Tag: christian

I owe so bad !!!!!!!! what type of consolidation is the best? Or Where should in turn help me?

I have read that the consolidation w / most companies the means to take the money and put it aside until I've paid them …. This means that bidding w / me and get debt collectors a cheaper …. settlements and charge me a fee "consolidated" and pay them when I finished paying the full amount – which in turn does not help me a little credit! I can do that by putting myself so what can give a hand and make a deal w / a lower my total ….. that low-income AM, already receiving food stamps and accessories health throughout the state, and heating assistance …. I still can not make ends meet … I tried through my bank, but my credit not good enough …. I need a solution to help me turn my credit around and get those debts as quickly as possible paid off …. Anyone have advice?

The only person who can help …. you are you. Get out of debt is like trying to lose weight. Another person can not diet for you. You have to diet to lose weight. Therefore, you can only get out of debt. Borrowing money to get out of debt is a stupid idea. When you need to lose weight … you eat no more. If your stuck at the bottom of a hole …. no longer touch a shovel and trying to dig his way out. Do not fall for consolidation loans, etc. When you want to lose weight … you must take in fewer calories than you burn. When you are trying to get out of debt … you have to spend less than you do. His "go" has to be less than its "in come "and every extra penny you can discard up must go to repay debt. … So you must do two things …. reduce costs and increase profit. It's easy packing on the pounds. It is an itch @ # lose. Light weight much faster than what comes out. debt in the same way. The debt comes …. fast, but can take a out very long. As weight loss … get out of debt takes commitment and focus. You must be a financial diet. Prepare a written estimate and stick to it. Watch your accounts – what can you cut? For example: Get rid of cell phone and get a prepaid phone. Now you have something for emergencies only. So … If stranded on the road you can call for help but not for friends and family to call him. Reduce cable basic package. In the winter … set the thermostat a few degrees lower. No more eating … or fast food. The only time you see inside a restaurant if you're working on it. Then look at what you can do to increase your income. If you work full time … take a part time job in the evenings. Rake leaves in the fall …. and a snow shovel winter. Place an ad in your church bulletin and cleaning houses. The person responsible for a good home is a great advantage and most are paid in cash … under the table. If you is a housewife …. run an add in the church bulletin and take a kid or two for the nursery. Check with your state to see what the limit is in a nursery home. Are you crafty? If you can knit …. make socks, afgans, dishcloths and sell them on your local flea market on weekends. In my town, a table at the flea market is $ 10. Price to sell their crafts. Make some money on each one, but not on price. Go to your local library and check look at Dave Ramsey Total Money Makeover. Hell, if you put in your program … he can give you a free copy of it. I highly recommend you take two weeks and hear from Ramsey show Dave every day. You can go to their website and find the radio station in your area that sells. The only thing that will cost you is time. The radio is free. Www.daveramsey.com You can get out of debt. Just like losing weight: It is not easy. It is not fast. It's no fun. But with a plan, focus and determination … can do it!

Can Bad Credit Debt Consolidation Help Your Credit Score?