Category Archives: Debt

Financial Mistakes You’ll Regret in 10 Years

Many people put off financial responsibility as a task to be done tomorrow or when they are older, but in order to get the most out of your time and money, it is important to be responsible and make your money work for you as soon as possible.  

It may sound difficult or daunting, especially if you have just been living paycheck to paycheck without a plan, but after a few weeks, financial responsibility becomes a habit. Sometimes, it can even be fun and like a game to see how much you can make your paycheck work for you and your household.

Not Budgeting

Budgeting is an important part of any household. You always want to be sure that you have more money coming in than going out. The easiest and most effective way to ensure this is by writing a budget for your specific household and needs.

Budgeting makes it easier to see and control where your earnings are going. It also makes it easier to cut unnecessary expenses along with helping you keep track of any possible excessive spending. Budgeting also makes it easier to make sure you have an emergency and save for other reasons. In 2017, 78 percent of Americans are living paycheck to paycheck, which means that a lot of people are really vulnerable.

Not Paying off Debt Monthly

Paying off your credit cards and other debt is important. If you let the credit card debt pile up or don’t pay on time, it will have a huge impact on your credit score.

On top of a suffering credit score, you’ll face a suffering wallet as a result of your growing monthly credit card bill. On the other hand, if you constantly pay off your credit cards on a monthly basis, it can be a huge help to your credit score. You also want to make sure you pay the monthly bills for any other debt you might owe.

There are tools available that help you calculate monthly debt and forecast how soon you are able to pay it off.

Not Investigating Investments/Not Understanding Investing

Another huge mistake that often causes long-term regret is not properly investigating the investments you are making. Many people have no idea where their money is even going or what it is supporting.

Your money will work for you much better if you understand the market and how to make your money work its hardest for you. If you struggle to understand investing, it is okay to get professional help.

Ignoring the Importance of an Emergency Fund

Many people live paycheck to paycheck, but just because this is normal, doesn’t mean it is the best way to live your life. If you don’t have an emergency fund and are living from paycheck to paycheck, the smallest surprise expense could financially ruin you.

This surprise expense could be a car expense or a medical expense. You could also be unexpectedly laid off or fired. To start saving an emergency fund, you should save a minimum of $1000. However, once you are financially secure, you should calculate your expenses and save enough money to cover three to six months of your living expenses.

Buying a New Car You Can’t Afford

Everyone fantasizes about driving that nice, new, shiny car off the lot, but most of the time, the new car’s massive devaluation is excluded from the fantasy. Buying a car you can’t afford can be a huge pain.

It is perfectly fine to buy a used car from a reliable dealer, just make sure if you don’t know much about cars, you bring someone along who does. Also, never rely on an employer’s driver allowance or anything similar, because if anything happens to your job, you are left without that income but still with your car’s bill.

Not Being Properly Insured

Sometimes, health insurance seems so expensive that it doesn’t feel worth it, but not being insured is far more expensive. No one plans on having an emergency or any health surprises, but it happens all the time.

Even if you are healthy and have never had an emergency or health problems, you never know when health problems might emerge. You could get in a car accident, get hurt playing a sport, or be injured at work. You can be as careful as you want, and still end up with a huge medical bill.

You really need to be insured in case of health emergencies or any type of accident. Hospital bills are incredibly expensive, which is a huge reason why medical debt is the leading cause of bankruptcy in America.

Don’t risk your whole financial future for immediate savings. It can only go badly.

Not Making Retirement a Priority

It is the best for your future and you will earn the most the earlier you start saving for retirement. You want to make that interest rate work its hardest for you, and you can gain more through compounding interest the sooner you invest the money.

Starting your retirement saving early is very important since someone who invested $3,000 yearly for 10 years starting at the age of 25 will have over $338,000 in retirement, compared to someone who waited until the age of 35 and saved $3,000 yearly for 30 years, who would save a total of about $303,000.

This is why you don’t want to wait to start saving for retirement. Not only that, but time passes much more quickly than you realize. You don’t want to let too much time pass or you will never be able to retire.

Not Discussing Money with Your Spouse

Partnership makes everything better. You always want to make sure that you have an honest relationship with your significant other, so why would you choose to not be open about money? It’s actually one of many the things you should talk about it.

