Archives for January 2011

Today we continue our series on simple solutions to ease your debt load. Last week we went over a series of possible ideas, including saving plans, utilizing budget software (like mint), as well as switching over to credit cards that have lower interest. Today we will be going over other concepts that will help you get out, and stay out, of debt.

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This article is not about canned advice on how to get out of debt. It is not about listing the hundred “common sense” techniques that you thought of on your own. What we would like to do within this post is explain a few debt solution strategies you may not have thought of yet. Let us know what you think.
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Here is a simple truth about the lending and borrowing relationship- it is always characterized by a single factor: Risk.
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Here is something the banks just don’t want you to know about money. Money is a lie. It’s totally fictional. There was a time….a little over 40 years ago, when your dollar was technically worth something in gold.
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Yes, maybe there was a time before you were grasping for debt solutions, where using your credit card was still okay. Now, if you are deep in debt…then no matter what your reasons are, you should stay away. Here are some of the popular myths behind using your credit card:
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Credit Card debt is a sad fact of living in America today. A lot of people decide to take debt solutions into their own hands and pursue credit card settlement. The situation goes like this: Joe Citizen sees he has 15 years left of making minimum payments…and decides to find an easier way out.

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It can be incredibly overwhelming to look at your debt and say “how am I ever going to do this?”

Well debt solutions don’t come easily, but they do come.

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If more families had the “debt” conversation with kids, maybe this country would be better off right now. I mean in the last twenty years kids have grown up on a pink cloud. Only now, in post-recession America, are 18 year olds seeing the value of skipping college and going to technical school.

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Now someone on a a debt settlement company’s blog, might be surprised by this statement. That’s because they are used to these blogs constantly promoting debt settlement as “the only option.”

The truth is, our industry is full of companies that hurt the consumer tremendously.

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1) Count your blessings: Close your eyes. Within 2 blocks of you, there is a family living off of sixty-five percent of your income right now. It’s a statistical miracle if there isn’t. HHow do they do it? Think debt solutions…take just a small piece of that, ten percent, and devote it towards an emergency slush fund. This will help you out during a rainy day.

Be extremely diligent about this. When each check comes, take out ten percent and put it in a savings account. Don’t make excuses!

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