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Pay Debts Blog
Want to get out of debt, consolidate your debt, get a better loan or just learn some top money and debt rescue tips? We have financial advice here that will help you achieve your dream of being debt free. Absorb all the info on blog and join our site for articles and tips Consolidate Debts LoansPermanent link: What to do to increase your monthly income: Consolidate debts loans
What to do to increase your monthly income: Consolidate debts loans
So your budget lands you in a deficit? Your monthly income is way less than what is going out? No wonder you need to consolidate your loans and dramatically start to address this problem. You need to build a strategy for increasing your money. This sounds like the impossible, like it is terrifyingly daunting. But! let me assure you, money resides in the strangest of places. Assuming that at the moment you work just one job. You may think that you have no time for any other work, this is not the case. First find all the paperwork you were given before you started your job. Look for job descriptions and contracts. Try to find where is states exactly what hours and what duties you MUST do. Now try to visualize your day, count how many times you do the slightest thing that would not fall under your described duties. Then write down exactly what time you go into work and what time you leave, is it longer than what your contract states? If you are working above and beyond what you are supposed to do you must attempt to get a grip on the situation - but proceed cautiously. Jobs are like gold - dust in the current economic climate and it is extremely important that you do not jeopardize your main source of income. Rather than confronting your boss straight away start making a conscious effort to arrive exactly on time to work, not 30-35 minuets before-hand. Then make the effort to get up and leave at the exact time, make sure you are out the door by the time you are obligated to wok till, no i'll just finish this then head off’ or i'll just stay and chat... no, no, no! Your working day needs to be shaved down as much as possible, you can make up for the lost socializing at weekends (maybe). Technorati Tags: earn more money, jobs, balencing time, money helpPosted by Admin at 2008-07-30 15:56, Post Link
Permanent link: Follow our money plan - Consolidate debts loans
Follow our money plan - Consolidate debts loans
If you follow the above plan it should hopefully mean that if you work an 8 hour day, plus 1 hour for traveling you have 15 hours left in the day to start making more money. Unfortunately you need to sleep it is unavoidable, trying to avoid this will seem a good idea for about 4 days then you will realize you are doing more harm than good to your budget. We recommend dividing your spare 15 hours per day in half. This way you will have 7.5 hours in which you should fit in sleep, wash and dress and 7.5 hours a day in which you shall start to earn your extra income in. Some people may find working two jobs too difficult but remember that this should hopefully only be a temporary measure until you start to see the benefits of consolidating your debt. Tomorrow we will discuss how to make extra money in your spare 7.5 hours. Technorati Tags: make extra money, part-time job, second jobPosted by Admin at 2008-07-30 15:56, Post Link
Permanent link: How to get more money - Consolidate debts loans
How to get more money - Consolidate debts loans
4th Step: Finally, deduct the total sum of step 2 and step 3 combined from step 1. You are deducting your unavoidable outlay plus your necessities from your total income (after tax). 5th Step: Hopefully your sum will look something like this: Step 2: $1600+ Step 3: $400 Total: $2000- Step 1: $3000- Total: $2000= Final: $1000 6th Step: This would mean that you had $1000 per month to start saving and using for loan repayments. However most money pots have far less than $1000 spare, some are even in minus numbers. If you were left with a minus number then wait for the next article and you will be shown ways to increase you initial income. Otherwise read on and find how even just $200 spare per month can start to make a real difference for you. Final steps tomorrow... Technorati Tags: budget, increase monthly income, how to save moneyPosted by Admin at 2008-07-30 15:55, Post Link
Permanent link: More money part3 - consolidate debts loans
More money part3 - consolidate debts loans
