How to find a reputable credit counselor?

No body can deny the reality of Credit card debt as it is a part of life for many people, and it becomes even more if the economy is getting weak. Wise use of credit cards make them invaluable lifeline for the users all the way through tough times of their private or business lives, particularly balance transfer and low interest credit cards.

For people who are overwhelmed with credit card debt, consulting credit counseling agencies is a best option to help them out as these agencies provide all type of services including consultancy, information, assistance and advice. These agencies offer to help their clients in negotiating interest rates, consolidating their debt, laying out a budget or payment plan and many other valuable counseling

But unluckily, similar to all other professions, there are also many unscrupulous agencies working out there not deserving the respect they are getting and obviously can do more harm than good. Therefore, reaching a trustworthy credit counselor demands some effort and time. Here are a few things you should keep in mind while preferring any agency.

Professional Credit counselors can do much more except simply consolidating credit card debt. A good credit counseling agency should include many valuable offers other than providing simple services; they should give expert advice on money and debt management, complete guidance in developing a budget, free reading materials and besides all these they should also arrange for credit card debt management classes for their clients.

A good credit counselor will deeply go through your entire financial position and carry out collaborative approach with you in order to draw a personalized plan so that you can comfortably pay off your credit card debt.

You will meet many credit counselors promising to eliminate all of your debts completely or laying some other big claims that sound too good to be true; these are the same we talked earlier about, so beware of them.

Though, it is possible that credit counselors can negotiate the amount of your debts or interest rates, but remember there is no any credit counseling agency out there which can legally eliminate your whole credit card debt.

Professional credit counselors will provide you free information regarding their agencies and services they are specialized in, not asking you to sign up for these offerings. You should be allowed to determine their services’ accuracy from other private or government authorities as you need this consent in getting them verified with your state’s Attorney General, local consumer protection agency and Better Business Bureau.

Keep in mind credit counseling agencies can only provide their services in the states they are licensed for; therefore hire the one that is licensed in your state. Moreover, credit counselors should necessarily be licensed by not more if then at least one nationally recognized association like The Association of Independent Consumer Credit Counseling Agencies. For getting more info on that, you can visit the National Consumer Protection Week 2009 website.

Although many credit counseling agencies may include some additional billing of some type, you don’t need to pay extra bucks for this type of service. As well as some counselors do work with their predetermined fee structure and some allow clients to pay just what they can afford on their own free will. It should be clear to you that you are hiring credit counseling services to manage your credit card debt load, so increasing that load by agreeing on paying a high fee each month is not a wise thinking.

By keeping these things in mind, I hope you will successfully reach a good and reputable credit counselor in your area.…

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Payday loans: a simpler method to get the best loans

There are many problems related to the economical condition that most people face today. Thus, you do not need to be worried if you are facing the problems in your life. The right thing you must if you get them is to find the best solution that will make your condition better. If you need to pay any kind of bills and rent payment that are crucial for your needs, it is a good idea if you consider the presence of 1500 $$ loans. These kinds of loans are really important for your needs because those are able to cover your problems in a good way. Also, you must know that payday loans are really beneficial in doing the functions very well so those will be great for your needs.

In fact, the coming of short payday loans or long term installment loans are really great to think about because these could be the best answer for short term solution that will handle your finance problem until you get your paycheck. In this case, you will understand very well that the use of payday loans will be the best help for you. If you are interested in getting these loans, it is your turn to find the right lender who will help you very well. And then, you must follow the requirement given so you can get the right loans that are really useful for you.

When talking about payday loans online, it is also important for you to know that there are many good things offered so you will not feel sorry to take them. The most important thing given by these loans is the ability to cover your problems and those will not give the bad impact for you because the payment system will be fitted with your ability. Besides, the lenders will keep your privacy so you will be sure that your information will be safe.

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Own your money

When it comes to money, I’m definitely the nerdiest guy in my office. I’m not obsessed (anymore), but I do enjoy a good money read if I feel the author knows what he or she is talking about and the topic is pertinent to my interests. As much as I enjoy learning it for myself, I take great satisfaction in passing the best principles along to my interested friends and anyone else who cares. Depressingly, this is a very small number. But you’re here reading, so you care more than the average person, and I’m glad you do!
There are several different things you need to do right away to take back your paycheck. I’ll cover three big ones here. You know these, but every one of us not only needs to be reminded of them, but also encouraged to make progress. So put on your big kid boots and let’s go…

Stop Taking On Debt….IMMEDIATELY!

And I mean now. Not tomorrow, not after payday, not next month. Now. Duh, right? Wrong. I’m not just talking big ticket “wants” like cars and big kid toys. I’m talking “needs” like that $30 dinner you’re planning to put on your credit card, and that $50 buy-in poker night you know you’re going to win. Stop it.

Start Paying Off Old Debts

A big mistake often committed by well-meaning people trying to break the debt cycle is this: rather than paying off debt aggressively, they choose to make minimum payments and put as much as possible into savings. It’s not a lack of effort, just a lack of info. I’m here to help solve the latter. You’ll never earn enough interest in savings to outpace what you’re paying in interest to lenders. Won’t happen. And don’t even try the investment argument. If you’re in debt, you have no business tying up money in investments. There’s no way you’re going to find an investment that will come close to paying you more than that 18% credit card is charging you in interest. Start smallest to largest and pay those debts off!

