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Here are the sequence of steps involved in getting out of debt
1, Identify your total debt.
2. Categories your debt according to its nature like housing, auto, credit card, Personal Loan
3. Whenever you get money in your hand, pay-off debt in this order
i) credit card (due to its high interest rate)
ii) Personal Loan (pay-off and focus on getting loan only for your need and not for want)
iii) Auto Loan & Housing Loan (pay-off slowly - eventually it will turn out to be an asset)
You made very good points. But, I believe a big component to reducing personal debt is not to use your credit cards at all. If you need an item or a service, then you need to save money for the purchase first.
Children need to begin to understand money starting at a young age
This article emphasizes the importance of teaching your children to manage money starting when they are very young. The best ways to teach young children to learn to save money are explained. read more
The question on everyones mind these days is how can I get out of debt? Are you paying too many bills and looking for a solution? Do you have money problems that revolve around debt? Millions of people live with debt that they cannot afford and it... read more
Credit cards have become a financial horror in the United States in the 2000s and 2010s, because of increasing interest rates, service fees, late fees, and over-line penalties. At the same time, conspicuous consumerism in the media is urging the... read more
If you are a homeowner whose home is worth less than it might sell for, then short sale information may help you make a better choice when facing prospects like foreclosure and the need to get out of debt with your home. read more
Instant Visa prepaid credit cards - are they worth it? What are the benefits to using a credit card with your own money as collateral?
In my case, having a Walmart prepaid Visa credit card has helped me reign in my expenses and helped me avoid... read more
Keep more of your money, or at least give it to a worthy cause. Public Domain Getting into perpetual debt is something no one tries to do purposefully, and yet it is a reality for many people. Getting out of debt is hard for some, but it is a... read more
Need a student loan but can't get a cosigner? Learn the steps to getting student loans without cosigners. read more
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Whoo-hoo!! It’s here! I’ve heard about these but never got one before! Hurry call the number before the offer expires, YEAH!! Let’s go shopping!! Hold the phone! Put on the brakes! Read the fine print!!! Just because it says... read more
College students are often seen spending too much at restaurants, movies, shopping arcades, etc. Some pay cash, others by wielding a credit card. Some parents opt to give their children an add-on card for which they expect their son/daughter to pay... read more
Weddings are not cheap! This writer explains how to save money on your own wedding but have a beautiful day to remember. She gave her son and daughter-in-law a beautiful wedding on a shoestring budget. read more
Learn the requirements for an FHA home loan and some tips on how to qualify. Getting a home loan through the FHA is easy if you follow these steps! read more
Reviewing the family budget when times are tough can assist in getting debt under control. Keeping track of credit card balances is an important aspect of the budget. read more
Credit cards are indeed very convenient. They’re not just easy to get but they are also very convenient to use - and a lot more safer to carry than cash. Everyday, you are probably bombarded with various credit card offers from your mailbox,... read more
One solution is to join a jungle survival training. This way it will teach you a lesson that every bit of what you have is essential so there is not need to buy more stuff where others are found wanting.
Use credit cards with caution. If you have credit card debt stop using the cards until they are paid off. Consider a home equity loan to consolidate debt if your credit cards and other outstanding debt is high so you can pay less interest. Whether you choose to pay down your credit cards or get a home equity loan pay as much as you possibly can each month to pay off the debt. Once paid, do not use a credit card unless you can pay it off each month. That is the only way credit cards make sense. Then, you can actually earn money or rewards for the money you spend. I get a check every month for using my credit card and I do not pay any interest because I pay off the balance every month. I am earning about $40.00 a month this way.
Today I will discuss the queries and problems associated with getting student loans provided by banks for higher studies abroad.
Student loan rule in India says that,
For loans up to 4 Lakhs INR, no security and/or collateral is... read more
The dream of owning your own home is a distant vision for most. Mortgages that last a lifetime means the average family will be obligated to their bank every day of their lives. Paying more off your mortgage can save thousands of dollars over the course of the home loan and bring other benefits as well. read more
When it comes to getting the
perfect details from the Internet, the best bet for a writer is to provide
accurate step-by-step information. I learned this thing a few years back and
applying this till today. So if you are searching for getting all... read more
How did the current economic depression happen? Who is responsible, and what effect it is having on the average American. read more
This hub answers the question "How does a car title loan work?" It gives an honest opinion whether or not people should turn to car title loans as a means of having quick cash. read more
This hub is a presentation of a biblical perspective on the money and finance. Find key biblical principles relevant to finance management including areas of giving, spending, saving and investing. read more
This article is shares about the reasons why car buyers should get pre-approved car loans. Also, it gives some guidelines as to how to get pre-approved car loans. read more
Did you know that a 3 percent increase in inflation annually over an extended period of 14 years will result in 50 percent increase in prices? You can fight inflation by shopping to beat it.
