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Five Reasons To Get Out Of Debt

(category: Debt-Consolidation, Word count: 716)
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Do you want to get out of debt but can't find the motivation? Do you dread the mail arriving in case it brings you even more bills to pay?

Well if you need a burst of motivation to improve your financial position, I've put together five reasons to get out of debt and avoid borrowing in the future.

1) Everything that you buy becomes much more expensive

OK, I'll show you. While out shopping you just can't resist buying a new plasma television. The price was $2300, but it has been reduced to $1995. Bargain! So you sign up to an attractive looking credit agreement.

How much will is cost? This is not a trick question.

$1995? Wrong!

Whenever you borrow to buy something, the total cost to you is made up of three distinct parts.

a) The actual amount that is borrowed - $1995

b) The interest on the loan - Perhaps 3 years at 29.9% APR. That would come to $915.78 (36 payments of $80.85 less $1995)

c) These payments must be made from your taxed income - Let's say 30%. That would add another $1247.40

So taking all of these things into account, you'll have to earn an eye watering $4158 to pay for your television.

And that's before we take into account the opportunity that you've lost to earn interest on the money that you're using to make the loan repayments. At 5% per year over 3 years this could amount to another $300 in lost interest.

Doesn't seem such a 'bargain' any more, does it? Do you really want it that much?

2) Lack of Freedom

The world is full of credit junkies. Too many people hold a 'must have' attitude that they simply can't afford. Unfortunately, this position translates into a 'must borrow' state of mind. They borrow in order to feed their need for a regular consumer spending 'fix'.

But this addiction is not without its consequences. Every time you borrow money you forfeit a piece of your life. It means that your lender owns a bit of you. They own the time that you take to earn the money to repay the debt every week or every month. Welcome to life as a human limited company....and your lender has just become a major shareholder!

Every pound of debt reduces the freedom that you have in your life. It's a simple equation.

Debt = lack of freedom to spend your time as you decide

Part of your precious, non-renewable life, now has to be devoted to acquiring enough money to repay your creditors. Your personal freedom has been curtailed. Every pound of interest paid represents a waste. Waste of your money. Waste of your effort. Waste of your time. Waste of your freedom. WASTE OF YOUR LIFE!!

3) Rows

What's the most common reason for rows between couples? Work, children, sex, the house, trivial matters?

Wrong!

The answer is money. Debt is the biggest cause of rows and relationship problems.

4) Stress

This is the inevitable result of the last two items. You owe money that you no longer have. You have to repay it with interest. You have to work every hour available just to make ends meet. And at the back of your mind is the nagging doubt, 'what if I can't keep up with the repayments?'

Then on top of all that worry, there's the frustration of being permanently skint, despite the fact they you've never worked harder in your life.

And all the time your 'better half' is nagging you about never having any money and the amount of time that you've been spending at work.

5) Bankruptcy

With all debt, there's always the chance that it will spiral out of control. One debt can lead to another debt. After you've borrowed money once, it becomes incredibly easy to do it again, and again, and again!

It's the easiest thing in the world to say 'Oh I'll just stick it on my credit card', but it's much harder to repay! Especially when you've got interest working its mischief against you!

Eventually, it can get to the stage where you can't even afford to repay the interest, let alone the original amount you borrowed.

And the end result?

Life is not be as happy and exciting as it should be! And if that's not a good enough reason to get out of debt, I don't know what is.

Copyright (c) Get Out Of Debt

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Are Non Profit Credit Counseling Agencies A Better Bet For Consumers

(category: Debt-Consolidation, Word count: 378)
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Non-profit credit counseling agencies enjoy special benefits because of their status. There is a tax advantage; non-profits enjoy tax exemptions on both a state and federal level. Non-profit agencies are also eligible for both public and private grants to support their mission.

Non-profit agencies have a better reputation among both creditors and debtors. In order to initiate Fair Share contributions, non-profit status is mandatory. Some states even allow non-profit agencies greater freedom from consumer protection laws. Debtors feel more comfortable dealing with a non-profit agency than one with a more commercial focus.