For the most part, two heads are better than one, and you will probably do a better job making the best financial decisions for your home if all information is known and out in the open. Talk to each other and be partners when it comes to finances.

Not Noticing or Investigating Better Solutions to Recurring Expenses

Many people have recurring expenses for things that are either unnecessary or that they don’t use. Also, there are usually better and less expensive options. For instance, why would you pay for cable if you usually stream your entertainment online?

If you only have cable to watch sports, either find a local place that plays your team’s games or find a streaming service that offers the game. Many people also have the ability to minimize their phone bills, or, if you want to minimize daily expenses, you could just take time to buy a good coffee maker instead of overspending on your daily java intake.

Make These Tips Habits

The habits listed above can be detrimental to your financial life, but with some willpower they can be broken. Once you stop making these 10 mistakes, your stress will be minimized, and you will wish you were financially responsible sooner.

It is relatively simple and provides a lot of day-to-day relief from stress related to bills, groceries, and other everyday expenses, and once you get used to your new, responsible habits, financial responsibility will become second nature.

Short Term Loan Facts

There are times when the unexpected happens which is the best time for a short term or payday loan.These types of loans are an effective and beneficial option that gives people instant money. If you’re in a financial bind a this kind of loan is a quick solution. You can easily apply for a payday loan online from the comfort of your home. There are many lenders that offer loans at a wide variety of different rates and terms. The biggest factor are the high interest rates.

Here is a list of things you need to consider before applying for a payday loan:

Research several different lenders. You can do this online by search for “payday lenders”. Be sure to make a list of the pros and cons of each lender.

Check out the lending process and become familiar with the requirements that are needed to obtain the loan. You can get approved by most lenders without going through any of the more traditional lending requirements such as collateral, credit checks, paperwork, etc. So be sure to choose a lender which doesn’t require that type of process.

Be sure you know the amount you need to borrow and how long the repayment terms are and if it fits comfortably into your budget. The amount of the loan and the repayment terms can help you determine which lender is right for you.

Check the list you made of several different lenders to find the one the best suits your needs.

When applying for a loan online be sure to complete the application giving all the information that is needed. The more information you give the faster your loan can be approved.

Include proof of income from your job and any other source of income. Again the more information you give the faster your loan can be approved.

Be sure you read all the paperwork the lender includes and that you thoroughly understand it. Ask questions if you have any doubts or don’t understand the paperwork completely. Also be sure to read the fine print since this is where you will find the details of the repayments terms, interest rates, and fees.

Read all paperwork that is associated with the repayments terms especially including details about should you need more time past the due date to make a payment. This part is where the interest rates and fees can double when you ask for extended time.

These are the steps required for a payday loan. If you follow these steps and submit all the required paperwork the process will be quick and easy.

Tips to Help You Get Out of Debt Starting Today

Insurmountable piles of debt just keep piling up in your financial life, and you’re tired of having to deal with it. From paying bills on time to declaring bankruptcy, options are available.

Don’t Accumulate Any More Debt

Individuals who are in debt often say they will use their credit cards just this one last time. If you are trying to combat large amounts of money owed, do not spend anymore. The only way you can use credit cards is if you pay off what you spend immediately on that same day. This could help you to earn points, which can then be used to pay off the debt.

Pay More Than The Minimum

Paying the minimum on all of your cards is likely to leave you in debt for years. You should choose to send a larger payment to one of the cards and pay the minimum on the others. Two popular strategies involve starting with the card that has the lowest balance and then moving onto higher balances and beginning with the card that has the highest interest rate and then moving on to the lower interest rates.

Consolidate Your Debt

Moving your balances onto another credit card can be a helpful way to save money on interest. You can also look into a home equity loan. If you have equity built up in your home, then you can usually qualify for a certain amount of money. Take that money to pay off your credit card debt. Then, you can pay back that loan over a longer period of time, and you may end up spending less on interest in the end.

