There are certain questions that you need to ask yourself before you enter into the realm of debt consolidation. You may think you’re ready, but if used improperly or at the wrong time, the process can provide a gateway to more debt and more problems while offering only short term relief from payments. Remember, when you’re up to your eyeballs and feel like you’re on the brink of being overwhelmed, sometimes your poise and ability to calmly sort through the mess is the bets (and only) asset that you have.

First, you have to be ready to cut up all your credit cards. Better yet, close the accounts so the only thing you can do is make payments on your balance. If you’re this far along the debt game, you might have had that done for you already by the creditors themselves. Good! They did you a favor and saved you some time. Closing a credit account can take anywhere from 10-30 minutes, and that’s time you don’t have right now.

Once you’ve made the personal commitment to stop living on other people’s money, sit down with a pencil, notepad, and a calculator. Find copies of any bill that you have laying around that shows your recent account balance for each and every credit card (or any other form of debt), and start writing. You want to find the balance, the minimum monthly payment, and the interest rate that the company is charging you on your balance.

Now start writing down all your monthly expenses, beginning with your rent or mortgage, groceries, utility payments, cable, internet, phone, gas and anything else that you pay every month. Once you have all this information listed, take a new sheet of paper and write down your monthly income (take home) at the top. Start subtracting the essential monthly bills from that amount, and keep track of the total. At the very top of your list should be rent, utilities, and groceries. Gas for getting back and forth to work should be high. Your car payment should be right up there as well.

Once you have all your essential monthly expenses listed, look at the total remaining money left from your monthly take home pay. That’s what you have to put towards a debt consolidation loan, and that’s what you should base every penny that you spend on. If your monthly essential list totals up to more than you take home, there are some additional steps that you need to take first, such as getting rid of a car payment or cancelling your cell phone or cable television.

Allen is a freelance writer who covers whatever financial topics hold his interest. Find out more information on debit consolidation programs and debit consolidation companies here.

[tags]debt consolidation, debt management[/tags]

Everyone needs to sort out a pension at some point in their life and the sooner you look into the process the easier it is to deal with. One of the first things that confuses people looking into pensions is the different types on offer.

In this article we will explain the four main types which will hopefully help you feel more informed about which option is most suitable for your circumstances.

State Retirement Pension - this is the pension provided by the government, for some people the level of money provided by this pension may not be enough to live off, however almost everyone is eligible for the scheme.

You can begin to claim the pension at the age of 60 if you’re a woman or at the age of 65 if you’re man.

The amount of money you received is based upon you National Insurance contributions, if you’ve been out of work for significant periods of time or under the NI threshold you might need to seek further advice on your entitlement.

Occupational Pension - in the past this was the most common pension people would have in addition to their state pension though with Stakeholder schemes they are becoming far less common.

The pension scheme is set up by your employer for all members of staff who want to become part of the pension. However due to the changing work climate where people move companies more frequently occupational schemes are proving less common.

There are two types of occupational pensions schemes, the first is known as ‘Final Salary’ with this type the amount you receive from your pension is calculated from the earnings you were making prior to retirement. This is particularly appealing if you’ve been promoted over a series of years to a senior position towards the end of your career.

The other option is known as ‘Money Purchase’ here your payments are based on the amount of money you actually contributed to the pension. I.e. if when you started the scheme you only made small contributions you won’t receive as larger a payment when you claim the pension.

Personal Pension - some times people will want their pension scheme entirely separate from their employer, this is where personal pensions come in. They are completely independent from your work place and are organised through commercial organisations like banks and insurance companies.

However with personal schemes as the obligation to pay falls entirely with you if you pay in little or not very often it will have a significant impact on the amount you receive. Also their may be penalties for changing the amount you would like to pay in, if for example if you begin working for an employer who has an occupational scheme that may incur a charge.

Stakeholder Pension - increasingly becoming the most popular kind of pension is the stakeholder variety. It falls somewhere between the occupation scheme and personal types. It can be organised by employers, unions or other organisations like the Post Office. The advantage of this type of pension is it’s a lot more flexible than personal pensions and has less charges and penalties than other types.