Most major credit counseling agencies flaunt their status as non-profits, but some fail to live up to that promise. Some unscrupulous agencies are using their non-profit status to lure in unsuspecting clients and to fleece them. Debtors need to look beyond the non-profit label and investigate the agency before enrolling in a credit repair program.

Some consumer credit counseling agencies are truly in it to help people get back on the road to financial well-being. Agencies accredited by the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies offer reputable services to their clients. Such agencies will not make false claims about fixing credit histories or credit scores; they will paint a realistic picture of your situation and tailor their actions to meet your needs.

Before enrolling in a credit counseling program, you should research the agency carefully. Check with the Better Business Bureau to see if the agency has a history of complaints. Visit online forums to read reviews from former clients. Make sure that the agency is reputable and reliable before granting access to your financial information.

Solid, reputable credit counseling agencies are an invaluable resource for debtors who have reached the end of their financial rope. A good credit counselor will work with you to create a personalized budget and debt management plan, while working with your creditors to reduce monthly payments. Lowering interest rates and erasing finance charges and late payment penalties are another way a reliable counselor can help you. A counselor's ability to eliminate phone calls and dunning letters from creditors is enough to make most consumers glad they chose to enter credit counseling.

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The Five

(category: Debt-Consolidation, Word count: 1012)
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Payday loans are also called "cash advance loans," "check advance loans," "post-dated check loans," or "deferred deposit loans." But they all pretty much mean the same thing.

In the case of online companies, you apply for a loan through the Internet. If you're approved, the money is wired overnight into your checking account. The loan is usually for one to four weeks - until your next payday.

When the loan is due, the company takes the amount you owe - plus a fee - out of your bank account. You can "roll over" the loan to the next payday, but you have to pay another fee.

But there are some facts you need to be aware of.

You won't see these in the ads for payday loans. And you may have to search the "fine print" on the company websites to find them. I call them the Five Hard Truths About Payday Loans.

Hard Truth #1:

A payday loan will not solve all your problems

Remember, it's just a short-term loan. And the quicker you can pay it back, the better. Don't keep rolling over the loan and racking up the fees.

But you're an adult. You can decide for yourself how you'll use the loan money and if you can pay it back when you get your next paycheck.

Hard Truth #2:

You can't get an unlimited amount of money

Don't expect to get thousands of dollars with a payday loan. Most loans you get will be about $100 to $500 - enough to get most people through a crisis until the next payday.

Some payday loan companies advertise that you can get $1,000. True, but don't expect to get that much the first time you do business with them. Once you become a regular customer, they may raise the amount you can borrow - as long as you're making enough in your job.

Which bring us to ...

Hard Truth #3:

Not everyone can get approved

Here's the deal. They're called "payday loans" because they're for people who have jobs and get a regular paycheck. If you don't have a job - or other income like Social Security - you're not going to get one of these loans.

Also, your job has to pay you enough. If you earn about $1,000 to $1,200 per month, you should be okay.

But these companies have other requirements you have to meet, and for good reason. They don't know you, they've never met you, so why are they trusting you with their money? Because you prove you can pay the loan back.

So you'll need to show them you have a job or other monthly income ... you'll need a checking account ... you need to live somewhere and have a phone number ... and you can't be a complete deadbeat on the run from the law.

Sound reasonable? Sure.

And don't worry too much about credit problems. They care more about your current ability to pay back a loan than about your past troubles with credit. That's a relief!

Hard Truth #4:

These loans don't come cheap

In general, you'll pay up to $30 for every $100 you borrow.

Now, some pencil-pushers will tell you that's like paying an annual percentage rate of 390% or 780% or some such number. They'll say it's outrageous when you compare it to getting a mortgage at 6% a year, or paying 18% on your credit card charges.

Okay, but you're not taking out the loan for a year - just a few weeks at most. So look at the cost of taking out the loan as a service charge. You alone can decide if it's worth it to you.

Want an example?