Consider Bankruptcy

The above suggestions work when your debt is manageable even if it takes years to handle. However, some recommend looking into bankruptcy if your bills are completely out of your control. Financial consequences do exist to this plan as your credit score will generally be seriously affected. On the other hand, bankruptcy gives you the chance to wipe the financial slate clean and to have an opportunity to eventually start over again.

 

The mound of debt that you see before you likely looks stifling and jarring. Sitting down by yourself or with your partner to decide which of these options for debt relief makes the most sense for you can lead you to financial freedom in the near future.

How To Manage Debt Without Giving Up

It is easy to accumulate debt, but it can be challenging to pay your balances off. Debt can be so easy to accumulate that outstanding balances can easily get out of hand. When your monthly payments become burdensome, it may seem as though you make little dent in your debt reduction efforts. However, before you give up on debt management and reduction, there are a few options to consider.

Reduce Monthly Expenses
As a first step, review your budget to determine if you have any room to reduce monthly expenses. Everything from canceling cable service and turning off your home phone to carpooling to work for a few months may provide you with the extra cash that you need to reduce debt balances. Keep in mind that as you reduce principal balances on credit cards, your minimum required monthly payments will generally decrease. Ultimately, finding a way to pay a little extra money toward principal now can ease the burden on your budget in the future.

Speak With a Financial Expert
If you cannot find a way to reduce monthly expenses on your own, you may seek financial assistance. By speaking with a financial counselor, a debt counselor or a personal accountant, you may learn budgeting tips that can benefit you. It can be difficult to turn to a professional for assistance, but their insight may benefit you considerably.

Consolidate Debt
Another option to consider is to consolidate your debts. This may be completed by refinancing your home or car or by applying for a personal loan. When you consolidate unsecured debt on a revolving term into secured debt on a fixed term, you may qualify for a lower interest. In addition, you may structure the debt on a fixed payment plan with defined pay off debt, and your payments may be reduced.

Consider a Consumer Proposal
If these options are not successful for you, you can consider negotiating debt settlement with a consumer proposal in Mississagua. With a consumer proposal, from a company like Paddon & Yorke Inc, you are asking your creditors to forgive a portion of your debt, and they may also agree to other modifications in your financing terms. For example, they may lower your interest rate, and this may result in reduced payments.

Managing and reducing debt can be challenging, but it is not impossible. There are several steps that you can take to improve your financial standing with debt management techniques. Consider how each of these options can benefit you, and implement them in your life today.

Six Simple Rules To Follow That Will Get You Out Of Debt

When you have a substantial amount of debt, it can be difficult to see a clear path to paying it off. But the longer you carry high interest debt, the more you’ll end up paying in the long run. This means you will have less money to save and invest in the things that matter most to you. If this sounds familiar, you’re not alone. Read on for six steps to take to get out of debt for good.

 

Create a Budget, and Stick to It

 

The first step toward paying off debt is figuring out how much money you have to do so. Write down all your monthly expenses, then subtract the amount from your take home pay. Whatever is left over should immediately begin going straight to your debt payments. In addition, cut out unnecessary expenses like a high grocery budget, cable TV or dry cleaning. Creating a budget will help you visualize your spending and saving as well.

 

Stop Using Your Credit Cards 

 

While you should keep your credit accounts open, it’s critical that you stop using the actual cards. Piling more debt on top of the debt you already hold will make it impossible for you to ever pay off the balance. Be diligent in using cash, or pay for items with a debit card instead.

 

Pay Off Highest Interest Debts First 

 

This technique is called “snowballing” your debt. Pay the minimums on all your credit cards and accounts except the one with the highest interest rate. Put all extra money toward that high cost debt until it is paid off, then roll that payment to the debt with the next highest interest rate until your debts are paid.

 

Get a Side Job 

 

If you find that you can’t find any extra money in your budget to put toward debt, consider taking a second job. You can put everything you earn toward your debt, which will help pay them off much more quickly. Consider freelance writing, teaching classes, babysitting, cleaning houses, or anything else that can help you make some quick cash to put toward the money you owe.

 

Set Periodic Goals 

 

Having thousands of dollars in debt can make it difficult to ever see the light at the end of the tunnel. And if that light is years away, staying motivated can be a challenge. The answer? Set small goals along the way. For example, aim to pay off a certain amount at the end of six months. The more you pay off, the more money you’ll have to put toward the rest of your debt.

