Eliminate Credit Card Debt
Do you have Credit Card Debt? Many people owe something on
their cards and would love to eliminate their credit card debt. We've all seen
the ads on TV and the internet for credit repair or counseling companies, but many
charge high fees and may not help as much as they say they will. It is wise
to do your own research and design a plan to eliminate credit card debt that will
work for you.
This web page is a great place to learn more about Eliminating
Credit Card Debt. Further down on this page, we present an article called,
"Beat the Credit Card Blues." The article explains how
one woman was able to eliminate a fairly large credit card debt in a short period
of time. Read the article and learn the steps she took to eliminate
her credit card debt.
After you read our article, follow the Related Links we provide
to other informative and interesting web sites about Eliminating Credit
Card Debt. Explore the sites we've linked to and discover how to get low interest
credit cards and other types of loans. Buy a few of the Books we
recommend below, to learn more about Eliminating Credit Card Debt. Credit
and money matters aren't always taught in school and many people learn lessons the
hard way. Use the resources we present here to get out of debt
or to keep from getting in debt in the first place!
Eliminate Credit Card Debt
An article with a 5-step plan to get rid of Credit Card debt.
Links to 3 related articles and sidebar links that can help you to find lower
rate credit cards.
Eliminate Credit Card Debt
Another debt elimination plan. Many links to related articles.
Motley Fool, Get Out Of Debt
This is a portal page on getting out of debt, written by these
popular Investment advisors. Lots of links!
Debt Elimination Promises
A cautionary article about all the scams and high-fee companies offering
to help with debt reduction or elimination. Links to related articles. Bankrate.com is
a great site for all kinds of FREE financial information, explore the site!
HowStuffWorks, Credit Cards
A fascinating 22-part article that will tell you everything about credit
cards. There is a page on Getting Rid of Debt.
Search results on this U.S. government site for the words "eliminate
credit card debt".
it really possible to live without credit card debt, bill collectors, whopping
interest payments, or anxiety about retirement? Yes it is, and Jean Chatzky,
one of America's most beloved money experts, can teach you how to make that dream
Millions of Americans watch Chatzky on NBC's Today show, and millions
more read her articles in magazines like Money, Time, and USA Weekend.
Unlike some financial gurus, she offers straight talk about the problems real people
face in the real world. Chatzky proves that anyone, no matter how debt-ridden or how
low on income, can find an extra $10 a day to knock out their debt and build a bright,
secure future. It might be as simple as spending less on your morning coffee or as
drastic as trading in your SUV for a more practical car. You'll also learn how to track
your spending, consolidate your debts, force credit card companies to give you their
best rates, and plan ahead for the inevitable surprise expenses that crop
up from time to time.
Money Book for the Young, Fabulous & Broke is financial expert Suze
Orman's answer to a generation's cry for help. They're called "Generation
Debt" and "Generation Broke" by the media - people in their twenties and thirties
who graduate college with a mountain of student loan debt and are
stuck with one of the weakest job markets in recent history. The goals of their parents'
generation - buy a house, support a family, send kids to college, retire in style
- seem absurdly, depressingly out of reach. They live off their credit cards,
may or may not have health insurance, and come up so far short at the end of the month
that the idea of saving money is a joke. This generation has it tough, without a doubt,
but they're also painfully aware of the urgent need to take matters into their own
The Money Book was written to address the specific financial reality
that faces young people today and offers a set of real, not impossible solutions
to the problems at hand and the problems ahead. Concisely, pragmatically, and without
a whiff of condescension, Suze Orman tells her young, fabulous & broke readers precisely
what actions to take and why. Throughout these pages, there are icons that
direct readers to a special YF&B domain on Suze's website that offers more specialized
information, forms, and interactive tools that further customize the information in
the book. Her advice at times bucks conventional wisdom (did she just say use your
credit card?) and may even seem counter-intuitive (pay into a retirement fund even
though your credit card debt is killing you?), but it's her honesty, understanding,
and uncanny ability to anticipate the needs of her readers that has made her the most
trusted financial expert of her day.
wants to slash his or her debt, save more money, and become financially secure.
Regardless of your situation, you can get on the road to financial freedom -- and
you can do it yourself in the next 30 days! You can be free from financial worries, rest
at night knowing your bills are paid, and have peace of mind when it comes
to money matters. It all starts by eliminating excessive debt, and using time-tested
strategies to save your hard-earned cash.
Zero Debt also helps you put a financial fortress around yourself -- offering
tips on budgeting, the importance of having insurance, low-cost methods for creating
an updated will, creative ways to instantly put dollars in your pocket, and more.
If you want to be debt-free and achieve financial freedom, you need an action plan. This
book is your step-by-step plan. It's simple. It's easy to understand. And it works. Zero
Debt is the one book you need to fix your finances once and for all!
strategies for eliminating debt and achieving financial freedom. Each year,
thousands of individuals and families fall deeper into debt. Without a practical game
plan, this dilemma will continue to grow. Devised alongside his current seminar series,
John Fuhrman's The Credit Diet offers readers a simple and, most importantly, effective
way to eliminate debt from their lives. Comprised of five informative sections,
this invaluable resource guides readers through a cutting edge yet commonsense
process that will put them on the road to financial recovery. Fuhrman takes
the reader by the hand, using real examples and personal experience to show them how
to create, manage, and maintain a debt-relief plan and get their
financial future on solid ground. This book illustrates a totally different method
of debt recovery by utilizing mental, as well as physical, techniques that change
how one approaches money. Readers will have enough information to develop their own
specific plan of attack to assure victory over the battle of bulging bills.