Let's say you have three bills due on Wednesday, but you don't get paid until Friday. If you pay your bills late, you get hit with late charges. If you write the checks anyway, and there's not enough money in your account, the checks will bounce and you'll have to pay fees for that.

Bounce one check and it might cost you $60. Bounce three checks and it's $180!

Now compare that with paying, say, $50 or $60 to borrow $200 to cover your bills until payday. It makes a lot more sense to get the short-term loan now than to get hit with all those charges later.

What about "overdraft protection"? Your bank would love to charge you extra for the service of covering you when you write checks for more than you have in your account.

And why not? Some overdraft plans charge fees as high as $35 per overdraft! It's a huge money-maker for banks. In fact, the biggest banks earn about $1 billion a year on overdraft fees.

What your bank doesn't want you to know about payday loans is that they may be cheaper than the bank's overdraft protection plan. No wonder so many banks are raising a fuss about payday loans - it's competition for them!

So before you think about using your bank's overdraft protection plan, take a close look at the cost. You may find that a payday loan will save you some money.

Hard Truth #5:

All payday loan companies are not the same.

It would be nice if you could just pick any payday loan company and know you'll get a good deal. Sadly, that's not the case.

I've scoured the Internet looking for the best companies. I've looked at what kind of loans they make, what their fees are, what kind of service they offer, and whether they're easy to use.

After reviewing dozens of these websites, I'm happy to report that you have some good choices out there. There are also some questionable companies, but we'll leave those for the authorities to deal with.

If you do your homework, getting a payday loan may be just what you need, saving you money in the long run.

Wishing you all the best in solving your cash flow needs!

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How To Get Out Of Credit Card Debt Using Self Help Techniques And Positive Thinking

(category: Debt-Consolidation, Word count: 745)
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Debt induced stress is one of the most problematic plagues that weaken both the mind and body of those it affects. Managing a busy life, keeping a family together, dealing with inherent health problems all these are things that can become quite overwhelming. When we add the constant stress created by being in debt, the feeling that everything you own is in danger of being lost, anxiety, depression and chronic stress are often experienced. Credit cards are of course, a useful and benefic economical element, a tool that helps us make our lives easier and more convenient. But they do come with a price tag that is often neglected - the interest rates and the freedom to buy without any limits are often too tempting, and many people end up owing large amounts of money to their creditors.

Debt related stress and anxiety

The repeated notices, calls and visits from your creditors remind you just how stringent your problem really is. However, you can use anxiety in your favor, once you learn how to master it. Letting it dominate your every move and combining it with depression is the exact opposite of finding a solution to your financial difficulties. But stop for a second and examine your anxiety, try to see beyond the immediate effects it has on you. You will notice that anxiety and aggravated credit card debt related stress have an irrational side that is completely blown out of proportion by our own minds. Many self help techniques recommend escaping anxiety by transposing your mind into a different reality. From one perspective, this works, since it gives you the peace and quiet you need to gather your energies and channel them towards achieving your goal and paying off the debt. However, there are many who never want to return to their own reality and prefer to stay hidden in the imagined universe and this will soon turn into a completely detrimental factor in their lives.

Turning anxiety into an ally

The opposite method is to accept your fears and see them as a whole. Don't try to avoid the situation, don't shift blame on others. Rationalize the reality around you, see why your credit card problems escalated and brainstorm for ideas on how to solve them. If you run away, they will only grow stronger. Jot down a few ideas and consult with your friends or family, as well as with financial advisors. There are always solutions of getting out of credit card debt, but more than often you will have to invest some energy in finding the one that is perfect for your individual case. The moment when you feel your stress levels reach their peak, when your debt related anxiety seems to be close to bursting, you should put your foot down and start walking your way, the rational way - the "getting out of debt way".

