If your goal is to pay off credit card debt in a reasonable amount of time, you are going to have to pay more than the minimum payment. Here’s why.
If your goal is to pay off credit card debt in a reasonable amount of time, you are going to have to pay more than the minimum payment. Here’s why.
Topics: Credit Card Debt
Congress is working to pass the new administration’s American Rescue Plan to help alleviate the financial strain caused by the Coronavirus Pandemic. While the bill has not yet passed, it may contain the following benefits when it does.
Read MoreTopics: Covid Debt Relief
Emotions and impulses influence how we spend our money. To some degree, it is natural to seek emotional gratification from the fruits of our labor, but it is important to remember that emotional spending and impulse shopping are two of the archenemies of healthy personal finances.
Read MoreTopics: Financial Education
Do you ever find yourself buying something impulsively? According to newneuromarketing.com, the average consumer spends more than $5,400 per year on impulse shopping for food, clothing, household items, and shoes.
Read MoreTopics: Financial Education
When you get your credit card statement, does the language look like Greek to you? Sometimes it's difficult to understand exactly what your credit card provider means because credit card companies often write in "legalese."
Read MoreTopics: Credit Card Debt
A traditional budget is an exercise in basic arithmetic. Knowing your fixed income, you set spending targets and try to stick to them. This means, however, that any substantial unexpected expense can upend your budgeting. Some people find it difficult to stick to their budgets due to this inflexibility.
Read MoreTopics: Financial Education
When you think about making purchases with credit, the question to ask is not: "How much will my monthly payment be?" The real question is: "How much is this debt going to cost me?"
Read MoreTopics: Financial Education
Lowering your budget for necessities like food can be a great way to save money even after cutting out the nonessential bills. Here are some tips on how to save money on groceries.
Topics: Saving Money
While student loans are in forbearance due to the Coronavirus, this may be the perfect time to consider a student loan refinance. Lowering your student loan debt through refinancing may be able to lower your overall debt if you choose the correct loan.
A good way to save money when refinancing is often to secure a lower interest rate on your new loan since you can’t change the principal without paying it off. However, there are some additional factors that could alter your decision to refinance or not.
Read MoreTopics: Debt Consolidation
If you find that you have more debt than you can manage and are trying to reduce your monthly expenses to help pay down credit card debt, consider our tips on how to save on electricity.
Topics: Saving Money
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Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. Clients who are able to stay with the program and get all their debt settled realize approximate savings of 50% before fees, or 30% including our fees, over 24 to 60 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating. C.P.D. Reg. No. T.S. 12-03822
**Disclaimer - We do not charge upfront fees and you do NOT pay our fee until a settlement has been arranged, you approve the settlement, and at least one payment is made towards the settlement. As each situation is unique, fees and costs vary. Please contact us at 888-340-4697 for a free debt analysis and for complete program details.