 

Stay Positive

 

If you feel discouraged, think about all the things you’ll be able to do once your debt is paid off, and the relief you’ll feel when those payments are behind you for good. Know that as long as you are making even the smallest payments, you are in your way to a debt-free life.

 

While getting out of debt can seem overwhelming and impossible, with some effort and a good plan, you can become debt-free. Consider talking to professionals if you feel like you can’t find a solution to your financial situation, says bankruptcy lawyers Thompson &DeVeny. It’s much better to ask for help when you need it instead of drowning in debt.

 

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5 Fool Proof Ways to Get Out of The Red With Your Family Finances

Many different families often have a difficult time staying afloat financially and staying out of the red. Although it can be a challenge to succeed in a struggling economy, there are a number of ways to thrive and establish a strong financial future.

 

1. Create a Budget

A realistic budget that doesn’t exceed your home’s monthly income will ensure that you don’t get into debt or overdraft your account. Eliminate extra luxuries that will provide more wiggle room in your budget and ensure that every dollar is accounted for with your expenses.

 

2. Use Coupons

Consistent use of coupons on household items and groceries will ensure that hundreds of dollars can be saved every month, which an be used for a rainy day fund or put towards debt. It will make it easy to thrive financially without having to earn an extra income or compromising what you purchase.

 

3. Create an Emergency Savings Fund

Many people get into debt by having a lack of a savings account, which should be used in the event of an emergency or an unexpected expense. Between a blown transmission to a visit to the hospital, unexpected bills should be planned for. Save at least $1,000 for the fund and build it up again as soon as possible after the money is used.

 

4. Obtain a VA Loan

One of the best financial benefits for those in the military is being able to obtain low VA rates when purchasing property. This will ensure that thousands of dollars are saved over the years and even make certain properties affordable for both veterans and those who are active duty. Those wanting to refinance can also obtain lower rates and ensure that they reap the benefits of serving in the military. A number of options are available to ensure that the best rates are obtained through LowVARates.com.

 

5. Pay Off Debt

Paying off student loans or credit card debt will ensure that you’re able to have a stable financial future without paying thousands of extra dollars in interest fees or late payments. You’ll also have a stronger credit score, which can reduce interest rates when applying for a home or auto loan.

By taking advantage of different tools available and by forming a new relationship with your money, it will ensure less stress and more peace of mind for plenty of savings and a more flexible budget.

 

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6 Tricks To Help You Get Out Of Debt Quickly

Debt is something that the majority of people today have to deal with, which is unfortunate. With this being said, if you do have debt, there are simple things you can do to increase the rate at which you are able to pay it off. Below are six tricks to help you reach a debt free lifestyle as quickly as possible.

 

1) Get Organized 

Organization is key when it comes to overcoming debt. Getting all of your bills and debts in order will allow you to take a calculated approach at paying them off. Having an organized approach will also reduce your stress, as you will know exactly what to expect at all times and never miss payments.

 

2) Adjust Interest Rates 

Getting on the phone with the companies that are handling your debt is a great thing to do if you want to reduce your interest rates. This can often take some time and considerable convincing on your part, but you can often reduce your interest rates simply by asking and staying persistent about it. If this does not work, considering consolodating your debt into a single payment, or go through a specialized organization that can cater specifically to you. For example, www.lowvarates.com offers low VA rates on loans to veterans, and veterans only.

 

3) Work Only With a Cash Budget 

If possible, try to keep your living expenses and debt payments all contained within a cash budget. Using credit cards will only make things worse as time goes on, and you will be fighting a constant uphill battle against accumulating interest rates. This often takes some lifestyle adjustments, but is well worth the effort.

 

4) Earn Additional Income 

Even if you work a full-time job, there are still opportunities that could earn you some extra money here and there. Even just a handful of additional dollars a week can put a serious dent in your debt over time. Consider your talents and whether or not you could apply them to a freelance gig of some kind. There are often part-time positions available at local companies as well, which could help a great deal without taking up a lot of your time.