John Fuhrman (Manchester, NH) has reached more than 1,000,000 people
over the last five years. His clients include Prudential, Bank Boston, Amway, and
the nearly 400,000 independent business owners who have used his materials to help
their businesses grow successfully. Fuhrman has also appeared in such publications
as Men's Health, Selling magazine, and Sales Mastermind.
our exclusive Feature Article:
Beat the Credit Card Blues
If you are like most people, you could eliminate your credit card balances within
a year, and be totally out of debt in five. The first step is to make it a priority.
Why should you? A better question would be: why throw away precious money on interest
I was able to pay off about $4,000 in credit card debt in less than 18 months. Our
family decided to sacrifice a little, for the big payoff of becoming debt-free. We
agreed to cut out fast food eating for an entire year. We developed favorite recipes,
planned weekly menus and added lots of variety. I saved time by cooking large portions
and freezing leftovers on the weekends for fast, nutritious meals throughout the week.
I saved enough money on our food budget to triple the minimum payments due on our
credit card bills each month. The reward was seeing how fast our debt was disappearing.
Here are the steps I took to eliminate our credit card debt.
1. List all your debts, starting with the amount with the highest interest rate. Pay
this off the fastest. Then roll that payment amount into your next balance, to eliminate
that debt. Some people pay the smallest amounts off first, to gain a sense of achievement.
More and more debt is gone as you roll over your payments into the next account. Keep
the list handy to motivate your goals.
2. A savvy step is to transfer balances to a zero interest card, or at least one with
a lower interest rate. Pay close attention to any transaction fees and the period
the rate is available for, usually six months. Look for very low fees, since balance
transfer fees based on percentages can get quite high if you are transferring large
amounts, and will increase the balance to be paid with interest.
3. Put your spending on ice. Cut up or quit using your credit card for anything but
emergencies. If you put new purchases on a card with a transferred balance, you will
be paying interest on them until the special balance transfer is entirely paid off.
This is because most companies apply payments to the low interest transfer balance
first. If you don't have available cash or a debit card, save up until you do. This
also curbs over-spending and living beyond your means.
4. Pay your bills on time. It won't matter if you have a low interest rate if you
miss a payment or send the check late. The company can immediately raise your rates,
sometimes as high as 23.99%. They can do this if you are late with any of your
bills, including the electricity or cable TV bill.
5. You can open new accounts to pay off old debt. But only do this if the transaction
fees are low and the interest is less than you are paying now. Try to consolidate
amounts whenever possible. Most credit card companies allow up to six balance transfers
onto one account as long as you don't go over your limit.
6. Beware of the home equity loan, sometimes called a second mortgage. Your home is
your biggest asset and if you take a loan out against it, you will be paying two amounts,
your regular mortgage and the new loan. The interest rates are usually higher, and
fluctuate with the market. If you default on either loan, you lose your house. Also,
you usually have to pay "closing costs" again, which run anywhere from $3,000 to $10,000,
so you have more to pay back.
7. Know when to raise the white flag. If you just can't seem to budge your debt on
your own, or you are forced to continue using your credit cards, consider counseling.
Be careful about choosing an agency. You can contact the National Foundation for Credit
Counseling at www.nfcc.org or 1-800-388-2227
to find a reputable counselor near you. Be wary if they charge substantial fees upfront,
promise that your debt will be wiped out, immediately suggest bankruptcy or have you
send your payments directly to them. They could pocket the money and you will default
on your payments and ruin your credit.
Contrary to society's message of "buy now, pay later," you can live debt free. You
will enjoy peace of mind and more freedom to buy things on your terms, not the credit
card companies' rules. Choose today to become debt free, and beat those credit card
Take a Cruise!
Need a Vacation? Take a Cruise! How would you like to learn all about the fun you could have on a cruise? No
one knows more about a cruise vacation than a travel agent who specializes in cruises!
You will learn all there is to know about taking a cruise when you get in touch with
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will make sure you get the best possible cruise experience at the best price!
Please read our article about taking a cruise. Then call Marsha at 704-469-9048.
Buy a 3D TV!
Looking for a new Flat Screen TV? Read our review of the Visio 42 inch 3D Television written by a woman who owns one! Read about the clarity of the display, the 3D aspects of the set, accessories, internet ability, sound and gaming suitability. If you are looking for a new TV, this might be the one for you! In any case, you'll learn about features that are now available in the latest models of flat screen 3D TVs!
Like the Twilight Saga? Read Etude!
There is a new Young Adult book series that lovers of the Twilight Saga will probably
enjoy as well. Etude has a similar theme and similar characters. Both
are about teen girls who meet and fall in love with immortal guys. What things
about Etude are the same as Twilight and what are different? Please read our
interesting review of Etude, the first book in the Birthright Legacy series.
It provides an insightful analysis of how Etude is the same as Twilight and how Etude
is different from Twilight!
What can Middle Earth say about Real Earth? Have you read or seen the Lord Of The Rings books / movies? The Hobbit is a book that has the same kinds of characters, themes and settings but came out first.
Read our article on the upcoming Hobbit movie. The author talks about the themes in The Hobbit and Lord Of The Rings, and presents the idea that they can be viewed as a commentary on the Environment!
Get A Date!
Online Dating First Impression! If you are one of the many people who have joined online dating sites, or if you are thinking of joining an online dating site, then you will need to make a good first impression with a perfect
profile! Whether you already have a profile for an online dating site, or are thinking of making a profile for an online dating site, read our Perfect Profile article for helpful tips! What makes a great online dating profile? Please read our article on How to Write the Perfect Profile for an Online Dating Site and learn how to attract the perfect person for you!