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  • Debt Buyers will purchase your debt!
  • Substantially lower monthly payments
  • Get debts off your credit while you
    pay back creditors!
  • Zero upfront costs to enroll in
    program!
  • Become debt free in 8-15 months!

Would you like to consolidate your credit card bills and free yourself from debt?

Our debt consolidation service is here to help you!

After you fill out the short online form with your contact information, a professional debt counselor will contact you and provide a free credit card debt analysis, and discuss your options.

You may then decide if the program is right for you.

Why Consolidate Your Credit Card Bills Through Our Website?

The answer is simple. You get a free, no-obligation credit card debt evaluation from a consumer recommended company.

  • Drastically lower or even eliminate interest rates!
  • Eliminate late charges and over the limit fees!
  • Substantially reduce your monthly payments!
  • Cut the years it takes to pay off your debt, fast!
  • Consolidate your bills into one simple payment!
  • No Credit Checks, Home ownership NOT required

Credit Card Debt Management Solved! Budgeting is as Easy as 123

The word Budget may mean different things to various people. Some people think of it as a series of number crunching facing mind-boggling balance sheet and accounting ledgers. Others think of it as a life of hardship minus all the comfort of good food and leisure. Few may imagine it as living under a tiny roof with minimal water and light. Those ideas are based on extreme and negative definition of budget. The other extreme result of these thoughts is not having a budget at all! If you are wallowing in piles of debt due to lose credit card spending, budget may be the key to your credit card debt management .

To put it simply, budget is a plan that allocates your earnings to cover possible expenses that you might incur in the future, and also for credit card debt management . Once you master this plan, you can enjoy financial freedom and eliminate financial stress.

Not sure when to start paying those credit card bills? A Budget plan can solve it! Solving your credit card debt while not maintaining a budget will not keep you debt-free for long. Budget can help you control you monetary transactions and know when you can start repaying. It is the easiest and time-tested technique for credit card debt management .

So how can you get started? There are many ways to set up a budget. The simplest tool would be the pen, paper and calculator, next would be using a spreadsheet software like Microsoft Excel, the more advance option would be using money management software and the final option is the spending management software. The last two tools are used for accurate credit card debt management since it incorporates automatic calculations that eliminate guesswork associated in forecasting incoming income versus expense.

Start with the simplest form and gradually use the next tools as your management becomes more complex. All you need to remember are the three keywords making that compose budget: purpose, simplicity and flexibility.

Next step is to assess your financial situation. This is the list of your assets and liabilities. This includes your credit card debts. Next is to set goals on what you want to achieve in the future. One example would to reduce your credit card debt by 50% in the next four months.

Next is to develop, implement and monitor the plan that will achieve that goal. This could be done by increasing your income, reducing your expense or gradually repaying your debts to eliminate the amount due and interest charges.

Tracking is very important when sticking to the budget because it helps you monitor your income and determine where the money is spent on a specific time period. All these tasks involve discipline and perseverance since they need self-control. You need to be patient if you want to reap the results. If you think you need help, you can ask for assistance from professionals.

A tip to help you manage your credit card debt is to do the 60% solution. This means that 60% of the income is spent on fixed expenses while 40% is distributed to savings, wherein the 20% of it is allocated to debt payment if applicable. GP