Lets Get Rid of Debt Once & For All
You are about to learn how you can easily get yourself out of debt with the same money you have and how you can BOOST your credit so you can get your first loan to finally LEAP AHEAD INTO FREEDOM!
We have dedicated our efforts to provide you with the most direct ways you can start getting rid of your debth and as fast as possible!
We all have debt that we would like to get rid of. We are each in different stages of getting to that point in our financial situations where we do not need to worry about missed payments, collection calls and can call the rest of our paycheck after taxes OUR OWN MONEY!
so wherever you are in your journey WE are here to lend you a hand in two ways. first we want you to be aware and keep yourself in check in using the habits in our list below.
In order to break out of debt you can start right now by listing all the monsters in your closet. This means listing out everything you ever owe to others, credit cards in a notepad or paper and order them from highest interest rate to smallest interest rate.
Since the one with the highest interest rate is costing you the most money, that’s the one you want to pay off first. Once you have the totals listed out, and the interest rate on each, you’ll know exactly what you’re dealing with before you start to tackle the highest interest rate debt.
The Best thing you can really do is to get a credit counselor on your team for these reasons i'm about to tell you.By Contacting a great reputable couseling company you get accees to a free couseling call where they inform you of:
This is what we call your Freedom Day!
Read on to learn what you can do to get there in as soon as possible and shorten this time even more by improving your credit score in the ways below.
You need to understand that your credit score is based on various factors that impact your credit differently. Making monthly payments on time is your biggest bet at jumpstarting your positive move on the credit score ladder . The trick here is to take advantage of another yet significant factor which I would like to call your transaction patterns!
Let’s say you have a minimum payment of $100/month on a high interest rate credit card. You can pay the same sum of $100 in 4 automated payments set up in your online banking for each month. What you have done is created 4 payment signals with the same amount that you would have made a $100 transaction. Four pluses instead of one plus. You also are more likely to have $25 in one place than bigger some of $100 which helps prevent any missed payments. In the meantime, it is a good start to getting in the habit of managing your debt payments. It also acts as a positive reminder for paying off debt every week.
Let’s face it — emergencies are bound to happen which can throw your budget for paying your debt off out of balance. Although no one expects them, everyone should always prepare for them so the next smartest thing to do is to set aside a tiny budget for unexpected payments that you can build up slowly maybe with. Now Don’t let budgeting for this scare you because even a $5-10/week amount can add up.
This is your “rainy day” budget mentioned in the last number in the list. you tap into it when something unexpected happens. So the best thing to do here is to open a tax-free savings account ( TFSA ) or similar in your country to save in your bank. This is also another positive impact on your payment profile which can boost your credit score faster in just a short few months. Out plan is to pay off your debt and increase your credit score at the same time, in the same amount of time, with the same transaction amounts or possibly even lower them for you.
We all have our vices, our guilty pleasures, and sometimes it is attached to our habits and social culture. Want an example? Drinking, vaping, smoking, clubbing, fast food, coffee, luxury transportation, clothing etc. So how do we have our cake and eat it too? Think of your vice and cut it out for one week and enjoy it the next week. So twice a month you get to reward yourself the next week. At this point in the list your financial lifestyle has gotten a massive upgrade! Since these are not massive.
Start by paying as much as you can each month toward the card with the highest interest rate. Once paid off, direct the same amount you were paying towards the card with the second highest interest rate and so on. This will save you the most money over time. And once the debts start to disappear from your list, you’ll be able to gain more momentum and stick to your plan and your credit score keeps pushing higher every week.
You’ll be able to finally see the light at the end of the tunnel once you’ve paid off the first debt, and then you’ll feel accomplished and encouraged to take on the next one! The time passes by anyways... The Things You Do on a Daily Basis Impact Your Life More than You Can Imagine.
If you’re paying high interest rates, transferring your balances can make it easier to budget and manage for one payment instead of several credit debt payments. If you’re having trouble paying your balances — and even the minimum payments – at the bottom of the page we provide short but researched review of two of America’s best Credit Counseling Services. They provide free credit counseling and a debt management service for a 3% to 5% monthly fee not to exceed $50 (different for all states). Go to NFCC.org to find your local CCCS office.
One major factor in your credit score is how much revolving credit you have versus how much you are spending. If you keep this percentage to ideally around 30%-40% of your total available balance, your credit score will grow even faster.
To boost your score, “pay down your balances, and keep those balances low,” says Pamela Banks, senior policy counsel for Consumers Union. A season of paying off debt isn’t forever — it’s a little bit of delayed gratification now so you can enjoy a debt-free life later!
These steps are the most impactful actions habits you can start right away to boost your credit score and save money with nearly the same amount of money you are already spending.
I hope you enjoyed reading our list and implement these methods and integrate the habits in your daily life. If you do all of this TOGETHER, they will have a incredible jumpstart to your finances and ultimately your lifestyle.
Check out Our Top Recommended Credit Relief Program Providers below.
I JUST GAVE YOU THE KEYS TO YOUR FREEDOM.
take the next step and unshackle yourself by contacting america's top relief programs today!
We have scoured the net to find the best consolidation programs on the net and have narrowed down our list to two of the best, established credit and tax couseling companies in America!
THIS IS WHY WE LOVE THESE TWO COMPANIES!
CuraDebt Nationwide Debt Relief Since 2000
GET YOUR FREE SAVINGS ESTIMATE CONSULTATION
What do you get in your FREE SAVINGS ESTIMATE?
How much you could save
how many months to resolve your debt
Your benefits compared to other debt relief options
Your new low monthly payment
EASY & simple [ Tax/Debt consolidation ] registration form on site
ADE AMERICA'S TOP DEBT RELIEF PROGRAM
American Debt Enders OFFERS MANY DIFFERENT RELIEF SOLUTIONS SUCH AS BELOW
personal debt management
Debt Invalidation / Debt Dispute Program – Very Affordable – Attorney Backed Avoid Bankruptcy, Get Rid of Debt, Remove Credit Report Negatives (Can Include Private Student Loan Debt)
Tax Debt Relief (Includes Federal and/or State Tax Problems)
Pay Day Loan Relief – Relief now without having your Bank account seized
Federal Student Loans – Legally Compliant Programs offered through our Affiliate and the Dep’t of Education
Free Bankruptcy Consultation – Need $5,000 Debt Minimum
NEW DEBT DISPUTE Debt Relief Program Which Will Deal With Your Debt, Clean Up Your Credit Report, and Stop Harassing Creditor Phone Calls.
EASY & simple [ Tax/Debt consolidation ] registration form on top right corner of site
Here are the ones Who made it To their FREEDOM DAY!
“I was able to lower my interest and pay off my debt in full in less than 3 years!"
" Completely avoided banktrupcy thanks to your services, I couldn't have found your services at a better time!"
" I cannot believe the ease of high quality service CuraDebt provides to their clients. I am happy that I can pay such small monthly payments, No More Stress!"
"Being able to give my daughter such a wonderful guidance for her student debt payment was priceless!, Thank you American Debt Enders"
ADH© 2018 American Debt Heros is not the same company as AmericanDebtEnders or CuraDebt but only intends to present their services to their potential interested audience and clients while in the meantime providing value by informng them of different paths to take for improving their financial pesent and future. All the material on this page intends to guide the visitor through their journey into becoming financialy free of debt and hopefully free in total by presenting different ways to improve their mindset about managing money. This site is a seperate promoting party from American Debt Enders and CuraDebt Companies.