The Pensions Regulator offer information and advice for trustees and employers dealing. http://www.thepensionsregulator.gov.uk

[tags]uk pensions, pensions uk, pension plan, pensions[/tags]

Fractual or fractional ownership is the hottest new approach to buying luxury items that an individual would not otherwise be able to afford.

Fractual (fractionally actual) ownership allows a group of individuals to purchase a percentage of real estate, luxury car, resort, vineyard, restaurant, jet, yacht, artwork, or even a fine Rolex. Fractual owners or investors reap all the benefits of ownership, but their investment expense is also smaller so they can afford a larger home, yacht, or several watches.

How Fractual Purchases Work

Luxury homes, condos, and exotic vacation homes are the most popular items for fractual ownership. Typically, the title or deed is divided into shares and those shares are then purchased by a group of investors, usually numbering between four and twelve, sometimes as many as fifteen. A management company is often employed to maintain the property and manage the investment. In some arrangements, the owners actually hold shares of a mezzanine structure or company that in turn owns the assets.

Most fractual properties are set up with an ownership agreement or contract that includes some fees to cover the cost of managing the property, details for usage for each owner, and various other guidelines for renting out one’s share or selling it as well as do’s and don’ts for the property. Some groups are formed among friends or family members working with a lawyer to set up the contract. Others are strangers working through a fractual development company or broker. Either way, a sound, clear and concise agreement is key to ensuring a carefree and hassle free investment. And similar agreements can be created and put into place for fractual purchases other than real estate.

Advantages to Fractual Ownership

Although it may sound like a new name for timeshares, fractual ownership is not the same as a timeshare. In a timeshare situation, the purchaser only owns “units of time,” not the property. Additionally, much of the cost of a timeshare, up to 50%, pays sales commissions. Because timeshare ownership is not linked to the property combined with the fact that they have faired poorly in the secondary market, the value of most timeshares have experienced a marked depreciation of their value.

Fractual ownership of a property entitles owners to usage rights but since they own a fraction of the title and deed, their investment increases in value as the property appreciates. Fractual owners are also eligible for any tax advantages associated with owning the asset. Banks and mortgage companies often treat fractual purchases as second-home purchases making it easier to finance them. Lastly, fractual shares in a property or assets can be transferred or sold fairly easily.

Fractual ownership is growing in popularity for other high-end items including jets, yachts, real estate and jewelry. Many of these opportunities are found with companies online. The Internet has opened up markets worldwide for buying and selling everything from abstract art to collectible figurines to fine jewelry to ski lodges in the Alps or a condominium in Madrid. With the practice of fractual ownership, these investments are becoming available to more people with some degree of a disposable income.

www.HighEndCrazy.com is the ultimate free online auction site. The site features free online auctions and classifieds, and makes it easy to set up your own store.

[tags]eBay alternative, free auction site, online auctions, free online store, online classified ads[/tags]

It seems to me that, for large swathes of the public, the two “fiscal rules” that govern economic expenditure are, if not totally incomprehensible, at least too shatteringly dull to care about. One states that borrowing should not exceed the bracket of 40% of GDP whilst the other, the ‘golden rule’, refers to the balancing of the budget over the economic cycle.

It’s not exactly Bad Boys II is it? For the past 11 years these Brownite commandments have largely gone undisturbed. However, with financial storm clouds gathering overhead, it looks like they might not be as perennial as people thought.

The problem with this, naturally, is that if someone starts moving the goalposts, it somewhat throws the match into disrepute. The Conservatives, as one might expect, are practically queuing up to attack the Treasury over the issue. “The last nail in the coffin for Brown’s reputation for prudence” they’re calling it. The shadow chancellor George Osbourne, for example, rather sniffly referred to Brown “giving the prisoner the keys to their own cell”

A couple of rather adroit analogies aren’t they? Well, yes, until you read what Cameron said about these ‘fiscal rules’ at his party’s economic summit only two days previously:

“I don’t believe it’s impossible to try to get some political consensus [with the government]…about tight rules on fiscal policy”

That’s how he decided to phrase his intentions for steadying up the economy. Elsewhere he claimed that he wanted to “Reform the fiscal architecture” Which sounds remarkably like the way Kevin McCloud might describe Labour’s policy of ‘relaxing the fiscal rules’

Of course, as the old saying goes, the duty of the opposition is to oppose, but to describe Brown (and invariably it is Brown and not the Treasury or Alistair Darling… I wonder why?) as some prodigal cad and then hint at proposing the exact same measures is pretty rich isn’t it?