7th Step: So working on the basis that your monthly spare was just $200, we can straight away turn this into a more attractive figure: $200 x 12 = $2400 annually. This is a great amount that can really make a difference to your debts. First of all divide the yearly figure in half. E.g $1200 8th Step: One half of this money will be used equally to pay off debt over and above the amount you must pay monthly anyway and to put away some savings in a high interest bank account. Therefore with $1200, $600 goes to paying off debt quicker and $600 goes into saving. Monthly this would be just $50 to find to put away in saving and $50 to start paying off debt. 9th Step: With the other half of the £2400 annual extra you must pay for all of your "luxuries". This will be the hardest part of the task, with just £1200 to spend over a year. For this year you can forget the vacation, forget fashion and trends, forget eating-out and explain to friends and family that their gifts are going to be home - made with minimal expense. The only real "luxuries" you will be able to afford for this year are: cable TV and some clothes, cable is around £25 a month so you will have only £80 a month to buy clothes or other chosen luxuries with. This plan is tough but if you can stick to it, your finances will improve dramatically. Of course many of you will have a much higher budget to work with, but the same formula applies to you as well. Technorati Tags: pay off loans, consolidate loans, budgetPosted by Admin at 2008-07-30 15:55, Post Link
Permanent link: Getting the best exchange rate - Consolidate debt loans
Getting the best exchange rate - Consolidate debt loans
Are you going on holiday soon? So where, how and when do you plan to get your currency then? The travel agents? Hmm think again. You will most likely be charged for ordering the currency, and for returning any that you don't spend also. Have you considered the good old post office? Not as glamorous I know. However, they charge 0 for getting you currency and 0 for exchanging it back! You have to order about 4 days before to be sure and safe of receiving your currency in time, but it is free!!! Now, I had a trip booked to the US (Not a last minute deal unfortunately, as I had to be in a certain place, date and time without fail) so the flights were booked a few months in advance. So as I couldn't save money on a last minute deal... I decided I would save on the currency. Now, I had never looked at, not had a lot of interest in looking at the foreign exchange rate-big mistake if you are going to travel! I went online and found the hourly updated official ? to foreign currency daily rate. Now, I found out what the $ normally is and watched... Every time it dropped went up to a high rate of dollars for pounds, I went and ordered a few dollars from the post office. I managed to get many more dollars for my pound this way - so considering keep an eye on the markets and dashing down to the post office for some cheap currency a few times before you get away. Technorati Tags: Getting the best exchange ratePosted by Admin at 2008-07-30 15:54, Post Link
Permanent link: Budgeting - Consolidate your debts loans
Budgeting - Consolidate your debts loans
Budgeting: If you're going to try and get on top of your finances, consolidate your debts and get your life back on track you need to have a healthy plan to stop you finances getting on top of you again. In order to work your way out of debt and stay out of debt you must have a real understanding of cash flow: balancing what is coming in with what is going out. Budgeting is dull and can feel like an unshakeable restraint upon your life, it is also totally theoretical and some people find it irrelevant in "everyday life". However, it is essential to get your economics straight and appropriate planning in place: I'm going to show you that it's not so difficult or restraining after all: 1st Step: Work out how much your regular job brings into the money - pot after tax. If you have a partner or anyone else who contributes add their income (after tax) to yours. (In the next article we will look at ways of increasing this initial inflow) 2nd Step: Work out what bills you have that just absolutely MUST pay. This includes all your different types of insurance: car, health, life, home. Plus other MUST pays such as rent / mortgage, other loans, telephone, gas ect. 3rd Step: To the total amount of step to work out the amount you need for the following: Food, toiletries, cleaning products and transport. Step 4, 5 and 6 tomorrow... Technorati Tags: budgeting, finances, home economyPosted by Admin at 2008-07-30 15:54, Post Link
Permanent link: Stress is not sexy - Consolidate Debts Loans
Stress is not sexy - Consolidate Debts Loans
