Consolidate Bills - Stretching Your Budget When You Lose Your Job
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Thomas Erikson
May 9, 2013, 1:40:03 AM5/9/13
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Thomas Erikson
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Article Title: Consolidate Bills - Stretching Your Budget When You Lose Your Job
Author: Thomas Erikson
Word Count: 435
Article URL: http://www.isnare.com/?aid=132156&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=132156
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When it seems that your debt is piling up and you owe money to several different credit cards, then consolidating bills is a wise decision. Minimum payments can add up and if you�re only paying the minimum, you�ll never get anywhere. When you decide to consolidate your bills, you make a decision to take a first step to getting out of debt.
Credit card companies charge interest rates. That�s one of the ways that they make money. They also charge late fees and double or even triple minimum payments if you make a payment later than due. All of these are ways that they create capitol for themselves. Meanwhile, you may be struggling to keep up with the payments of several credit cards. It�s easier and more cost effective to get that payment down to one which will be more affordable.
In order to consolidate bills, you first have to gather up all of the credit card bills that you are currently paying. The next time you get a 0% interest offer in the mail, if your credit is good, apply for that card and transfer your balances. This will result in a lower overall payment that you can pay a few dollars over each month so the total debt goes down each month. At the same time in doing this, you are freeing up more of your income each month to spend however you choose.
If you have more debt combined than one credit card offer will cover, then consider a debt consolidation loan. In this way, you will still have the benefits of having one lower monthly payment and will still have more cash available to you each month. The only real difference is that instead of borrowing this money from another credit card company, you will be borrowing it from a company that specializes in debt consolidation. This type of company may also offer some sort of financial education if you feel that you�re having a hard time handling your own finances. They will be able to help educate you as to how not to get into this situation again.
It can be truly helpful when you consolidate bills. It helps to eliminate your debt faster than you would be able to do on your own. It helps free up more of your money each month to do whatever you�d like with. It can help educate you on personal finance. If you believe that you are having a hard time with your debt, consolidation of bills will certainly help.
About The Author: Thomas Erikson is co-founder of http://www.your-debt-consolidation-loan.com which provides debt consolidation information and solutions. Find out how you can quickly and easily get your finances under control when you Consolidate Bills.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=132156
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
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Message delivered directly to members of the group:
publish-the...@googlegroups.com
*****************************************************************
Please consider this free-reprint article written by:
Thomas Erikson
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=132156
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=132156
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Consolidate Bills - Stretching Your Budget When You Lose Your Job
Author: Thomas Erikson
Word Count: 435
Article URL: http://www.isnare.com/?aid=132156&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=132156
Easy Publish Tool: http://www.isnare.com/html.php?aid=132156
*********************** ARTICLE START ***********************
When it seems that your debt is piling up and you owe money to several different credit cards, then consolidating bills is a wise decision. Minimum payments can add up and if you�re only paying the minimum, you�ll never get anywhere. When you decide to consolidate your bills, you make a decision to take a first step to getting out of debt.
Credit card companies charge interest rates. That�s one of the ways that they make money. They also charge late fees and double or even triple minimum payments if you make a payment later than due. All of these are ways that they create capitol for themselves. Meanwhile, you may be struggling to keep up with the payments of several credit cards. It�s easier and more cost effective to get that payment down to one which will be more affordable.
In order to consolidate bills, you first have to gather up all of the credit card bills that you are currently paying. The next time you get a 0% interest offer in the mail, if your credit is good, apply for that card and transfer your balances. This will result in a lower overall payment that you can pay a few dollars over each month so the total debt goes down each month. At the same time in doing this, you are freeing up more of your income each month to spend however you choose.
If you have more debt combined than one credit card offer will cover, then consider a debt consolidation loan. In this way, you will still have the benefits of having one lower monthly payment and will still have more cash available to you each month. The only real difference is that instead of borrowing this money from another credit card company, you will be borrowing it from a company that specializes in debt consolidation. This type of company may also offer some sort of financial education if you feel that you�re having a hard time handling your own finances. They will be able to help educate you as to how not to get into this situation again.
It can be truly helpful when you consolidate bills. It helps to eliminate your debt faster than you would be able to do on your own. It helps free up more of your money each month to do whatever you�d like with. It can help educate you on personal finance. If you believe that you are having a hard time with your debt, consolidation of bills will certainly help.
About The Author: Thomas Erikson is co-founder of http://www.your-debt-consolidation-loan.com which provides debt consolidation information and solutions. Find out how you can quickly and easily get your finances under control when you Consolidate Bills.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=132156
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
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