Many financial commentators have described Brown’s cabinet as standing at a crossroads with this issue. Either, they tighten their belts, raise taxes and feel the brunt of public unrest, or they slacken their belts, throw caution to the wind and indulge in a little more borrowed cash. The choice, clearly, is a tricky one:

ROCK: Oi! Brownie! How can you justify sticking to a set of outdated rules that will unnecessarily burden the public?

HARD PLACE: Oi! Gordon! where do you get off talking about borrowing more money when the financial situation is in such trouble?

Still, I suppose either of the two main positions are better than what Nick Clegg’s thrown into the mix. His ‘fair tax’ party has done somewhat of a u-turn of late and are now saying that they can solve the sticky economic climate by… lowering taxes.

Mmmm…? Well, we’d all like to see how that plans out wouldn’t we Nick? Sure you’ve thought this one through? Because I find it very hard to believe that every other economic advisor has dropped the proverbial clanger and forgot to add up these huge sums of money that are secreted around the different nooks and crannies of public spending. Brown doesn’t keep a penny jar does he?

So what have we learnt? That the government is in trouble; that the opposition will belligerently scratch and claw at everything the cabinet say, and that Nick Clegg could feel the benefit of a nice sit down. Well what’s new? Of course, detractors will rally around to call this the ‘end of the Brown era of economics’ but that only matters if you believed in such short-sighted spin in the first place.

Samantha is a London theatre fanatic and regular West End theatregoer. She writes and researches some of the biggest London shows you can view examples of her work here Oliver and Show and Stay.

[tags]fiscal rules, economics, gordon brown, budget, nick clegg, taxes, economic climate[/tags]

Knowing how to manage money can help you make smart choices. Your money will work harder for you. You’ll be more likely to avoid traps that can undermine your ability to attain your financial goals. You’ll be in a better position to pay off debt and build savings.

Calculate how much money you earn in a month after taxes. For this budget plan, use your net pay or take home pay. Include tips, supplementary income, side-jobs, investments etc. This is your income.

Figure out your expenses. The best way to do this is to save receipts for a month or even a couple weeks. Knowing how much per month you spend on groceries or gas makes the next part much easier. If you want to start writing your budget today, and don’t have receipts, that’s OK, it’s just a bit more difficult.

Read and post messages on personal finance and budgeting topics with other people from around the world. Everything from saving money on groceries, to understanding your credit rating. This will get you some good tips on where you might be able to trim.

Break your budget up into some basic categories. You might want to organize your expenses into needs - such as your loan and electricity - and wants - such as clothing and entertainment.

List all your spending under each of these categories. Let’s take Auto as an example: $300/month car payment, $100/month insurance, $250/month on gas, $50/month on maintenance, 10$/month on fees such as registration. So, your total Auto budget for the month would be $710/month. If you don’t know the exact amounts you spend, try to make good estimates. The more accurate you are, the better chance your budget has of working.

After getting an overview of your monthly expenses, look for anything that you can cut down to help you save money. For example, if you always eat out at work, try bringing left over or home cooked meal. You can also bring sandwiches and drinks. This can save you an average of $200 per month if you estimate $10 of lunch per day.

Limit your movie watching to once or twice a month instead of four times a month. For a huge family this can be a lot of savings. Before going to the movies, eat first to cut down on food and drink expenses. Just buy drinks or bring your own if you can. You can cut down transportation fees such as fare, gasoline and toll fees if you participate in a carpool or ride sharing.

