free debt adviceFree Debt Advice

 


Topics free debt advice

Cheating Spouses
Committing Adultery
Internet Infidelity


Melt Your Mans Heart


Editors Choices
Cell Phone Locator
Credit Cards
GPS Vehicle Tracking
Infidelity Books
Loans
Recovery Software
Online Detective
Spy Equipment
Monitoring Software



free debt advice

 

© askmaple.com 2004-2012


Free Debt Advice

How To Make a Debt Repayment Plan

You can find your way out of debt. It just takes a plan. Here's how:
All you need to do for your debt repayment plan is to calculate two things:
a) How much money you make (how much is coming in to your home).
b) How much you spend and where.

Sounds simple doesn't it? Unfortunately it will probably take a bit of work.

If you get a regular salary, the first part of the question is easy - it's less easy if you're self-employed, but still possible. The second part of the question will require some research on your part, unless you already keep meticulous spending records - and if you're in debt, the chances are you don't.

Where's the Money Going?

Step One: Keep a spending record

Record every last little cash outlay as well as big expenditures. You're trying to find out where your money is going in much the same way as a dieter tries to work out how many calories he or she is consuming.

At the end of each week, break down the spending into categories such as groceries, clothes, dry cleaning, petrol, coffee, newspapers and magazines and fill in the figures.

The more categories you have, the better. For example, don't just put down 'food.' Break it out into groceries, takeaways and eating out. Categorising specifically will tell you more.

After just one week of this you'll probably have a few surprises. After a month you'll definitely have new information - such as how much you spend on late video returns, two daily cappuccinos, or just how much those little forays to the shops for 'an eyebrow pencil' are costing you. (Many women are horrified when they see how much they're spending on cosmetics and hair-care products - especially when so much of that stuff ends up in a drawer, unused.)

Step Two: Make a plan
Now that you've got a few months' worth of nice, accurate spending records, the fun really starts: juggling. You need to create a Spending Plan that is based upon what you really need, what you really earn, plus a segment for debt repayment.

The key is to stick to the plan.
Quick checklist:

Figure out how much money you have coming in
Track your expenses
Create a realistic spending plan
Figure out how much you can pay towards debt
Repay your creditors proportionally
Keep the faith

Eye on Debt click here: Receive confidential advice for a no-obligation solution. By telling us a little bit about your debt, we will provide a customized quote to resolve your financial needs.

Consolidate debts into one payment
Lower your monthly payment
This is not a loan.
*See website for complete terms and conditions.

 

Tips:
Always Pay at least the Minimum Payment on your Credit Cards on the due date.

Do not use your credit cards if you can not pay them off in full. Get a prepaid card:

Apply for the Wired PlasticTM Visa® Prepaid Card today!

* Accepted everywhere VISA is accepted
* No Credit Check, Income requirements or bank account required
* FREE Online Access to Account
* FREE Mobile Alerts – Text to your mobile and email
* FREE Bill Pay Service – Pay Anyone Online or Over the Phone
* FREE Rewards Program – Earn 1 point for every $1 spent
* NO Bounced Check, NSF or Overdraft Charges EVER!
* FREE Direct Deposit – Eliminate check cashing fees
* Add Cash Instantly at Over 100,000 Retail Locations Nationwide - click here


BuyRIGHT Prepaid MasterCard® Card

BuyRIGHT is RIGHT for you! The BuyRIGHT Prepaid MasterCard® Card can be used wherever Debit MasterCard® is accepted, at millions of merchant locations and over 900,000 ATMs worldwide. Click here


Fast Cash Advance

Click Here to get a $1,500 cash advance wired to you in one hour!



The Orchard Bank® MasterCard® is an excellent choice for people looking to build their credit. As a card member, you'll also enjoy acceptance at millions of locations worldwide, including website purchases and reservations; account information updated and at your fingertips 24/7; email and text messages to remind you of your upcoming payment due date with online enrollment. Get pre-qualified online in just 30 seconds! Click here

Please note: The suggestions and advice offered on this web site are opinions only and are not to be used in the place of professional psychological counseling or medical advice. If you or someone close to you is currently in crisis or in an emergency situation, contact your local emergency 911 or a Counselor nearby

free debt advice