 

5) Prioritize Your Debt Payments 

By simply focusing on your debts that have the highest interest rates first, you can save a lot of money in payments over time. Pay off your most expensive debts before focusing too heavily on ones with lower, more manageable rates.

 

6) Cook at Home and Enjoy Free Activities 

Nights out on the town are fun and a necessary part of life if you want to remain happy, but this does not mean that they need to be expensive. For example, try cooking a delicious meal at home, then go out for a free activity. If you search hard enough, you will likely find that there are a lot of free and fun things to do in your area that you never realized were an option before.

These are just a few of the easiest things that you can do to help reduce your debt quickly. Try them out starting today.

 

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Easy Steps to Recover Debt in a Small Business

In a small business, regular cash flow is necessary to make it run successfully. Hence, collecting money from clients is also necessary, to maintain the business structure. Being the owner of a small business, you need to maintain a record of your cash flow. At the same time, you should follow certain procedures to recover your money from the debtor. Maintaining these financial strategies, can save you from facing financial loss.

However, if you are struggling for a long period to collect the debt amount, the following steps can help you out in such situations.

Steps to receive debt easily:-

You may follow some of these discussed steps to avoid financial crises:-

ü       Friendly approach – At the initial stage, it is always advisable to have a friendly approach while asking for money from the debtor. You can remind your debtor via email or phone call. Remind him or her that the due date to pay the amount has expired, and you still have not received payment. Ask them leniently on which date they will be able to pay the amount. A friendly approach is necessary, because the debtor might have forgotten the date, or have paid the amount into a wrong bank account. However, being the creditor you should maintain a record of these emails and phone calls as proof.

 

ü       Overdue reminder – If the debtor doesn’t respond to your phone calls or your emails, try to get in touch with someone who is involved in the debtor business. Inform them about your communications, and tell them who you are. Ask the concerned to pass your message to the debtor, and in this situation, either the debtor or someone related to him or her to respond to the creditor. Hence, you can expect a return response from them as well.

 

ü       Visit the debtor personally – You should give final call or email to the debtor for the final reminder. If the debtor still ignores your call or email, its time you visit him or her personally. This visit might help to know the reason for which the debtor is delaying the payment. Moreover, this approach also helps in creating a personal relationship that could be helpful for future payments.

 

ü       Formal letter to demand for the amount – If your repeated approach via phone calls or emails is being ignored, you can send a letter of demand to the debtor.

 

ü       Get in touch with a debt collector – After sending the letter you if still don’t receive any response from the debtor, it’s high time to consult with an experienced debt collector in Melbourne. A debt collector is well aware of the necessary steps that can help to entice the debtor to pay the amount.

 

ü       Taking legal action – The debt collector will first approach the debtor by forwarding an email. If the debtor ignores this warning, legal steps will be initiated. A legal notice will be forwarded to the debtor to pay the amount on time.

During the legal proceedings you can hire a solicitor for legal guidance. The solicitor can explain you how these legal proceedings will take place, and what legal requirements you need to fulfil. However, make sure the solicitor you choose is related to debt collection in Melbourne for proficient legal guidance.

About the author:

Gita Ricca is a financial expert and has been associated with debt collection field for over 30 years. She has written many articles and blogs related to her field of interest. In this article, she discusses easy steps to collect debt in a small business. She also tells you how debt collector in Melbourne who is aware of debt collection in Melbourne can help you to collect your money.

Summary:

Regular cash flow is necessary in a small business to run it successfully. However, delays in getting money from a debtor, may affect the business structure. That’s why; in this article a few easy steps have been discussed to collect the debt from the debtor.

Your Options for Insolvency

The true definition of insolvency is when someone is unable to pay their debts. No one has to stay insolvent and there are a few options available to help.  The two more popular options are to get a higher paying job or get on a budget and spend less. The following are a few tips to help those who are currently insolvent.

If you’re out of options the only one that still remains is to claim bankruptcy. Claiming bankruptcy should be left as a last resort since the effects of bankruptcy can last between 7 to 10 years.

