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…

Read More

“Gratitude turns what we have into enough.” – Melody Beattie, bestselling author. In the movie Wallstreet, iconic speech by Gordon Gekko declares “…Greed, for lack of a better word,  is good. Greed is right.  Greed works…”  Gordon was wrong.  Drive is good.  Inspiration is good.  Desire to improve the world is good.  Pure, unadulterated greed…

Read More

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…

Read More

According to the International institute of Finance, Global debt is the first 6 months of 2019 surged by $7.5 trillion.  I can’t even imagine that many zeroes, but if governments around the world can’t balance budgets, how will you and I budget our households? What if you have been doing better than you thought?  I…

Read More

Ouch!  This season of joy is seriously crimping my wallet!  It’s okay.  I expected it and because becoming free of debt is so important to me, I am working to stay focused on gratitude for what I have, not on what I want.  As one blogger recently posted, consumerism has a negative effect not just…

Read More

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…

Read More

Yesterday a friend shared with me one of her family holiday traditions.  Each member of her family draws the name of the person they will make a gift for.  I LOVE this tradition. Yes, it requires creativity, patience and talent. Because each is only making a gift for one person, they can take time to…

Read More

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…

Read More

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…

Read More