You can get out of debt and regain your financial freedom in the shortest possible time. We are a non-profit debt management and credit consolidation company and we offer a free debt management consultation and educational programs that help you get out of debt. Now you can forget those days when you used to struggle under the financial burdens merely hoping to get out of debt. We offer top class debt management and credit consolidation services that help financially distressed families and individuals get out of debt and effectively manage their finances. No matter how grim your financial position is, give us a try to get out of debt and you will be glad you did. We maintain a team of highly qualified debt management and credit consolidation professionals who are second to none in helping you.
If you are finding yourself drowning in debts, remember that you are not the only one facing such a problem. Hundreds of thousands of people across the states are finding themselves in what feels like a no-return debt zone due to lack of good financial planning. Now you don’t have to be part of the masses who have no clue about how to get out of debt. If you are facing serious debt problems and are willing to solve these problems that have been giving you sleepless nights, look no further. All you have to do is to submit some information about yourself. Once we hear from you, we swing into action and offer you the right debt management and credit consolidation solution that is of immense help in getting you out of debt.
If you follow our instructions, you will get out of debt and will bounce back to a healthy financial situation in the shortest possible time. People across the country spend more than a trillion dollars per year on Visa, MasterCard, American Express etc. All these purchases made on credit cards are fine as long as people pay the bills every month. If you have found yourself in a crises due to debt, don’t give in. We offer a quality get out of debt solution that addresses the root of your problem and will allow you to experience the happiness of getting it under control again.
Whether your goal is to lower your monthly payments, reduce or eliminate interest rates, stop late or over the limit fees from being assessed on your accounts, or re-establish your credit worthiness in the shortest possible time, or simply get out of debt in a hassle-free way, you can count on us. Contact us if you have any questions on how to get out of debt, and we’ll be glad to help you.
Here are five things you can do today to kick-start your very own bailout plan.
Five Steps to a Cash-Only Lifestyle
Step 1: Make the commitment. This sounds silly, but the first step to living on cash is to make a firm decision. It shouldn’t be an impulse. Think about it, consider what sorts of sacrifices you’ll have to make. And don’t leave the family out of the decision: Going cash-only can mean some significant lifestyle changes – especially if you’ve been living a bit beyond your means. Talk to your spouse and make sure that you’re both ready.
Step 2: Hide your credit cards. I’m serious. Lock them away in your filing cabinet or safe, or put them in the back of your sock drawer or in an ice block in your freezer. Put ‘em anywhere you want – except your wallet. It’s a lot easier to say no to a purchase that involves leaving the store, driving home, fishing your plastic out of the shoebox in the back of your closet, getting back in the car, and driving back to the store.
I guarantee that, 99 percent of the time, that splurge won’t seem worth the extra work.
And one more thing: don’t cancel your credit cards. Part of your credit score is based (among many other things) on the amount of credit that’s available to you. In some cases, closing your account – and thereby lowering your available credit line – can hurt your credit score instead of helping it. As long as you’re not using your cards to rack up more debt, they won’t hurt you.
Step 3: Set a budget. If it’s been a while since you’ve lived on a budget, here’s a quick-and-easy guide to getting started:
- Add up your total monthly income – your pay and your spouse’s pay, plus any income from rental properties, side businesses, investments, etc.
- Add up your monthly fixed expenses – rent or mortgage payments, car payments, bills, etc.
- Deduct that amount from your monthly income.
- Add up your variable expenses – things like groceries, gas, and entertainment. Remember to leave enough room for emergencies – flat tires, vet bills, and broken plumbing.
- Deduct that amount from your monthly income.
- Divide the leftover cash, 60/40.
- Put the larger chunk into savings, and leave the rest of it for “fun money.”
That’s it! You may have to play with the numbers a little (and find ways to cut back on some of your variable expenses). But if you stick to your budget, you won’t have any reason to use your credit cards.
Step 4: Start saving. Seriously, I can’t stress this enough. Your budget (see Step 3) should include a pre-determined amount of money that you put into your savings account every month, without fail. To make saving even easier, most banks offer some sort of automatic monthly transfer – you just tell the bank the date and the amount, and the money will move on its own. Chances are, you won’ t notice it’s gone.
Step 5: Go without. This may be a strange concept for folks who are used to the “buy now, pay later” mindset. But, learning to go without – or simply make do with what you have – will help you keep your finances in check. Sure, it would be nice to have an ultra-modern kitchen, decked out in all the latest stainless-steel appliances and genuine granite countertops. But if your white, circa-1995 refrigerator is humming away (and keeping things cold) like new, hang onto it.
Here’s to the new (cash-only) you!
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