $ 45/mes additional payment by credit card. Could cut the cable / internet / electricity bills at all? 3. Sell things you do not need. Wherehouse.com buy cds and dvds. Half Price Books going to buy books. Have a yard sale. 4. Clip coupons, shop sales, do not buy a single thing yet is not necessary. Once you have squeezed every penny Your Budget: align three bills credit card. Pay the minimum plus $ 1 for those with the lowest interest rates. You pay every penny possible you can toward the third. Credit card interest is compounded daily. You can break your payment in several installments and weekly payment instead of a large payment on the due date. This will reduce the daily balance a bit and save some interest. Make a spreadsheet that shows each and complete credit card every month. Know what your balance is reduced each month. Knowing what you spend on interest. I hate that number. Whenever you are tempted to buy something, consider the payment of interest. I paid 31K in about two years with a salary 40K. I did not use a credit building or outside any help. I just had a long conversation with me about my income against expenditure and made a budget that could follow. Is it fun? No. I do not buy new clothes for most of that time. I went to the grocery store each week with a list and coupons. I did not go to movies or to restaurants. I used the library. I walked where I could be driving. I forced myself to put $ 25/week into savings so that if a medical bill or expense unexpected happened, I would not have to use my credit card for anything. I took my card and left my wallet at home. You can not cut all the latest or you'll never stick with the plan. I kept Netflix and basic cable. I cut satellite television and movie channels. I stayed in my apartment cheap Instead of moving into a bigger place. When my car died, I do not buy a new one, took a lease cheaper for me to be able to have a low monthly payment and will continue to focus on paying my debt. I started buying store brand staples like dish soap and socks. Was it worth it? Yes, you can freeze their checking accounts, if you are brought to court and obtain a ruling against him. In many states, you can also get an order to garnish your wages. Once things get to that point, you're stuck. If you can negotiate something with them in advance, you will get better. If you want to email me, I can help you set and a budget. Also has great calculators www.bankrate.com to find out how long it will take a card to pay credit / debt. It is a nice reality check.

Money Management : How Do Debt Consolidators Work?

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Debt Consolidation Companies

debt consolidation companies
Has anyone actually had success using the debt consolidation companies?

I wonder if anyone has had some success with debt consolidation companies and if, what is the process of it? How it works and actually works to reduce your interest rate / debt? And what company (s) you used? Thanks!

Do not! I know a lot of people using the so-called "debt consolidation" companies that went further in debt. No matter what, you always need to pay what you did not pay .. . Frequency promise to remove things from your credit card ….. not fall into this, you can dispute inaccurate things yourself. In the long run, may end up owing the company for debt consolidation in itself …. could be worse! Stop loading, start paying cash. Pay all your current accounts at the time, and maintaining current accounts at the current healthy and in good condition. Review all your credit reports then learn to live with a budget so you can start repaying your debt. Ex: Shop cheaper, instead of going out to eat, temporarily lost the prodigal you do not need, like an $ 70 bottle of lotion. Meeting of eBay and Craig's List is a great place to sell things you do not use. You can get a little more $ $! One of the first steps to control debt is to control how they spend money. Especially if you're spending money you do not have! Then make arrangements through e-only collectors. Develop an agreement to pay. Ex $ 50 per month for each delinquent account. Then ask for a letter of withdrawal once the debt is paid off. Make sure you get in writing if they agree. In terms of reducing finance charges, you may ask yourself. Just write and ask. Or, if it comes to your credit card company, call and ask. Good luck!

best debt consolidation companies

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Credit Card Debt Consolidation Loan

credit card debt consolidation loan
Should I get a consolidation loan debt to pay credit card debt?

So it all amounted to more than 4 credit cards I have about $ 9,000 worth of the debt. I have lucky enough to have never missed or been late in payment, but is quickly my balance reaching its limit when the active interest and I am in danger of over-writing on three of the four in the coming months. I simply do not have enough income to do more to pay the minimum payment each month, so in theory it will never drop balance. I've heard all kinds of negative things about loans debt consolidation but honestly I have other options at this time? Would it be as simple as entering my bank and try to get a loan for say $ 9000 for pay all out? There seems to be more than that. Looking forward to hearing from someone who knows more about it. My income is about $ 45,000 if that helps, thanks. . .

Yes, you can get a loan to pay off your credit card debt, but payment would go up. Cosolidating recommend to pay the debt. They can provide a lower interest rate that your cards so they do not racking up as much interest as you would in the cards. I am concerned however that you will not be able to afford the monthly loan payment consolidation. I think you should meet with a financial advisor (or anyone who knows how to budget) Set everything and see if there is anywhere that can reduce so that you bring together the money needed to make a higher monthly payment. Then, if you have the money to pay the debt, not to get into debt. Cut up your cards. Put them in the freezer. At least for a while.

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Debt Consolidation Refinance

debt consolidation refinance
Getting rid of debt?

I see tons of commercials to get rid of credit card debt by refinancing your mortgage or home loan. The problem is they do not own a car or home, work part time, and I am a full time student. Are there companies that make consolidation debt, etc for people like me?

There are debt consolidation companies that work with you, but I recommend their use. As a rule, are not doing anything you can not do on their own, and are charging that "Service." Here are some things you can do to make your debt to a manageable level. 1. Stop spend money on things that do not need. A large coffee a day is about $ 1.50 to $ 2.00, which is about $ 45 – $ 60 a month. The same goes for bottled water service cell phone, rent or buy videos, games, CDs, etc. .. Spend that extra money to pay for credit card with the highest interest. 2. Apart a little money each month to pay an additional important on a card that has the greatest interest. Even if it's only $ 5 is TONS better then only pay the minimum. As you reduce what you owe, the amount you pay in interest each month, will allowing you to pay off debt faster. 3. if you still is having trouble making payments for any reason, call the credit card companies. Tell them your situation. They prefer to work with You then send the bill to collections. There is much we can do, such as reducing interest rates, or allowing you to skip a month or two without penalty. Good luck.

school loan consolidation – Consolidate your student loan quick and easy!

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Debt Settlement

debt settlement
New rules for the resolution of business debt without charges for more advanced, better disclosure and bank accounts to guarantee payment in advertising payment of debt is almost irresistible overextended. They do sound almost painless process, and some even promise that government programs step on the debt.
Dont wait any longer, Get out of Debt Now

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Bad Credit Debt Consolidation Loan

bad credit debt consolidation loan
I need a personal loan of $ 5,000.00, but my credit is bad, and does not have enough debt to make debt consolidation?

I combine my debt, but I have enough debt to qualify for debt consolidation program. please help

You'll have to find a way pay the debt on their own. Are you currently employed? How much further can put on your debt each month? Can you get a second job for a while? Here are some steps that will help, but only if you have a job (or two). ONE: catch up with their payments and making a monthly budget of two: Make the minimum payments of all your debts and save up to $ 1,000 in the bank for emergencies. THREE: List all your debts, lower proportion than most. FOUR: Finding extra money each month to pull debt for the first time on the list (the one with the lowest balance) and keep doing this until the debt is paid off. Then add the minimum payment of debt to the next in the list, and every month to throw extra money in your budget will allow him until he is paid off. Repeat this process until all debts are paid. Depending on your current income, you may have to get a second part-time job delivering pizzas or in retail for this to work, but the good news is that it is only $ 5,000 and not $ 50,000, so it should not take too long to complete. In addition, if an emergency comes up and you have to use some or all of your emergency fund, then place back to pay the minimum to all debts until you can get the new emergency fund to $ 1,000. Once this is done, resume FOUR step. Good luck!

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