How do you get out of debt w/out going to debt consolidators?
Answer:
hello, check these links, then decide what you want to do, they might even get you to change your mind!
see the FAQ on the first link down but really there's plenty of advice throughout if you have time to read:
http://credit-cards.ebookorama.com.
http://finance.ebookorama.com
http://credit.ebookorama.com
http://credit-repair.ebookorama.com.
good luck!
if it helps please remember me cheers
Pay off your debt.
Get a Personal Line Of Credit at your bank and consolidate you debt into one. Then pay it off slowly.
get a loan with an acceptable interest rate and pay off all debts under that loan, call credit card company and see if they will let you settle your debt and for what amount.ask to waive late fees and lower or remove interest for awhile. Get a second job to help pay off debts.
Simple.
Calculate all of your monthly debt
Calculate the total income.
Subtract the difference.
That is all the debt consolidators are going to do. I personally feel that the debt consolidators are very dumb to waste your valuable time with.
talk to a financial counselor or go to debt seminars. u can also find tips on the web. Oprah had a "debt diet" on her show that gave good tips. its a lot of things u can do w/out going to consolidators.but u have to stick to it! good luck.
1. Get on a budget. You need to be sure you are not spending more than you earn.
2. List all Debts. Include balance, interest rate and minimum payment.
3. Pay at least the minimum on all debts every month.
4. Apply any remaining funds to the highest rate debt first.
5. As each debt is paid, apply that payment to the next highest rate debt.
If necessary find another source of income.
Make a budget and stick to it.
Control impulse spending and only buy things that are essential.
The government provides too many public goods (parks, libraries, museums, etc.) that you can do without incurring significant expense and staying within your means.
People first.
Money second.
Things last.
In that order!
And if you have children, help them to understand that NO means HELL NO!
Strategies to Reduce Debt Quickly
http://www.complete-debt-info.com/catego.
Ways to Consolidate Debt
http://www.debt-explained.com/category/w.
These articles should help you:
Debt Management and Building Wealth
http://www.askaquery.com/answers/qn1581.
How to lower your debts?
http://www.askaquery.com/answers/qn1576.
How to reduce debt : How to lower your expenses?
http://www.askaquery.com/answers/qn1577.
Try this method, it worked for me and its based on common sense! http://www.quazen.com/home/personal-fina.
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