A simple budget can be written on a piece of a paper with a pencil, and optionally, a calculator. Such budgets can be organized in three-ring binders or a file cabinet. Simpler still thre are the pre-formatted household budgeting or bookkeeping forms that creates a budget by filling in the blanks. It is really easy to budget if you want to, but as most people don’t follow thier own plan most are doomed to fail.

Gav Shannon is a Network Marketing Professional who writes about different topics that he feels may be of an interest.If You want to know more about him go to http://www.gavshannon.com

[tags]finance,home budget,budget[/tags]

Firstly, what do I mean by a financial goal? For most of us, that would generally be a goal to either increase income or reduce consumer debt. Of course there may be times in our lives where we want to increase consumer debt to acquire goods and services sooner or to reduce our income as a trade off to have more time but in this article, let’s set those situations aside. In particular, let’s look at the scenario of reducing consumer debt by 50% in six months.

My standard formula for goal setting is to select a coach, have the required resources in place and to have a plan-A and a plan-B in place so let’s see how a financial goal fits in with this.

Selecting a financial coach these days is difficult indeed. Most financial advisors will only try to sell you products, thereby limiting their own risk in a highly litigious environment. If your goal is to reduce your personal debt by 50% in 6 months the financial advisor might be dismissive if there is no chance of selling a product into your situation.

Similarly, a debt financer will try and sell you a product that appears to reduce your debt but in fact does very little. Finally there are educators, who provide information but are prohibited by law to give financial advice. While they can give illustrations or tell you what they did, they cannot specifically advise you what to do and therefore cannot really be your coach.

I am aware, however, of some wealth creation companies that provide ‘integrated’ solutions providing all of the required professionals in a single meeting. By nature, however, the cost of this service is out of reach of many. One solution might be to use self-help websites and software to help resolve this situation, in conjunction with education and perhaps a visit to a financial advisor if necessary.

What resources do you need to reduce personal debt? Well first of all, you must be able to measure and control what you are spending. Yes, I am talking about the dreaded budget. With internet banking and plastic cards, it is relatively easy to download transactions from all of your banks and put them into a spreadsheet. I believe that the most important tool, however, is the banking system itself. With high interest-earning no-fee accounts available it is possible to use the banking system and the utilities to do a lot of the budget accounting for you.

The Plan-A is what you will do if you are on track to achieve your goal. Is there some kind of reward for achieving your goal? Clearly to reduce personal debt, you must have a system to control what you spend, so at a minimum a separate card account and bills account but more likely around 9 high interest no fee accounts and one card account per partner, preferably a debit card (or secured credit card).

The Plan-B is to identify the biggest risk and what to do if it happens. If, for example, you think that your car might need $1,000 of repairs but you can’t set aside that much money over the next 6 months, what will you do? Will you change the deadline, or cut costs in other areas? Can you do without a car?

Finally, tracking a financial goal and measuring the level of success is straight-forward when you have the right tools in place, such as internet banking.

Glen Smith aka Glen The Goals Guy has been running both goal-setting and budgeting workshops.
Visit http://QuickStartGoals.com or http://BillBanisher.com

[tags]goal setting, budgeting, get out of debt[/tags]

Small business owners generally fall into two categories. There are the business owners that let their accounting tasks, invoicing, and payables pile up on their desk - or even in a shoe box, until they’re forced to face the music. Usually this happens around tax time.

The other sides of the coin are the business owner that are amazingly organized and know where every penny of their money is going. What do these business owners have that the rest of us don’t? More time? A PhD in accounting? Nope, chances are they have a system. To put it more simply, they’re organized. If you’re in the crowd of business owners that let it all pile up, there are a few things we can learn from the more organized folks. If we take just a few of the steps organized business owners take, not only will we save several days of excruciating paperwork, we will have a firmer grasp on our money.
Here are some recommendations for good bookkeeping practices:

#1: Record income and expenses on a regular basis. If you have a budget, recording this information is as easy as taking a few minutes each week or about an hour a month and recording your income and expenses on your budget. Your budget will have expense categories that reflect your business and which are broken into subcategories that make it easy for you to record. For the less organized, a simple system is to keep a file for your week’s receipts and payments. Using this method all you have to do is pull out your paperwork at the end of the week, add it up, record it, and you’re good to go. Literally 10-15 minutes of your time.

