When you are facing a mountain of bills its easy to start feeling like you are alone. The cold hard truth is, it is hard to get out of debt. That said, you need to keep in mind that you are not alone. Not only are there many others in the same position as you are, there are a wide range of debt help resources available to help. Just getting started is a big part of moving from over loaded with debt to becoming debt free.The most difficult part of...more
If you have been waiting for the right moment to start getting your finances under control then now is the time. There is absolutely no reason to wait. There are many debt help tools and resources available to get you on the right track. With just a little homework and some discipline, you can take advantage of these debt help tools to get your finances back under control. Remember, you didnt get into all this debt over night, so you arent going...more
We all need a little help from time to time. In todays economy this has never been truer. If you are struggling to make ends meet and the payments on your debt is outpacing your income, then you owe it to yourself to stop, take a deep breath, and investigate the many debt help resources that are currently available to you. These range from techniques as simple as credit card consolidation to as drastic as bankruptcy. For most of us, the solution to our debt problems lays somewhere in between.The very first step you need to take in working toward getting your debt under control is to find out exactly what your situation is. This means doing an honest inventory of your income and your expenses as well as your debt. Compile a complete tally of all your debt and the interest you are paying. The important thing is to include everything. Debt help works best if you really know where you stand. With a good picture of your situation you can choose the best combination of debt help solutions for your own personal situation.Now that you are organized and you have a clear picture of your financial situation you can start investigating specific approaches. There are many ways to get...more
If you need cash quickly, you may find that it can be hard to get a normal loan at the bank. In today's credit world, lenders are hesitant to lend out money, and that can affect many consumers. If your score is less than excellent, you may have a hard time finding any type of loan.One solution to this problem might be the cash advance credit card....more
A mortgage modification is a change to an existing mortgage loan that will make the payments more manageable for the borrower and help both lender and borrower avoid foreclosure. For both parties, this represents a big change that will hopefully prevent future trouble in paying back this loan. Throughout the process, it is important that you have a...more
Having to negotiate with your lender when you are in default of your loan is a tough situation. Homeowners are worried about their financial status and it can be very intimidating to try to reach some sort of deal. Even though it is very stressful, you can be successful by keeping your cool and having a plan. Before calling and putting yourself at their mercy, have a plan in place. The first thing is to explain why you should be given a modification. Compare your property with others in the area and figure out what your property can be rented for. This is a good starting point as the lender will see what other properties currently pay monthly and can work with your individual situation. It would also give them an idea as to how much they could rent it for if they foreclosed. Find out what your home is currently worth on the market. Your lender might require an appraisal, but you can get an idea of what your home is worth on the web. Zillow.com is one reputable site that can give you an approximation of the property's worth. Your lender will also send you an application package with other documents you need to sign and review. You will also have to provide current pay stubs and even...more
Comcast is always stirring things up in the world of entertainment. Provided with great services and low rates, twenty-four million customers across the U.S. love the quality and savings they get from Comcast. They are on the leading edge in cable...more
It should be pointed out up front that this article is not a list of funding sources and their contact information. If raising funds were as easy as a telephone call or e-mail to a funding source all companies would be successful in raising money....more
"Would you like fries with that?" The quintessential upsell. McDonald's and other fast food joints make a lot of money selling burgers, but why stop there? People who have just bought a sandwich realize that for just a few dollars more, they can get...more
Pool tables can be considered a major purchase for many. When it comes to purchasing a pool table you should be sure to make sure that it fits into your budget. Finances are most likely one of the biggest stresses when you are considering purchasing...more
Homeowners facing unaffordable mortgage payments can get help from their lenders by writing an effective loan modification hardship letter. It is important to tell your lender about your current financial situation and the reasons you are seeking...more
Mortgage refinancing options now exist for millions of people, regardless of their financial situation. This is because of President Obamas $75 billion housing stimulus program which is available to nearly any homeowner. This program...more