Another option for those in the UK, Wales and Scotland are IVA’s. While IVA’s can be a good alternative they can be more expensive than claiming bankruptcy. Recently another alternative has become available and that is debt relief orders. There are several requirements that must be met before anyone can apply for debt relief orders such as:

  • You cannot own any type of property or be a homeowner
  • The total amount of debt cannot be less than £15,000
  • Your total amount of assets must not be more than £300
  • Your income after typical bills and expenses less than £50
  • Live in Wales, England or the UK for the past 3 years
  • Have not applied for a DRO in last 6 years

Once you have applied for a DRO creditors must stop contacting you within that same year. Most people are usually debt free within 6 years.

There are a variety of additional options available for those that are insolvent to become debt free. You can also contact a financial advisor to help you find a solution that will best suit your needs. You can also find additional options by searching on the Internet. There you can find useful information that will help you decide which solution is best for you. All you need to do is search under “insolvency” to find websites that can guide you in becoming debt free.

If you prefer to find a financial advisor to help you through the process be sure you find one that is knowledgeable about insolvency and is experienced in finding solutions according to each individual’s needs. Every individual that is insolvent became that way due to personal circumstances. Each person’s set of circumstances is different so a financial advisor must be experienced in knowing which solution is the best one. Research each financial advisor thoroughly before making a final decision. Most financial advisors have websites where you can read more about their background and their professional experiences. Some even have a contact section where you can ask a question about insolvency free of charge. Some also have a free consultation session where you can discuss your case and ask any questions you have about insolvency as well as their rates to take your case.

Being insolvent makes it difficult to move through life and obtain what you need for a normal lifestyle. With all the options available no one has to stay that way forever.

 

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Rising debt problems is the main concern of drafting a budget

1176252_88773633It has been said by Bob Richards, the Finance Minister to the MPs that Government is going to raise debt ceiling by 2.5 billion and it will be high for all-time. Mr. Richards said that the increase was an indication of the severe state about the financial condition of the country. This was more than $1 billion high on the present debt ceiling.

According to him, the Government has to borrow above $330 million for the present financial year alone in order to cover a shortage of income in comparison to expenses. He told MPs on his first budget statement that it is the outlook of the Government what has become the yearly practice of diminishing the debt ceiling gives the feeling that there is undoubtedly no debt management at all. This will only sanction the restriction of Government borrowing. However, it does not set down the actual borrowing amount. The only change that can be done to debt ceiling is the final downward adjustment.

Mr. Richards has cautioned the House of Assembly that Bermuda Island is facing one of the severe confronts in the history. The economic basis of the island should be strengthened and secured in a better way. The OBA realizes the level and extent of the challenge and also what can be done. The objective is to make an economy that will work for everyone. This will set up a new basis for broad-based success.

The first path will execute definite pre-growth economic policies to motivate much-needed overseas investment, re-establish confidence in the island in order to make it a place where business can be done successfully and new jobs can be found easily. The second path will eradicate lavish spending of the Government. This will decrease national debt in due course. Besides this, the assigned borrowing requirement over the next year emphasizes the importance of the situation you face. Bermuda will require endurance and commitment to modify the method in which you do your business. However, the Government can’t do anything without proper support. It will obtain new cooperation level and support from the Bermudians in every field. As such, the existence of Bermuda economy is something for which you must work together.

Government anticipates taking in above $871 million in profits in the year 2013-14. But, it will possibly spend around $983 million. An additional $134 million will be spent on servicing Bermuda’s enormous debt.

Mr. Richards has said that the economy seems to be in its fourth year of contraction whereas Gross Domestic Product of the island had been reduced by 10 per cent since the year 2007. He also added that the economic pie shared by all the Bermudians is becoming smaller with very less to go around.

Bermuda Island had also experienced Current Account scarcity for five years. He added every year operating insufficiencies have grown unchecked from a $19 million excess in 2008 to a projected $247 million shortfall in the upcoming financial year. This accelerating progression is not acceptable at all. Thus, debt has been increasing since 2005, leaving the country by about $1.45 billion.

He further added that the debt level was a very big number for a small population that will take several years to pay off. As such, most Ministries’ cash requests have been reduced by a considerable amount during financial planning. Furthermore, the managerial structure of the Government is unnecessarily massive with 71 departments. This is a complication that produces surplus expenditure.

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