#2: Create expense categories that make sense for your business. Trying to fit your business budget and bookkeeping categories into a standard form may not work for you. Not all categories will apply to your business and it can end up feeling like an incomplete and inaccurate project. For example, a direct sales company will have an expense category that includes shipping and receiving as well as an inventory category. However, a service business won’t have those categories and will end up with blanks in their spreadsheet. Spend some time going over your accounts and create a list of expense categories that work for your business.

#3: Have a method. When you have a bookkeeping method, a software program or a spreadsheet, and you use it, transferring the information to your budget or vice versa is just like cutting and pasting the information from one document to another. It’s easy.

Having control over your money is a necessity as a business owner and if you’re not keeping a budget or tracking your accounts, you’re less in control of your money. It’s worth taking a few minutes and organizing your accounts. You won’t regret it!

Eddie Lamb owns LiveMortgageFree.com a website devoted to helping homeowners, first time buyers or tenants. You’ll get your own exclusive access to the program and bonuses that will get you on the road to living Mortgage Free and will change the way you view money forever. For more information visit: LiveMortgageFree

[tags]budgeting, small business, accounting, financial goals, make money online, mortgage, budget[/tags]

Creating a business budget is very similar to creating a personal budget. However there are some differences. When you own a business, taxes are not directly taken out of your income, which makes your income and any quarterly tax payments extra important to track. Having an accurate and realistic budget will help you make accurate spending decisions and make it easier to predict profits. Which means the more frequently you track you costs, the better.

Here are the recommended steps for creating your business budget:

Step 1: Determine how frequently you want to track your costs and income. Generally, it is advisable to choose every week or every month. At first it may seem like a time-consuming task to track and enter your spending every week, but it will pay off in the long run and as you become accustomed to it, you’ll find that it really only takes you a few minutes every week.

Step 2: Determine your expenses. This means your operating costs like your phone and web hosting fees, the costs of your taxes, the costs of outsourcing and the costs for marketing, publicity and so on. Make a list of all categories you anticipate having costs and all areas where you already know your expenses.

Step 3: Now the fun stuff! You get to predict your income. The best bet is to predict on the conservative side. That way if you have a bad month, your budget isn’t blown; however, when you have a good month, and you will have many good months, you’ll have extra money to work with.

Step 4: Track your expenses and income and review your budget often. Your budget isn’t set in stone. It is a living breathing thing that will change as your business changes. If you find you’re spending more in one category, make the adjustments in your budget. A business budget isn’t a diet or a strict regimen, it is a spending plan.

Step 5: Realize that in the beginning, it is likely that you’ll have more expenses than income. This is normal for most start up businesses. Track the difference between what you do spend in each category and what you planned on spending. This will help you predict the future and keep your budget realistic and accurate.

Budgeting your small business is good business. Without a budget you’re unable to make accurate predictions and keep your business profitable and going strong. If you’re serious about being a successful business owner, you can’t do without a business budget. The good news is, it doesn’t have to be difficult. A simple spreadsheet and a little time can make all the difference.

Eddie Lamb owns LiveMortgageFree.com a website devoted to helping homeowners, first time buyers or tenants. You’ll get your own exclusive access to the program and bonuses that will get you on the road to living Mortgage Free and will change the way you view money forever. For more information visit: LiveMortgageFree

[tags]Business Budget, small business, Budget, financial goals, make money online, mortgage, finance, inte[/tags]

Do you have a burning desire to achieve in a sport, hobby, talent or business venture but you never seem to have the time or money to achieve it?

Today I am going to talk about the importance of budgeting in relation to goal setting. For years and years I have set goals but I never used to fully fund the goals.

