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Saturday, January 31, 2009
Forgive the cliche, but it's true. If you had less debt, would you be less stressed? Of course you would! I know I would. Less stress means a longer, happier life. You can start paying yourself back by, well, paying yourself back.
Debt is money owed we can't pay back right away or payments that are running us even deeper into the ground. We've in a sense turned into a society that has gotten used to living on credit, which has put us in a mess. The first step has to do with attitude. Pay cash as you go. Not easy and maybe impossible to do in one big step but you've got to start trying. A very workable approach is just to start getting creative as to what you can do to save a bit here or a bit there.
Next step ... so you have cut back, and you've found some extra funds. Don't party just yet - you still need to think about reducing debt not just reducing spending. We're going to take the snowball approach to debt resolution.
To actually keep expenses down and start reducing your debt you want to start living on a budget. Budget is a dreaded word for most of us. We equate it with a Spartan existence, bland diet, no more toys and the like. Your budget however represents your plan of action. Laying out your budget is not the easiest thing to do, be prepared to struggle at first and it may take a month or two before you actually find a plan that works, a budget that fits. Make a list of what you're paying out for bills, food, clothing and entertainment. Then start prioritizing and assigning dollars to each category.
Your first goal should be to pay off existing loans. This is often money you are paying someone for something you bought or did so long ago you've forgotten what it is you're paying for. There are two theories as to what works best. The first one is to pay of the loan with the highest interest first, the second one is to pay off the smallest loan first. You can go either way but I suggest the second approach. Paying off a small loan represents a small victory. You'll feel good. The money you've been sinking into that loan can now be applied to the next smallest loan.
Either approach will eventually lead to a snowball effect. The more loans you pay off the more you have available to pay off the remaining loans. Don't start trying to save until you're well on your way. Keep your first priority getting out of debt. You'll also learn a good life's lesson. Living without debt is very satisfying indeed. And living within your means isn't nearly as bad as you were afraid it was going to be.
You've finally paid of your debt. Now what? The rule here would be don't go out and buy yourself a congratulatory present, on credit? It's OK to celebrate, you deserve it, just don't go overboard. The next goals are to stay out of debt , save, and invest in your future. Watching your saving and investments grow is much more fun than watching your debt increase.
As you've paid off your debt you've been paying yourself although it may not have seemed like it. Now you can pay yourself where the results become more tangible and visible. Save, invest, and get those things you want by paying cash for them. You can live a more satisfying and less stressful life, maybe even a longer one, with no bad aftertaste.
Debt is money owed we can't pay back right away or payments that are running us even deeper into the ground. We've in a sense turned into a society that has gotten used to living on credit, which has put us in a mess. The first step has to do with attitude. Pay cash as you go. Not easy and maybe impossible to do in one big step but you've got to start trying. A very workable approach is just to start getting creative as to what you can do to save a bit here or a bit there.
Next step ... so you have cut back, and you've found some extra funds. Don't party just yet - you still need to think about reducing debt not just reducing spending. We're going to take the snowball approach to debt resolution.
To actually keep expenses down and start reducing your debt you want to start living on a budget. Budget is a dreaded word for most of us. We equate it with a Spartan existence, bland diet, no more toys and the like. Your budget however represents your plan of action. Laying out your budget is not the easiest thing to do, be prepared to struggle at first and it may take a month or two before you actually find a plan that works, a budget that fits. Make a list of what you're paying out for bills, food, clothing and entertainment. Then start prioritizing and assigning dollars to each category.
Your first goal should be to pay off existing loans. This is often money you are paying someone for something you bought or did so long ago you've forgotten what it is you're paying for. There are two theories as to what works best. The first one is to pay of the loan with the highest interest first, the second one is to pay off the smallest loan first. You can go either way but I suggest the second approach. Paying off a small loan represents a small victory. You'll feel good. The money you've been sinking into that loan can now be applied to the next smallest loan.
Either approach will eventually lead to a snowball effect. The more loans you pay off the more you have available to pay off the remaining loans. Don't start trying to save until you're well on your way. Keep your first priority getting out of debt. You'll also learn a good life's lesson. Living without debt is very satisfying indeed. And living within your means isn't nearly as bad as you were afraid it was going to be.
You've finally paid of your debt. Now what? The rule here would be don't go out and buy yourself a congratulatory present, on credit? It's OK to celebrate, you deserve it, just don't go overboard. The next goals are to stay out of debt , save, and invest in your future. Watching your saving and investments grow is much more fun than watching your debt increase.
As you've paid off your debt you've been paying yourself although it may not have seemed like it. Now you can pay yourself where the results become more tangible and visible. Save, invest, and get those things you want by paying cash for them. You can live a more satisfying and less stressful life, maybe even a longer one, with no bad aftertaste.
About the Author:
To find out exactly how you can get debt management help visit my debt and credit management website.
posted by Credit Counseling at
8:29 AM
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In San Antonio Texas you can find a old condo for price under $100,000, and you can find a luxurious upscale high rise condos in the range of $200,000 up to $500,000, depending on the location and size of the San Antonio condominiums. There are plenty of condos to chose from with customized modern amenities with large kitchen, gym, and guarded parking areas.
