Debt Relief Information, What to Consider to Get Ahead
Debt relief information may require a financial detoxification. Think of moving to another state where there is no income tax. Florida and Washington come to mind. Whereas if you stay in a state with a high income tax, it will not get you ahead when you are deep in debt.
Before we proceed, I know some of you are getting hurt. It is not easy to remember everything we have to do. There is the job to go to that consumes eight hours every day. Then we have to look after the home and family. So all of us really need reminders from time to time. Not only that for there are four steps in the learning process to go through before we can follow instructions.
Unless we get a coach or a guru which is expensive. Besides, the concept of "who do we listen to" is very important. It has to be someone who has been there and gone through the stages and has gotten the results we are aiming for. And it has to be someone with a heart and not just out to get our money. And these days, it is difficult to know for sure because it seems like every Tom, Dick, and Harry can say he can help. So that leaves us the only other thing we can employ and that is through repetitions.
So to do my good deed, I am going to offer a five-day mini course to remind you of some specific things that will help manage the debt. You can be reminded exactly what to do from day to day and year to year on things we sorely need so we do not forget some essentials.
As a bonus, after the five-day mini course, you will get alerts and tips just in case there are new things you need to know. The most you will get is once a week and you can always unsubscribe anytime. Those who are already subscribed to the alert and tips can unsubscribe so they will not receive it twice or delete one each time. There will be an unsubscribe button at the end of every mail you receive.
For example living in California with one of the highest state taxes in the country will not help one go forward when one's debts are out of hand. Moving to a state with no state income tax will give one an extra five to ten per cent money to pay down the debt. This is one debt relief information we need to get ahead.
It is never too late to get out of the hole we dug ourselves. We produced this problem and by golly, we are going to solve this challenge. Not answering the phone when the collectors call will not solve the problem. Ignoring the bills will not solve the problem. We've got to meet the problem head-on.
How can we do this? Simple, get as much debt relief information as we can. And be ready to shed the things that we don't need. That Mercedes Benz in the garage? Get rid of it. We don't need that. What we need is cash to tide us over. And Thrifty Living may be good for all of us. Find out right here.
Now let's go to the financial check-up that we need. Every time we are itching to buy something, let us ask ourselves if we really need it. Do we really need a swimming pool? Duh! For crying out loud, we live in Maine where summers are short.
Are we buying things to impress people? Heaven forbid, if people are impressed by what we buy then they are not people worth impressing. So whatever we want to buy and it is not necessary, let's step back. There are other ways to impress people. A sterling character for one thing is worth more than all the swimming pools we can buy.
Before making any financial decision, think it twice and then think it through. For example when deciding to buy a home, do some advance planning. Don't just jump into buying a home without thinking of all the ramifications and all the available debt relief information.
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Some people jump in and buy a home on the basis of the mortgage payment alone. They do so without thinking of the other expenses that come along with home ownership. There are taxes, lawyers' fees, water, electric bills and other maintenance costs. Then make sure you have adequate life insurance but don't buy it until after you have read this book on Questions and Answers on Life Insurance.
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Think ahead to what other costs will come. It is good to anticipate the consequences of the decisions made today. Will you still be able to handle the extra costs? How about if you get sick? There has got be enough money put in the emergency fund just in case especially if you do not have health insurance.
Then if the problems start rearing their ugly heads, be ready for action time. Some people will refuse opening the bills. They think the problem will go away that way. The thing to do is meet the problem. Talk to the creditors. Figure out how to pay the debts off.
Then make adjustments. If the hole is too big to get out off, it's time for the spouse to get back on the job market. It does not have to be a full time job. Stop thinking of how good yesterday was, think of today and tomorrow and go to work. This will not harm anybody. To tell the truth, it may even raise one's self-esteem. And admit it, all the debt relief information will help.
Debt Relief Information on What To Do First
Debt relief information, no matter how good, will not be easy to follow. The problem is deeper than this. You will have to practice good money management to be debt free. Here's what to do first: Call the credit companies and convince them to lower the interest rates or forgive your debt or give you a new schedule of payment that you can live with.
Prepare before though by listing the debts according to importance and interest rate and think of what you are willing to pay. Write down what you plan to say and anticipate their questions so you can practice answering them with someone you trust.