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How to Avoid Ever Using Debt Consolidation Services
Mar 22, 2012
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Who is in charge? You or your debt?
The answer is all in budgeting and managing your money.
One good way to approach the quest for financial security is to view your personal finances the same way as corporations and organizations do. When it comes to running a successful business two of the most important elements are the budget and financial plan. You see, a corporation does not view financial planning and budgeting as an “either / or” proposition. They have an annual budget that guides the day-to-day revenue and expense decisions, while their financial plan dictates the corporation’s future goals and offers guidance on long-term decisions. So you too should have such a financial plan and budget.
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Budgeting is not as complicated as it appears. Like most things, it takes a little practice, but once you start off on the right foot with the right plan and stick to it, it becomes second nature.
The number one rule: you must be honest with yourself.
What are your needs and wants? Do you even know? These are important questions to ask. Being realistic and thorough is the only way a successful budgeting strategy will work.
That may sound fairly basic and maybe even easy, and it can be, but budgeting involves more than just arithmetic. It takes determination. People experiencing financial difficulties need objective, unbiased, neutral information when it comes to money and debt. This is why I do what I do – educating people about credit and debt.
In working with many clients over the years who look for and need professional advice and assistance in sound money management through our credit counselling, debt consolidation and credit educational services. My team and I came up with some really handy budgeting forms and tracking sheets. Yes, we help each person along in the beginning, evaluating financial circumstances and creating cost-effective ways to help resolve debt problems, but it really always comes back to the diligence of good budgeting.
I’ve seen it time and time again. It can be a very challenging task for some, and can also mean a life-change as well. I often think of it as being so much like watching your calories and having to work out to stay fit. The hardest part about working out is putting on your shoes. This kind of dedication for managing and budgeting your money works in a similar way. You have to start somewhere. If you can stick to it, it works. Trust me, I know! Give it a shot and use our work sheets to get started in setting some financial goals. Get in touch with my team or me at anytime to help guide you through it.
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Solutions Credit Counseling Service was created in 1999 to provide consumers with a choice – we offer 100% confidential and unbiased Credit… (Bio)
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credit counseling debt consolidation question by LSU#1: Debt Consolidation?
Can anyone gine me ideas on the best companies to get a debt consolidation loan with? I’ve also thought about doing the credit counseling thing. Which one is a better option??
credit counseling debt consolidation best answer:
Answer by Bruce H
LSU;
Debt consolidation loans and debt consolidation or “credit counseling” are two different animals. Let me explain.
In theory, a debt consolidation loan allows you to borrow money at a lower interest rate than you are currently paying on your debts, and then use that money to pay off the existing debts. You will then be left with one debt at a lower interest rate.
That’s the “theory” anyway.
The reality is that most people who are having debt trouble cannot qualify for an unsecured loan at an interest rate that is lower than they are already paying. Another potential pitfall is that once you have paid off your credit cards with your new loan, there is a good chance that you will run up the balances on those cards again leaving yourself in even more debt.
If you are a homeowner, and have some equity in your home, you may have a better chance of making this work. In addition, you may be able to turn the interest you are paying into a tax deduction. Visit this article for more help with this. http://www.debt-elimination-guide.com/debt-consolidation-home-loan.html
Credit counseling or “debt consolidation” as it is often referred to is not a loan. Rather, you hire a company to deal with your creditors on your behalf. The company then negotiates better interest rates for you, sometimes as low as 0%. You make one payment each month to the debt consolidation company and they in turn make the payments to your creditors on your behalf.
A third option, which you did not mention, is debt negotiation. This involves negotiating with your creditors to actually reduce the amount of debt that you actual owe them, not just the interest rate. There are companies that offer this service as well.
To get a more complete understanding of your options, along with recommendations of companies that can help you, visit http://www.debt-elimination-guide.com
Good Luck LSU