When inflation hits the grocer's shelves we watch prices rise on the frozen and canned vegetables. But even though inflation is affecting the vegetable processing industry, it will not effect what you buy fresh or grow yourself. A wise shopper will always find alternatives to inflated prices. Learn where the bargains are and what is in season at the super market.
Train yourself to comparison shop. A comparison shopper knows where the best bargains are located, so when a particular item is needed in the household, that is where you head to save money.
Comparison shopping can be done while shopping for needed items. Say you are shopping for a pair of pants and make several stops at different shops in a mall to get the best deal. As you walk through the shops, note the prices of other items such as shirts or blouses that are displayed near the pants, and compare the prices between shops. Don't compare the sale price, but the regular retail price. Also check the mark down racks to learn where the best bargains can be found, so some time in the future when you need a shirt or blouse you can return to the lowest priced shops.
This also carries over into grocery shopping as well. Sometimes a store will have reasonable prices on quality meats and dairy products while just across the street the prices are better on frozen items and produce. Shop accordingly. Purchase your meat and dairy products at one store, then cross the street and purchase frozen foods and produce.
There are also bargain outlets that carry damaged freight, dented cans, discontinued merchandise. Learn where these are located in your area and shop there first. Then with a list in hand, shop at regular retail outlets.
Save money by shopping less frequently. If you change from grocery shopping once a week to shopping once a month, you will cut your food bill considerably. Sticking to a list will get you in and out of the store with minimum cost. To do this you need to keep a supply of staples on hand.
Never go shopping without a list, then buy only those items on the list. This is of primary importance when you find you have to visit a store between your monthly shopping trips. Not only will this cut down on the number of trips to the store, but it will save time, gasoline, and money.
I've just published an interesting hub on this week's weekly topic!
http://hubpages.com/hub/Borrowing-To-Bu … hink-About
There are several banks in India,
which provide auto loans at attractive interest rates, but before applying for
a car loan in India, you need to know about whether you are eligible for an
auto loan or not. So below are a few common tips to note... read more
These days, builders are providing options to book flats even before construction. It is a win-win situation for both consumers and the builder, as builder will get the sufficient funds to construct flats and consumers will get the flat in pretty decent rates. read more
Buying a home and getting a
mortgage is probably the biggest financial decision many of us ever make with
our personal finance and along with the mortgage insurance such as mortgage
life insurance cover is often recommended.
This article... read more
Every governments need fund for
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the remuneration for the officials, government needs fund. Where do these
funds come from? As they are keep on spending on one thing or the... read more
Buying a home and taking out
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I run a small business. Most of my friends and colleagues are small business owners. Every single one of them is in debt. There is no respite from this. According to economists, small business owners have to learn to live with debt. I've had a small... read more
HELOC loans are normally taken
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withdrawal period of 5 years and then you can withdraw any amount within the
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There is life after bankruptcy. Learn to rebuild your credit after bankruptcy, by taking small loans, opening a new bank account, getting a budget going, and making sure your utility and rent payments are counted in your credit score. Shows how to take these steps. read more
Learn the steps to properly filing bankruptcy in Indiana including tips on which chapter you should file and why... read more
The complete guide to the French tax system from who pays taxes, where the money goes, when to pay, and a few strange facts about taxes in France! read more
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To run a country and to provide infrastructure, government need funds and they take it in the form of taxes. The tax government takes should be justified and there should not be double or multi taxation imposed on citizens. read more
Short formula to help you find out what percent of your income you should save and how much to spend. Cheers.... read more
Just because you are up to your ears in debt, bankruptcy need not be the only option. Here are some alternatives to look at before taking the last resort seeking bankruptcy, a condition that brings with it a stigma that will follow you for many years to come. read more
It is always better to first pay off your loans and then start investing to grow your money. Without loans on your head, you will feel relaxed and later it will be easy for you take fresh loan if required. read more
French taxes are higher than American taxes and are among the highest worldwide. If you are a French resident (you spend more than 183 days a year living in France) Tax is also collected on income earned worldwide read more
Start making regular payments to your creditors, even if you can only pay them a small amount. If your creditors see that you are committed to sorting out your debt, they will give you some leeway while you figure out your long term repayment strategy.
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