http://www.debtreliefblog.com Debt Settlement | Debt Elimination | Debt Relief Mon, 22 May 2006 21:08:40 +0000 http://backend.userland.com/rss092 en http://www.debtreliefblog.com/2006/01/34/ One of my Debt Free Divas community members just sent this question in about her finances - hope you find it helpful! Q. I’m determined to get my finances on track this year and would welcome a few pointers on where to start. There’s so much information out there that it becomes ... http://www.debtreliefblog.com/2006/01/5-steps-to-a-financially-healthy-new-year/ Initially, it was Frank McNamara of New York’s Hamilton Credit Corporation that come up with the idea of giving affluent businessmen a convenient way to charge some of their business related expenses. In 1950, he issued the original Diners Club card. It was made of pasteboard with the customer’s name on ... http://www.debtreliefblog.com/2006/01/credit-cards-debt-of-a-nation/ It’s that time of year again; soon you will have many sources popping up suggesting ways to spend your upcoming tax refund. Let’s put this in perspective. First, tax refunds are not “found” money, but a return of money YOU overpaid into the tax system! The average ... http://www.debtreliefblog.com/2006/01/tax-refunds-a-good-way-to-get-out-of-debt-2/ I want to share with you another question from one of my readers - the same concerns are shared by many people and this is one of the most commonly asked questions: Q. I need help ASAP. I don’t really know where to begin. I am about $30,000 in credit card ... http://www.debtreliefblog.com/2006/01/knowledge-is-powerknow-your-options-for-getting-out-of-debt/ For too long, DEBT SETTLEMENT as a form of debt relief has been misunderstood and not utilized bythe many people who could benefit. As of Oct. 17, 2005, the changes in the bankruptcy laws now make it more difficult for people to file for Chapter 7 bankruptcy which would absolve ... http://www.debtreliefblog.com/2006/01/debt-settlement-viable-option-in-light-of-changes-in-bankruptcy-laws/ A debt elimination plan starts with an understanding of where your money is going. If you are ever going to become debt free or get ahead financially, you have to start with setting up a budget. I’m not talking about keeping a running tab in your head or ... http://www.debtreliefblog.com/2006/01/get-debt-under-control-by-setting-up-a-budget-first/ You should start off by looking at your debt to income ratio. Here is a simple formula to help you calculate yours: Let’s say that your net monthly income (that’s after taxes) is $2500. Your monthly debt payments are $600. Divide $600 by $2500, and you’ve done it. 600 ... http://www.debtreliefblog.com/2006/01/do-you-need-debt-help/ When dealing with debt, stay calm and try to focus on the positives. If you are digging yourself into a hole, month after month, the simple solution is to stop digging. The real estate market in most places throughout the Country has created equity in peoples’ homes. ... http://www.debtreliefblog.com/2006/01/debt-consolidation-loans-good-or-bad-for-you/ If you force yourself to stick to a plan - whether it’s losing weight or getting out of debt, it’s not going to work if you force yourself to do it. It’ll only work if you’re ready, willing and see the benefits! Q: About 18 months ago I made a vow ... http://www.debtreliefblog.com/2005/12/youve-got-to-be-ready-to-creat-your-debt-free-plan/