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Insights on money, career and trading

Stay Debt Free and Worry Free in Five Hassle Free Steps

Posted on October 20, 2013 by Daniel at 5:56 pm

Stay Debt Free and Worry Free in Five Hassle Free Steps

In today’s society, debt is one thing common to almost everyone. It has been included in one’s lifestyle. The saddest part is that more people have debts to pay than they have savings. When in fact, to save is the most important thing to practice. But if you ask the common people about their savings, majority will say they have none.
Five Easy Steps to be Debt Free
How can you pay your debts faster? If you are determined to clear off your debts, you can do so. One important thing you can do is to follow a pattern. There are five steps to help you succeed in paying your debts.
Step 1 – Calculate your total debt
Make a clear computation of all your total debts (credit card bills, salary loans, bank loans). List down each of them including the monthly amortizations, interest rates and due dates. If you can, communicate with the creditors and negotiate to lower down the interest rates. In this way, the burden will be lesser; making it easier for you to pay all your bills.
Step 2 – Create a work plan or repayment plan
It is very important that you follow a payment scheme. If you have multiple creditors, choose the lowest amount owed and make it priority number one. Break it down into how many months you can pay it in full. If you can, pay it one time in full amount. For the other creditors, set a minimum payment and make sure to follow the payment schedule every month.
Step 3 – Examine your monthly income and monthly expenses
There is a need to examine your income versus expenses. See if the monthly income is enough to suffice the monthly expenses. Whatever excess money you have can be added to make excess payments to your debts. See as well if you can cut down on the other unnecessary expenses, in order to save more. Still add the money to reduce more debt obligations.
Step 4 – Learn to save to pay your debt
Once you have identified all your debts, do everything to pay including the interests. Save as much as possible; do away with all excessive expenses. Just like watching a movie in theatres, instead rent a disc and watch at home with your family. Also, instead of dining out in restaurants cook your own meals and eat together with your family. Both of these activities will let you save money, spend time with your family, and most importantly be able to pay off your debts.
Step 5 – Make all these steps a habit
Continuously repeat all these five steps until all your debts are paid. Once all debts are paid, be wiser to choose your next expenses. Spend your money carefully.
As you can see, to be able to pay all of your debts also needs planning. Together with determination and discipline, there will be no debt that will remain unpaid. It is never too late to start because it is better to sleep at nights worry free and stress free. So choose now to be debt free.

Victoria Anderson is a finance advisor for Guarantor Loans. She writes articles about finance, business and debt consolidation.

How To Tell The Difference Between Good And Bad Home Builders

Posted on October 18, 2013 by Daniel at 3:16 am

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When it comes to the construction of a home, the quality is one of the most important factors that you should consider. This will ensure that the house remains standing for many years to come and that it doesn’t come toppling down on top of you. Even if it did due to natural causes or accidents, a good builder or building company would offer emergency Disaster recovery services should you ever need. So this is something else to look out for. Therefore, it would be great if you can find a service that can give you the needed assurance with regards to almost all the issues relating to your future home.

Furthermore, the problem for many people would be determining whether they have found a good home builder or not. And sometimes even if they have even found a good home builder sydney or anywhere else they might still have further doubts. Fortunately, we have compiled this relatively quick reference that should give you a good idea of whether you have a good or a bad builder on your hands.

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Is It Worth Insuring A Laptop?

Posted on October 17, 2013 by Daniel at 3:01 pm

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Buying anything these days requires a good deal of investigation. There is just so much choice, no matter what you are buying, and with the internet at almost everyone’s fingertips, there’s so much information at hand. If you give yourself a little bit of time and research properly, there’s no excuse not to make the right purchase every time, and this applies massively to laptops. If you’re steering away from an Apple purchase, then there is a huge amount of choice out there. There are hundreds of laptops which use Windows as an operating system and the choice can be overwhelming at times, so you have to be careful. Of course, most people put plenty of time and effort into their decision, but it’s surprising how often people spend good time on their selection without giving a second thought to protecting their precious purchases.

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The Benefits of Choosing a Thirty Day SIM Card Deal

Posted on October 17, 2013 by Daniel at 11:24 am

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It used to be that when your mobile phone contract became ripe for renewal the only option that you had was to change your handset along with your contract. This was either through an upgrade service through your existing supplier or by taking out a new contract somewhere else, with a new phone and a totally new deal. Not anymore, now you are able to take advantage of a much more cost effective option by simply keeping hold of your existing handset and opting for a SIM only contract. The benefits of a SIM only contract are many, not only can you keep hold of your existing handset, there is also no need to change your mobile number, so you can keep hold of that too. All of the major mobile phone network providers offer a SIM only option and the 1 month SIM card tariffs can vary greatly between them. If you have a good idea of what you need form your SIM only plan and understand the way that you use your phone everyday then you should have a clear idea of the kind of plan that you need.

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Financing Your Boat

Posted on October 17, 2013 by Daniel at 9:20 am

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You may have your eye on the boat of your dreams, but that might not matter if you don’t have a good way to finance it. While finding a way to financing your boat might seem like a tedious task, it’s extremely important in order to get the best deal possible, and so you don’t make any mistakes that will cost you in the long run. At Manitou Pontoon Boats, we understand the ins and outs of financing a boat, so we’ll walk through the proper process a buyer should take so you can be out on the water and enjoying your boat in no time.

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4 Ways to Get Rid of Tax Debt

Posted on October 16, 2013 by Daniel at 6:21 pm

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People don’t speak about it too often, but it’s kind of an open secret that millions of Americans are in tax debt. Many of them even face collection actions against them such as having their wages garnished or their bank accounts first frozen and then emptied by the IRS.

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Insights on money, career and trading