Affirmations and positive thinking

One of the characteristics we all share is the impression that, at certain points during our lives, we are completely helpless. That's not true and self pity is an immobilizing and energy draining disease. Positive thinking is the best medicine against such negative thoughts. It uses affirmations - phrases that define your personality or actions, phrases that you repeat over and over so that your mind can use them as weapons against self pity, low self esteem and anxiety. Repeating the affirmations turns them into beliefs and they become reality, not just some nice words that you would like to associate to yourself. Our beliefs are flexible and we can change them. "I'm never going to repay my credit card debt" is often some of the phrases you hear from those who are having financial problems. This negative thought, repeated, out loud or in their minds, becomes their belief, and their actions are doomed to fail. If the same person were to say "I WILL repay my debt" - and complement this saying with the appropriate actions, such as better finance management, a more economical life style and so on - he or she would turn the tide in their favor. Try to set a few goals for yourself and turn them into short but symbolic affirmations, which you will then repeat as often as possible. Correlate your thoughts and actions and you will soon start seeing the first signs of success.

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Debt Consolidation Loan Scams And How To Avoid Them

(category: Debt-Consolidation, Word count: 637)
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Many people who badly need money make the mistake of doing business with companies that steal money from them rather than lend it. These scams are usually directed at people who already have bad credit. More people are in financial trouble than ever before, and many criminals are taking advantage of this situation. Those who are filing for credit counseling or bankruptcy are at a high risk for these types of scams. Here I will show you common scams and what you can do to avoid them.

Money Up Front Scams

If you are in a situation where you need to file bankruptcy or seek credit counseling, your life is likely already hard enough as it is. The last thing you want is some con artist taking more of your money. Unfortunately, a huge market exists for these types of scams. The most common trick used by debt consolidation services is to make an offer to loan a client money despite their credit history. They will ask that the client pays three months in advance before they are able to loan them money. The company then takes the payments and refuses to loan the client money, stealing from them.

Many of the customers never hear from the company again. Many of these companies make themselves appear legitimate by purchasing advertising space in the local phone book, a place that most people trust to find their information. As more people suffer from debt, these scams will continue to increase.

You should avoid any lender which asks you to pay money up front for the loan. This is generally the first sign that a service is likely a scam. There is no reason you should have to pay a fee up front. Any lenders which ask you to pay before you receive the money are likely con artists. You should only have to pay money back after you've been given money, not before. Many of these services will also try to get you to send out a wire transfer.

Wire transfer services like Western Union are not secure, and there is no recourse available if something goes wrong. The transactions can't be traced, and you should avoid any services which ask you to wire money to them. If you feel the need to borrow money, you should use a service which is recommended by a friend or member of your family. This is much better than calling a random service which you've never heard of.

A Word On The Side Of Caution

It is important to be cautious when looking for loans, especially those which are unsecured. The first thing you should realize is that there is no such thing as a loan which is guaranteed. You should be wary of lenders who promise that you will be approved without bothering to check your credit history.

It is an unfortunate fact of life that many people make a career out of stealing money from others. Much of this fraud is perpetrated by groups which are highly organized. Getting scammed in a situation where you are already on the verge of bankruptcy can be enough to push anyone over the edge. People tend to make the most mistakes when they are desperate. It is important to analyze the situation and study the lender carefully. Anytime you are asked to pay money up front this typically means that it is a fraud, and will not end well if you fall for it.

The most important thing you can do before choosing a lender is to do research. Find out how long a company has been in existence. If they don't have an established history, this likely means they are a fly by night operation, and you will want to avoid it.

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About Debt Consolidation Services What You Need To Know

(category: Debt-Consolidation, Word count: 392)
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What Are Debt Consolidation Services?

Debt consolidation services are companies who specialize in helping you free yourself from the burden of debt. If you have debt that seems to pile up more and more each month, bills for which you can't even afford the minimum payments, and the trend has been continuing for a long time with no end in sight, then a debt consolidation service may be just what you need to help you out of the tangle of debt you're in.

How Can Debt Consolidation Services Help?

Did you know that your creditors are the ones who absorb most of the costs when you consolidate your debt? To those you owe, it is a better financial decision for them to accept partial payment from you than none at all if you file for bankruptcy or simply never pay. A debt consolidation services company representative will stand up for you and negotiate with those you owe and decrease your overall debt as well as get rid of interest payments and taxes.