One of the reason San Antonio is attraction many new homeowners is great weather and affordable cost of living, not to mention the lower cost of housing which is lower than 30 percent than national average. There are many nice and peaceful neighborhoods where you can choose with good school system and attractions.
San Antonio is Texas's second largest city and seventh largest city in the united states with population of 1.3 million people. It is one of the fastest growing city in the country in population growth.
There are many attractions in San Antonio. If your visiting San Antonio, the famous Alamo and River Walks are definitely places to visit. Some other local major attractions include Seaworld, Six Flags Theme Park, and Marion Koogler McNay Art Museum.
Even though it has an affordable housing market, like the rest of the country the prices of San Antonio condominiums have declined in value in the past few years, which opens up window of opportunity for home buyers. With diverse culture and low cost of living compared with other large cities, it makes sense to raise your family here.
So, if you like carefree living without thinking about repair and maintenance issues for homes and apartments, this is the best option for anyone. This is the time to purchase before the housing market in the US recovers as well as the housing market in the southwest especially in San Antonio.
One of the reason San Antonio is attraction many new homeowners is great weather and affordable cost of living, not to mention the lower cost of housing which is lower than 30 percent than national average. There are many nice and peaceful neighborhoods where you can choose with good school system and attractions.
San Antonio is Texas's second largest city and seventh largest city in the united states with population of 1.3 million people. It is one of the fastest growing city in the country in population growth.
There are many attractions in San Antonio. If your visiting San Antonio, the famous Alamo and River Walks are definitely places to visit. Some other local major attractions include Seaworld, Six Flags Theme Park, and Marion Koogler McNay Art Museum.
Even though it has an affordable housing market, like the rest of the country the prices of San Antonio condominiums have declined in value in the past few years, which opens up window of opportunity for home buyers. With diverse culture and low cost of living compared with other large cities, it makes sense to raise your family here.
So, if you like carefree living without thinking about repair and maintenance issues for homes and apartments, this is the best option for anyone. This is the time to purchase before the housing market in the US recovers as well as the housing market in the southwest especially in San Antonio.
About the Author:
If your thinking about buying San Antonio condominiums, please review San Antonio Condominiums, and San Antonio Condominiums
posted by Credit Counseling at
8:28 AM
0 Comments
There are several ways to send money to the Philippines. The amount of time it takes, along with cost and level of security vary for each service.
When sending money to the Philippines it is important to know all your options so that if an emergency does come up you can transfer money quickly.
A good way to make quick payments is through an on-line service such as ATM Cash. The money is then available almost instantly.
This is often the easiest and fastest way to send money to your loved ones in the Philippines. And you can make a transfer 24/7 from your computer.
Another way to guarantee a quick transfer of money to the Philippines is ensuring the recipient has an ATM or debit card. If the recipient is someone trusted, it's often useful for them to have a bank card linked to your checking or savings account.
This way the cardholder will have access to your account at all times through a card or PIN number that they could draw cash from an ATM machine with. This method is useful as long as you trust the cardholder.
A pre-paid debit card is another option if you do not want the recipient to have unlimited access to money. The debit card would be used just like an ATM card except that it is loaded with a specific amount of money.
The cardholder will have no access to funds until you have refilled the pre-paid debit card. At this time you could notify the recipient via phone that money has been added to the card.
Another way to send money quickly is by opening an account with a bank that has branches in both the Philippines and the U.S. This will help facilitate easier transfers.
The above ways are some of the safest and quickest ways to transfer money to the Philippines.
When sending money to the Philippines it is important to know all your options so that if an emergency does come up you can transfer money quickly.
A good way to make quick payments is through an on-line service such as ATM Cash. The money is then available almost instantly.
This is often the easiest and fastest way to send money to your loved ones in the Philippines. And you can make a transfer 24/7 from your computer.
Another way to guarantee a quick transfer of money to the Philippines is ensuring the recipient has an ATM or debit card. If the recipient is someone trusted, it's often useful for them to have a bank card linked to your checking or savings account.
This way the cardholder will have access to your account at all times through a card or PIN number that they could draw cash from an ATM machine with. This method is useful as long as you trust the cardholder.
A pre-paid debit card is another option if you do not want the recipient to have unlimited access to money. The debit card would be used just like an ATM card except that it is loaded with a specific amount of money.
The cardholder will have no access to funds until you have refilled the pre-paid debit card. At this time you could notify the recipient via phone that money has been added to the card.
Another way to send money quickly is by opening an account with a bank that has branches in both the Philippines and the U.S. This will help facilitate easier transfers.
The above ways are some of the safest and quickest ways to transfer money to the Philippines.
About the Author:
The last thing you ever want to get is bad or outdated information about money to the Philippines. You'll never have to worry about that again after you vistit this site send money to the Philippines
posted by Credit Counseling at
5:18 AM
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