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Tips and ideas on how to reduce and payoff your debt.

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Handing Over Keys To House

Paying Off Your Home MortgageThis page is about paying off your home mortgage. There are ways to pay off your mortgage while saving on the total cost of the financing your loan.

 

Too many overdue bills piled up on desk.

Sinking In Debt, More Bills Than Income?If your bills are higher than your take-home pay, it's time to get some help. This page has advice about sinking in debt, more bills than income.

 

Paying off Debt

Snowball Payments to Get Out of DebtUsing this method of making larger payments on consumer debt and paying them off in sequence can work for many people. This is a page about using snowball payments to get out of debt.

 

Debt Consolidation Tips

Debt Consolidation TipsThis page contains debt consolidation tips. There are a number of reasons you may be considering debt consolidation, often the result of high credit card debt.

 

Getting Out of Debt, Picture of a woman cutting a credit card.

Getting Out of DebtThis page is a page about getting out of debt. Consumer debt is at all time highs and the interest on carrying large amounts of debt is very expensive. Carrying less debt is something that every household should strive for.

 

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Working With Creditors?I have had my income cut! Now all my creditors want their money. I want to pay, but don't have the income right now. They call 20 times a day. I have told them, but they still call. What can I do? I will pay when I get back on my feet. I need advice. Please help.

 

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What Should We Do With a Truck That We Can't Afford?We are upside down on a truck. We need to relieve ourselves of this monthly payment. It is too much for us to handle. Is the best way to turn in the truck and make monthly payments on the remaining balance? Does anyone have any ideas?

 

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Saving Money Vs. Paying Down Debt?Does anyone have any advice about the virtues of paying off debt versus the benefit of having some cash on hand? For example, do you feel it's important to try to save money while you still have debt (especially credit card debt)?

 

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Debt Reduction Companies in Iowa?I am wondering if anyone who lives in Iowa can recommend a good company for debt reduction, etc. What I am looking for is the type of company that takes credit card debt and other unsecured type debts and gets payments and interest lowered for its customers.

 

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Keep Getting The Paper StatementsKeep Getting The Paper Statements. Online bill pay is a good idea. But it is also a good idea to keep getting the paper statements too. You can do one of two things with them. Watch the balances disappear as you pay them on time.

 

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Credit Help in the Philippines?I am really broke and I owe so much money from creditors, please help me find feasible solutions as to how I can settle all my dues in time.

 

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Using 0% Credit Cards To Pay Off Other Loans?Has anyone tried this? I am thinking of using one of my credit card offers of 0% for 15 months (though I plan on paying it off in 12 months) in order to put $15,000 down toward a HELOC loan currently at almost 7% interest.

 

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Paying Off Debt With My Retirement?I need advice on paying off debt. I thought that I might use some of my retirement that has built up to pay off some of the high interest bills I have. I am 30 and my husband is 26. I know it's not the best idea to do that, but I'm not sure why. Since we're still young, maybe we can still build it all back up?

 

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Debt Crash Diet: Spend LessIn the book Your Money or Your Life, author Joe Dominguez makes the point that money is really an exchange for your life force. Every dime spent, represents the time and energy you spent earning it.

 

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Debt Crash Diet: Earn MoreIn order to meet our goal of paying off nearly $20,000 in debt and saving $12,000 in 2006, it was clear that we would have to earn more money.

 

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Debt Crash Diet: Plan WellPre-teens are notorious drama queens. (The girls and the boys equally!) There is no easy way to tell them things are going to change drastically. Giving them a couple of months heads up helps.

 

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Debt Crash Diet: A Giant Step Toward a Different LifeShaunta Alburger has agreed to write articles for ThriftyFun. This is Part 1 of a 4 part series she has written about her plan to go on a Debt Crash Diet in 2006.

 

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Debt Free Christmas?I signed up for a Discover card last year and ended up putting a lot of my Christmas expenses on it. I am just now close to paying it off. Does anyone have any tips for having a debt free Christmas? Any tips would be appreciated.

 

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Tips for the Unemployed?I am looking for a little help here. I know there must be alot in the same boat. BUT I am trying to do it alone. I have been OUT of work all year! is there ANY hope? thanks in advance! - Anonymous - Editor's Note: If you post what region you will live in our readers may have some ideas about where you can look for work

 

Woman frustrated with bills

Combat the "I Need It" AttitudeThe economy is poor, but that's not the only reason that people are in debt. Other factors play a huge role in the circulating debt that swarms above the homes of America, and one of them is the "I need it" attitude.

 

Getting Out of Debt, Picture of a woman cutting a credit card.

Ideas to Get Out of DebtI am looking for ideas to get out of debt. I ran across a little plan to get out of debt that really works if you just stick to it.

 

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Debt Consoldation Resources?Do you have any tips, resources, guides, etc on the various debt consoldation agencies out there? I am trying to find out what is out there and what is legitmate to approach in getting debt consoldated and credit cards paid off.

 

A pencil eraser that is erasing the word "Debt"

Settling DebtIn times of economic stress, people turn to seemingly simple methods for erasing debt and lessening the monthly stress of bills. One of these relief options is debt settlement.

 

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Statute of Limitations on Outstanding Debts?Can anyone tell me if this is still true? If you owed someone money and they never collect on the debt for the 1st seven years then the debt is null and void (like you had filed bankruptcy against it,) and they can no longer collect money from you?

 

Tips for Becoming Debt Free?How to become a debt free?

 

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Reducing Debt?Do I really need a credit card? I am a divorced mother of two and wanted to get rid of some debt. Does it make sense for me to have a credit card? I'm wanting to close my credit card and just put money into a savings account.

 

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Dealing With Credit Card Debt?My income is cut in half. My credit card bills are overdue. They are calling all the time and I don't have extra money to pay them. How do I start climbing out of this hole that I am in? Any advice?

 

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Help Dealing With High Interest Credit Card Debt?I cannot keep paying this credit card at 39%, what can I do?

 

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Best Strategy for Paying Off Debt and Repairing Credit?Would it be better to get my credit repaired by going down the list to pay off collections, charge offs, and other delinquent debts when I get my taxes, or shall I seek a credit counseling service.....

 

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