Sex can be a great stress reliever, with the physical and emotional release, bonding, and release of endorphins. When we are in debt or worrying about finances, it can however be the last thing on your mind. Stress can actually prevent us from being "in the mood". With the libido - dampening effects of excessive stress, sex sometimes goes out of the window, in turn this can put more stress on out partnerships and cause more stress! This can be a vicious cycle that is hard to brake. Try to not allow closeness and love to go out of the window in your partnership. Talk, cuddle, and take some time for each other. It may take a while for loving feelings to come back. Be patient with yourself, and let things progress naturally. Remember that romance, physical connection and even playfulness are also important in a relationship, and all help lead to a stronger sexual relationship. Don't allow debt to come between you and you’re nearest and dearest. Fight it! Technorati Tags: Stress is not sexyPosted by Admin at 2008-07-30 15:53, Post Link
Permanent link: How to sleep through debt problems
How to sleep through debt problems
Take a hot bath Taking a hot bath before bed can help induce sleep Because your body temperature has a strong influence on how fast you fall asleep. A night's sleep is normally proceeded by a slight drop in body temperature and scientists have established that this drop in temperature tells your body to go to sleep. The theory behind taking a hot bath is to raise your body temperature artificially before allowing it to drop again as it adjusts to the cooler environment of your room. Try to have a warm bath; there is not need to become lobster pink! Stick to the same bedtime each evening Sleep experts believe going to bed and waking up at the same times on a regular basis is vital for healthy sleep. This is because humans have an inbuilt body clock called the circadian rhythm. Controlled by hypothalamus at the base of the brain, it governs the body's daily alternation between sleep and wakefulness. Try not to deviate too much with your bedtimes. Hot, milky drinks It may sound like an old wives' tale but taking a hot milky drink can encourage drowsiness because milk contains sleep-enhancing properties as it is rich in tryptophan, a natural aid to sleep. Avoid alcohol before you go to bed Although a couple of glasses of alcohol may make you go to sleep faster because it works on the receptors of the brain that induces sleep, any more than that can lead to broken sleep. Any more than this may have the opposite effect-so don't do it! Get good nights sleep; you can deal with your debt problems in the morning. Technorati Tags: How to sleep through debt problemsPosted by Admin at 2008-07-30 15:53, Post Link
Permanent link: What is a pension credit? Consolidate debts loans
What is a pension credit? Consolidate debts loans
Pension Credit is an entitlement for people aged 60 or over living in Great Britain. This could mean extra money for you every week. Pension Credit guarantees everyone aged 60 and over an income of at least: £114.05 a week if you are single £174.05 a week if you have a partner Also, if you or your partner are 65 or over you may be rewarded for saving for your retirement, up to: £17.88 if you are single £23.58 a week if you have a partner If you apply for Pension Credit and are eligible, you may receive a payment backdated (for up to 12 months from the day you were first entitled to the date you first applied). If you apply for Pension Credit, you must be at least 60 or within four months of your 60th birthday. It does not matter if your partner is under 60. "Partner" meanS your husband, wife or civil partner, or the person you live with as if you are married to them or as if you are in a civil partnership with them. This applies to gay and straight couples equally. Apply if you think you may qualify, don't miss out on potential extra income! Technorati Tags: What is a pension creditPosted by Admin at 2008-07-30 15:52, Post Link
Permanent link: Money Matters - fast cash
Money Matters - fast cash
Do you need some cash fast? Don't rob a bank, have a clear out! Sells used and vintage clothing, household items and collectibles (do you really want to keep that ugly vase you were ledft and never use?) Go through your music collection... have your tastes changed? Do you have any rare or collectable items? Take them to a specialist music shop for a price. Have you thought about ebay, for small items etc? They have free listings days, look out for them! Check out your local free paper to shift larger items (eg, old wardrobes, baby equipment etc) many have a free classified section. Check and see if you are owed a tax rebate. Di your uncle ever give you that £100 back he borrowed? As a last resort, the back of the sofa can normally produce a few gems. Pound coins, lost earings, and maybe that slice of pizza you thought you had eaten before you fell asleep that night.lol Technorati Tags: Money mattersPosted by Admin at 2008-07-30 15:52, Post Link
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