Make a Difficult Cut

Seriously, get rid of the $30,000 car. If you want to exercise your financial muscles and build some equity in your life, you have to break bad habits today. Shed the flabby extras and streamline your operation. Look at your finances as your own little business, and protect that business from competition! You can’t afford to make those payments while taking back your paycheck, so take the plunge, make the cut, shed a tear if necessary, and move on.

These are only three of at least a dozen or more points I could rattle off in my sleep. And no, I didn’t invent this stuff. Dad and mom taught me. Just like someone else taught them. And on and on it goes. These principles are age-old, and I fully intend to keep them alive as long as someone will listen. There’s a lot more to cover, so check back for future articles!…

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Ways to save money at the grocery store when you are low on cash

We are going through tough economic times. We need our money to stretch even further especially when we are in the grocery store. Here are my money saving tips to help your dollar stretch at the supermarket.
First, use coupons. Join your favorite product’s websites and you will get coupons for your brand loyalty. Even if is cheaper to buy that 99 cent soda with that coupon, you should be able to get the healthy juice at the same price especially if is on sale. Also, while it’s is great to have brand loyalty not all the generic brands taste badly, so don’t be afraid to buy that generic brand of cereal. You can even combine one box of generic brand cereal with the name-brand so your kids won’t complain. In addition, if you still want organic products go to Whole Foods and buy their expanded store brand their organic line called 365 products.

Speaking of kids, if you can arrange with your neighbor to watch each others kid each time one of you go to the grocery store, you would spending less money. Maybe you can make a trip in the middle of the night when they are sleeping. Your mind and your wallet will thank you.

If you must take them with to food shop, don’t be afraid to talk to them and tell why you can’t afford to buy the more expensive brand. It is never too early to teach them tips on how to save money. Maybe you even have them help you by sorting the coupons, seeing which store has the best saving for the week, helping you compare brands and making it a game to see how much you saved at the check out. Learn the sale patterns. For example, because of the Super ball a lot of snack foods, chicken wings and soda will be on sale. If you make your kids involved in shopping they are less likely to be bored and throw thing in your cart.

Also, some of those easy ready foods that you buy you can cook at home. If your kids love macaroni and cheese then try a recipe at home. It will taste better and have less added sodium and preservatives when you make it at home. You can make an easy homemade soup with reduced sodium chicken and some added leftover meat and noodles or rice.

When you buying those easy ready foods at the market, make sure you read the label. Avoid foods with ingredients you can’t even pronounce or so many ingredients you can’t even count them. When comes to eating the less the ingredients you have the more homemade-tasting the product is. Also, watch out for the secret sugar that ends in use. Corn syrup is not the only sugar to look out for. For example, look for sucrose, and maltose. These products are just fillers. If you are buying that frozen meat lasagna see where on the list of ingredients the meat and cheese is. The earlier on the list the better and the more meat you get. Even look at your bread and see if it has a lot of added sugar and salt.

Also, look out for the reduced section or rewrapped vegetable in produce. A lot of times vegetables are reduced because the stores have too much of that item. Also, if you can join a community garden you grow your own fresh vegetables and herbs. Sometimes if you volunteer to help other gardeners then you can get a reduced vegetable plot price or get a free plot. Fresh herbs can get expensive to buy at the supermarket. You can even grow them in a window box on your patio or fire escape. Maybe you grow some vegetables or herbs on the roof. If you see spotted banana reduced, you can use them to make homemade smoothies or banana bread. It is cheaper to make these items yourself rather buy them. You also will pay extra for the packaging and advertising as part of the price. Just can make the homemade smoothies and add it to some of the extra empty water bottles that you have hanging around the house. Also, if you buy a large container of yogurt and add your own fruit you save money. Use some of the fruit that you brought reduced. A lot of times an expensive brand will be reduced because the box is a little damaged or a label got ripped on a bottle of juice. Look for the reduced cart or section that doesn’t just sell dented cans. A lot of stores have unadvertised specials, make it free to join their saving clubs, and have early bird specials that are only good for a few days, late evening specials or specials only in the morning.

You can check out the 99 cent stores for certain items. A lot of times they sell name-brand foods for just a dollar. I have gone and gotten Perdue chicken for just a buck. A lot of times they sell foreign well known products that we don’t know because they are not American labels. But just as you don’t go into the supermarket without a list don’t go into these without an objective of what you are looking for. You may be looking for just chicken but you end up buying a lot more then that because the price is just 99 cents. Or decide on a limit on what you are going to spend and just bring that amount of cash to cover those items. Also, don’t carry the debit or credit card when you shop at those stores.

Another way to save money is how you get to the grocery store. You can walk to the store and just bring the grocery cart. Pushing a heavy cart can build muscles especially if you push the cart up a hill. Also, save gas money and go the same time as your neighbor.

Things will get better over time in this tough economy. But you will be better then ever because these tips will help you are start feeling better in this new hopeful year of 2019.…

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