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GET OUT OF DEBT WITHOUT RUINING YOUR CREDIT: MY JOURNEY OF CONSOLIDATING CREDIT CARDS, AND WHY IT MAY NOT BE YOUR BEST OPTION

GET OUT OF DEBT WITHOUT RUINING YOUR CREDIT: MY JOURNEY OF CONSOLIDATING CREDIT CARDS, AND WHY IT MAY NOT BE YOUR BEST OPTION

Get out of debt without ruining your credit. If you have found yourself drowning in credit card debt, and feel like you have little to no options, then you need to read this book. Read about my journey of getting out of debt by consolidating my credit cards and how I put together a plan to get out of debt. Coming up with a plan and outlining your options is more valuable than you can ever imagine.

Forget all of the crazy statistics and advice that are a little less than desi

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Do you need help on how to negotiate your debt? Do you want to learn what are the best ways to negotiate your debts with rude bill collectors? If so, then yo…

You may have heard of these and asked, “why are they called credit cards if you receive no credit?”  To answer that question and many others, let’s look at them in detail.

Nearly all of the major issuers offer these.  The concept is very simple.  Once you are approved, and nearly everybody regardless of their history is, you get a card in the mail.  It looks identical to a regular one typically with a Visa or MasterCard logo.  It can be used anywhere that Visa & MasterCard are accepted and nobody will know that it is prepaid.

The first thing you have to do is fund it.  The amount of money you deposit in to your account is the amount of money available to you.  You can’t carry a balance, you can’t pay interest or over the limit fees.  To avoid any kind of fee, set up a direct deposit. Also bank transfers, ATM deposits, and even a mailed check can fund it.

Most valuable perks including free bill pay, free direct deposit, balance alerts sent to your e-mail or cell phone, and if you have damaged credit report, your positive payment activities will be reported to the bureaus.

These companies are making money off of each transaction that you make yet still, some companies try to charge annual or monthly fees.  Make sure to do a lot of comparison shopping and find one that is 100% free to be issued and activated.  Some may require that you set up direct deposit in order for it to be free.

As American’s become more conscious of how they borrow money, this card represents one of the safest ways to build positive marks on your report and without the worry of finding yourself in over your head in debt.

Additionally these are a good alternatives for individuals in chexsystem and don’t have a checking account. This is because to cash a check you have to pay a check cashing fee. To pay a bill you must buy a money order. These expenses add up quick. However a good card will let you use direct deposit for free and may have a program to allow you to pay your bills without having to buy money orders.

We suggest the prepaid Account Now Visa it comes with free direct deposit, free bill pay, free activation, free credit builder and guarantees approval – for a complete review visit us or for more information about the Best Prepaid Credit Cards.

Personal finance can be one area of our lives that causes a great deal of stress. If you have the right information to deal with personal finance, the stress can be greatly reduced, and you can solve the problems and stick to your finance plan. Take a look at some of the helpful ideas in this article.

Keep an eye on your personal finance by watching your credit reports closely. Not only will this empower you with valuable information, but also it can also help you to ensure that no one else has compromised your personal information and is committing fraud in your name. Usually checking it once or twice a year is sufficient.

You and your children should consider public schools for college over private universities. There are many highly prestigious state schools that will cost you a fraction of what you would pay at a private school. Also consider attending community college for your AA degree for a more affordable education.

Pay more than your minimum amount due on school loans, mortgages, credit cards and any other kind of loan. It is going to help you save a good bit of money over the course of the loan. Much of your monthly payments are going to the interest and paying extra is going toward your principal.

Electronics are extremely expensive and can set you back a lot of money if you do not get a good deal. Try to do all of your electronics shopping online, as you will find great deals and auctions, which will allow you to choose the price that you want to pay.

If you are a member of any groups such as the police, military or a car assistance club, ask if a store provides discounts. Many shops offer discounts of 10% or even more, but not all advertise that fact. Prepare to show your card as proof of membership or give your number if you are shopping online.

Being a smart shopper can enable one to catch onto money pits that can often lurk in store aisles or on the shelves. An example can be found in many pet stores where animal specific products will often consist of the same ingredients despite the animal pictured on the label. Finding things such as this will prevent one from buying more than is needed.

If your employer offers a match to your 401K, make sure you’re contributing at least the amount they match. When an employer offers to match your funds, they are essentially giving you free money. The money you contribute will help you reach retirement goals and is tax free. It’s a win-win situation, all around.

Even in a world of online bank accounts, you should still be balancing your checkbook. It is so easy for things to get lost, or to not really know how much you have spent in any one month. Use your online checking information as a tool to sit down once a month and add up all your debits and credits the old fashioned way. You can catch errors and mistakes that are in your favor, as well as protect yourself from fraudulent charges and identity theft.

As you can see, the tips in the article above can be helpful in minimizing the stress of dealing with your personal finance plan. Using this helpful information, you can immediately get on with solving the problems you face. Then you can get out and enjoy life!

Northrop Grumman Retirement can be a quick and easy financial solution. But you need to know what to look out for, and how to identify the best deals.

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