Posts Tagged ‘debt Control’

Debt Collection is Not Credit Repair

There are firms that specialize in helping you negotiate your credit balances and settle your debt accounts for a fee.  Then there are collection companies.  Each type of firm answers to a different set of regulations.  If you feel a creditor is mishandling your debt, you should certainly check into it.  Just be aware that…

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Beat the Winter Doldrums On a Budget

DebtReliefZones.com can help you find freedom from debt, but staying committed to your budget will make all the difference in your level of success. It is winter in the northern-lands, and cabin fever is a threat, so I am looking for things to do without blowing our budget.  The following list excludes activities like watching…

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4 Ways to Still Save on Christmas Shopping

Once again, I am dealing with the problem of shopping for others, without buying things for us adding to our debt.  Put another way, I seem to buy more for me when I am looking for gifts for others.  I know it is a horrible habit, but as an undiagnosed ADD victim, I constantly get…

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7 Ways to Bring Back Holiday Joy

It can be tough to get excited about Holidays when you are struggling to keep up with the debt you already have.  Maybe you need some activities to bring nostalgia and FUN back into the season. Here are some reminders and ideas to give you back your holiday joy this year. Just say no.  You…

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Rising Debt Danger

Rising Personal Debt: Last week, The Federal Reserve Bank of New York released debt statistics for the 3rd quarter.  While noting that delinquent mortgages have decreased, the Household Debt and Credit Report states the total debt balance of mortgages has actually increased to $13.95 trillion, $1.3 trillion higher than the previous mortgage peak of $12.68…

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Spending Moratorium – Final Insights

Well, it has been just over the 6 months I committed to on my spending moratorium.  I have been able to save some money, so I can pay off some of my debt. I do not think I will continue on the spending moratorium to reduce debt, but I do think it has taught me…

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You Can Stop Unsustainable Debt by following these 6 Steps.

Unsustainable debt.  Whole nations struggle with how to control it, but you can be debt free by following these six steps. Make a budget.  Check what your take home pay is.  List your monthly obligations.  For this exercise, don’t worry about whether your monthly obligations are over your take home pay, just get the expenses…

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Word of the Day: Frugality!

DebtReliefZone.com Word of the day is Frugality! Frugality is a Great Word! I recently came across an article on frugality and thought we don’t value its sexy quality enough. That’s right, frugality can be sexy!  It makes life more vibrant because being frugal can make one think more about what one is doing -and it…

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7 Steps to Fast Recovery from Bankruptcy

ConsumerLawAssist.com Can help you find the right lawyer to advise you when and if you should file for bankruptcy protection. How quickly you recover from bankruptcy will totally depend on you.  Within two years, you could have a credit score over 640 if you are disciplined.  Within 2 years you could qualify to buy a…

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