subject: Say Goodbye to Debts, Fast! [print this page] Did you know that an average American uses around 8-10 credit cards and has an average debt of $8,500-$10,000? Debts can easily pile up without realizing it when using credit cards. Some use their cards even for regular or everyday purchases, which become wasteful spending leading up to accumulated interest rates. Instead of managing one's finances wisely, using credit cards causes unnecessary debts.
Good thing though, are the different kinds of debt relief services to help Americans with their debts and finances. However, it is crucial to note that these relief services are not the same for everyone. As the needs and debt conditions vary from one person to the other, so does the relief service suitable for the individuals.
Let us enumerate some financial practices to eliminate debts:
1. The simplest of all is to practice common sense. Do not succumb to any more debts. Remember, your goal is to eliminate them and not add to them.
2. Avoid using credit cards as much as possible. Do not use a credit card on regular purchases like groceries, toiletries, and foods.
3. Define a budget. It's not only for big spending but also for minor ones. Having a budget will put parameters to your expenditures.
4. Ensure that you have an emergency fund. Set aside a certain percentage, ideally 15-20% every paycheck.
5. If you have other means to earn an extra income, try it. Part-time jobs, freelance work and others can help you with your finances.
6. If you have too much debt on your credit card, coordinate with the bank and try transferring the amount on another credit card with a lower interest rate.
7. If you have more than $8500 in debt, you can seek a settlement firm's assistance to consolidate or eliminate your debts.
8. Be firm in your decision to pay off your debts and avoid accumulating any more in the future.
Debt relief programs are available to help consumers who are in serious monetary problems. Anyone who is in debt should prioritize solving this problem. It will make life better. No debts, no stress!
Say Goodbye to Debts, Fast!
By: Stacey Kennedy
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