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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We rang in the new year, and for so many of us, the bills are starting to come in.  Yes, you will need to get the extra charges paid off, but there are other things you can do to think ahead for next year. Get inspired by the journey to Debt Freedom in 2020 by…

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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…

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We are in the final quarter of 2019, and facing the most dangerous spending months of the year.  It is time to make your holiday budget plan and your new year’s resolutions for debt free living in 2020!  Here are five hints I’m following this year as part of my resolution to be debt free…

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I am constantly looking at fresh approaches to debt freedom, so when I recently came across the 30 day savings rule, I liked that it has a lot of common sense behind it.  Impulse purchases can quickly derail any debt reduction or debt elimination plan, but impulse purchases can be so tempting.  When you see…

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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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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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Don’t panic over oil prices following the Saudi attack.  Make this the right time to revisit your household budget to see where you can cut if fuel prices stay up. Whether you rent or own, you can complete a simple worksheet to see the amount of your debt and what it would take to pay…

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