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(10) Take Full Responsibility for Your Debt

Why should you take full responsibility for your debt if it wasn’t your fault to begin with? Taking full responsibility is empowering for you. If you take full responsibility for the situation you are in, then you have the power to get out of that situation. Don’t blame it on the credit markets or the recession or your alcoholic significant[Read More…]

(5) Understand Your Debt-to-Income Ratio

Do you know what your debt-to-income (DTI) ratio is? Your debt-to-income ratio is the amount of your total debt you are carrying in monthly payments divided by your gross income. The equation looks like this: Total Debt/Gross Income X 100 = Debt-to-Income Ratio If you make $5,000 a month and have $1,000 in debt payments, your DTI is: $1000/$5000 X[Read More…]

How to Build Good Credit

(1) The reason that you should know how to build good credit is that good credit furnishes you with choices of where to live, what to buy, and when and how you want to go on vacation–just to name a few; (2) When you know how to build good credit you will learn that it may not help you get[Read More…]

Here are warnings about the debt settlement process: Debt settlement companies get paid for their services, even if they declare that they are “non-profit.” Typically, they want to get paid on the front end of the process, whether or not they have done anything for you. Debt settlement companies have different ways of getting paid. Let’s say you are $15,000[Read More…]

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Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum. Stet clita kasd gubergren, no sea takimata sanctus est Lorem ipsum dolor sit amet. Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam[Read More…]

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Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum. Stet clita kasd gubergren, no sea takimata sanctus est Lorem ipsum dolor sit amet. Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam[Read More…]