What Do the Creditors Gain From Debt Consolidation Services?

The reason why your debt is so high is not necessarily because you spent too much money. Your debt may be due in large part to the high interest rates and fees that accrued as the months passed without payment. Creditors usually recoup at least the original expenses - that is, the amount the bill was originally before it was doubled and tripled or even quadrupled by over limit and late payment fees and interest charges.

Additionally, creditors can write off all the money they lose in interest and fee payments on their taxes so as long as they still get the original amount that you owe them, they have nothing to lose.

What Do You Get From Debt Consolidation Services?

You get to combine all your bills into one bill payment every month. You get one payment that is considerably lower than all your other bills were before. Your phone will stop ringing off the hook with creditors calling you and asking for money. Your stress will dramatically decrease knowing that you have taken the steps to get yourself out of the downward spiral of debt.

All of this starts when you employ a specialist in debt consolidation services.

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Top Ten Ways To Consolidate Your Debt

(category: Debt-Consolidation, Word count: 779)
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For a growing number of Americans, debt is a serious problem, and one that can "sneak up" on you. The first step toward controlling your debt is being aware of it. Once you've established that you need to consolidate and pay down your debt, the following ten possibilities may be useful to you.

10. If you have a 401-K or other employer-sponsored retirement account, borrow part of the money to pay down your debt. This should be used as a last resort, however. If you cannot pay the money back within five years, you will be assessed the taxes and penalties associated with the early withdrawal of the funds.

9. If you have life insurance, borrow money against your policy. Strictly speaking, you don't ever have to pay the amount back if you can't or don't want to, but it will be deducted from the amount paid to your beneficiaries. For this reason, planning to pay the money back is advisable.

8. Borrow the money from family or friends. It probably will save you interest, but the list of associated problems can include the potential for damaged personal relationships, the expectation of a return of the favor years down the road even after what you borrowed has been repaid, and the possibility of legal action against you by someone who was previously a good friend or close family member.

7. Consult a debt consolidation service. Make sure you're working with a service that does not charge you high fees. Check with your local Better Business Bureau or other consumer protection agency. You'll likely sacrifice two things to work with a debt consolidation service: your freedom to open and use additional credit lines and, in many cases, your credit rating. The service will usually ask you to make one monthly payment that it will then use to pay your creditors. There are two main types, debt settlement and credit counseling. Debt settlement can hurt your credit score, but will lower your monthly payments and save you the most money without filing bankruptcy. Credit counseling lowers your interest rates and your monthly payments by less.

6. Renegotiate with your creditors. Your creditors may require that you incur no additional debt while working to pay off what you've already accrued. And they are under no obligation to agree to renegotiation; however, it is often to their advantage as well, since it means they will eventually collect.

5. Sick of getting those introductory 0% interest credit card offers in the mail? Before you throw the next one away, consider how much interest you could save by consolidating all your debt onto a new card. Be very careful, though. If you continually open new cards and close older ones, you're not helping your credit rating. If you would like to consolidate all your debt onto a single card, consider keeping at least one of your older cards open with a small balance as well.

4. Do you own a car, boat, motorcycle, etc. with a free and clear title? If so, take out a title loan. Make sure you're getting the rate you want. Also, be certain you understand the terms (will you get to keep your car, boat, or other collateral, or will you have to turn it over to the lender for the term of the loan?). Get a clear idea of the payment schedule, as failure to meet any of the terms may leave you without ownership of your property.

3. Take out a personal or signature loan. Weigh this option carefully, as the interest rate on this type of loan may not be significantly lower than what you're already paying.

2. Refinance your home and take cash out at closing. This will help you pay down your high-interest debt without too much difficulty, and can be tax deductible. It saves you money and gets you a lower monthly payment. Just make sure that there is no possibility of missing a payment, because you don't want to face a foreclosure because you transferred too much unsecured debt to secured debt.

1. If you own your home and have enough equity in it, take out a home equity loan or line of credit. Not only can you use the money for anything you would like, including debt consolidation, but the interest you pay on the loan will be tax-deductible so you will save in more than one way.

While some of these options may be more desirable than others, and most come with their own set of complications and consequences, keep in mind that they are likely preferable to continuing to struggle with unmanageable debt.

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Secured Debts Why Your House Mortgage Must Not Be Overlooked

(category: Debt-Consolidation, Word count: 343)
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A simplify definition of debts are money due or own to people under an express agreement to repay. They usually arise because of a service or goods provided to you.

While it seem logical that all debts involved around money owned to others. There are in fact 2 different types of debts as far as your financial health is concerned. They are secured and unsecured debts.

Identifying your debts and classifying them into secured and unsecured debts are important. The reason being you will have more to lose financially if you ignored on your secured debts.

Secured debts refer to any loan or credit that was obtained by allowing your lenders to put a lien on a piece of valuable property that you own. These properties can be your house, auto, yacht and even expensive jewelries. Properties put on lien are also known as collateral.

A secured loan amount is usually based on the valuation of the property, and is based on the principle that if you fail to pay or default on your payment, your lender has the right to repossess and confiscate the property to recover their loan amount owned. Your house and auto loan are most likely secured loan.

Losing a collateral put up for a loan is to be avoided whenever possible. When that happens, you also lose all the payment that you have already made on that collateral asset. The worse part is that you are also liable if the sales of that collateral do not cover the loan amount that you own.

When you lose your collateral especially your house which is known as foreclosure, it will affect your financial health greatly as there is nothing that will hurt your credit rating more than a foreclosure. Even bankruptcy does not cause so many damages.

Be it foreclosure or your auto being repossess, a secured loan will drain you up excessively if not handled properly, It is wise to prioritize your secured loans and mortgage payment whenever possible.

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How Can Debt Consolidation Really Help You

(category: Debt-Consolidation, Word count: 502)
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Are you living from paycheck to paycheck? Can't seem to make ends meet? And are you tired of being harassed by abusive calls from creditors? Then, opting for debt consolidation may be the best option for you. It helps relieve you of such calls and give you freedom from mental stress.

The spending capacity has increased over the years. However our income has not risen in proportion to the expenses or has remained more a less the same. This allows debt to sneakily pile up. Many of us believe that we are managing our money well, until we realize that we are deep in debt. And then, find ourselves under immense pressure due to high debt and an inability to keep up with it.

If you have difficulty shelling out money for your bills, debt consolidation can be a benefit. It will help you get back on your feet. Debt consolidation takes out one loan to pay off a number of different loans. This means only one payment needs be made each month. Combining several bills into one and borrowing at a lower rate of interest can reduce your overall monthly payment.

Debt is a dangerous problem when you borrow money but are unable to repay the money on time. This results in a mounting interest along with the principal amount. This additional interest in the repayable amount becomes so high that it's increasingly difficult to repay.

If you cannot manage high levels of debt and are unable to pay debt off, you must immediately seek help by a financial advisor. The use of debt consolidation finance will prevent you from paying steep interest rates, late payment fees and charges which will further complicate your already shaky financial status. Developing a debt management strategy early can save you hundreds and even thousands of dollars. It can also prevent a bad credit history from impacting your ability to borrow in the future.

A debt consolidation plan consists of two ingredients: an intelligent plan of how to get out of debt and motivation to get out of debt. Debt consolidation provides the convenience of making one monthly payment, which in turn is managed and distributed to your creditors.

This monthly payment is significantly lower that the monthly payments made to the creditors individually. This ensures that more of your money is working to pay off the principal - the actual debt - instead of just interest on the debt. Hence, a debt consolidation plan can enable you to get you out of debt faster. Debt consolidation helps you minimize what the debt costs you, thus enabling you to catch up and move ahead.

There are many types of debt consolidation loans. Home equity loan is one such debt consolidation program where you can use your home to get a loan. This is a secured loan and the interest rates are low. If you choose to go for an unsecured loan, the interest rates would be much higher.

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