Before I had a home loan it was pretty easy actually, I would make a list with my family of all the things we wanted the following month. The purchases were prioritized and purchased as funds became available each week. Once I had a home loan, which obviously was one of the goals on our list, I found that our finances were a lot tighter than what they were before and it became a lot harder to set aside funds for the other things our family wanted to have and do.

So what tended to happen was the money was consumed immediately and for longer term goals there was no funding whatsoever. One of my goals was to go motor-racing, and there always seemed to be something more important to do than to put aside money for a go-kart, for example.

It took me years and years to get around to actually buy a go-kart; we would buy this or that or there was something else which needed doing. To actually have a lump sum available, $4000 or $5000 to buy a go-kart never seemed to happen. I think I ended up getting it from a tax refund.

However, what we do now is set aside some money on a regular basis for our longer term goals. Even if this does not fully fund your goal, let’s say you wanted to buy a go-kart for $5,000, maybe you put aside $100 a week and in a year, you’ve got your $5,000; maybe you can’t afford $100 a week, maybe you can only afford $50 a week, then at the end of the year you’ve got $2,500, and then you go and finance the balance of $2,500 some other way.

Without putting aside funds, things go from bad to worse and your goal will never happen. Let’s say your objective is to get to the national championship of your sport and that every week without balancing your budget you find that you run out of money. Most people will start doing overtime for example, to make more money. If you start doing more overtime, then you might have less time to put towards your sport or your hobby. So instead of training five nights a week on your sport or talent, all of a sudden or it could be practicing a musical instrument or that, you find that you start cutting your time down and spending less and less time on your goals and more and more time on trying to make ends meet.

Wouldn’t it be better to have a balanced budget in the first place, to make sure that you have got enough money coming in to cover your expenses, and sure you might have a national trip coming up and say I need $6,000 to go on an overseas trip to go to the international championships and maybe you debt finance a part of it. Still, we are talking about planning and spending as opposed to spending and planning.

Since we’ve started having a balanced budget, I have found is that it is a lot easier to hit those goals that we’ve been aiming for, and still have enough for all those things like Christmas and holidays and replacing cars and all that sort of thing.
In fact, my wife told me the other day that she’s made $500 of interest on the money she’s spent this year. It goes to show that once you get your budget balanced, that money can start working in your favor instead of against you. Now that’s not an overnight thing and I don’t promote the idea of just going to try and pay off your credit card all in one hit, or pay off all of your debts in one go.

It is more important to get the habit right than to get the actual debt paid off because it really takes some discipline and practice to establish the habit and you really need to set aside the funds that you need so that when your bills come in, you can afford to pay for them.

Once I set up my automatic payments for my big goal, I also set up high yield interest earning accounts and set aside funds for other known events such as holidays and gifts, car registration and repairs and I set up automatic payments for those things that my family uses weekly such as utilities. My wife and I have separate card accounts for day to day things and I know that I can spend all of the money in the card account without blowing the budget and my big goal.

Disclaimer: This document is educational and should not be considered advice. If you are in financial difficulty please get professional advice.

Glen Smith aka Glen The Goals Guy has been running goal setting courses for 13 years. Visit http://GlenTheGoalsGuy.com or http://BillBanisher.com

[tags]funding, money for goals[/tags]

In this day and age, it is easier than ever to spend money - just whip out your debit card and buy whatever you want. The problem with these nearly frictionless transactions is that it is difficult to keep track of your money. When most people wrote checks for every day purposes, at least they had transactions recorded in their checkbook. Every time a check was written, the person writing the check would be forced to write down the amount and see how much money was left in his account (assuming the person kept his checkbook balanced). Nowadays, it seems like very few people use checks for anything but monthly bills and very large purchases. Meanwhile, cash gets drained from their bank accounts while they use their debit cards without discretion. If this situation describes you, then you should pay close attention to the cash-based budgeting system discussed below. A cash-based budget can go a long way toward helping you get your financial situation under control.

In a nutshell, a cash-based budgeting system is one in which you take cash from your bank account for cash transactions and then divide that cash into categories. Each cash category receives its own envelope to hold the cash. That is all of the money that you are allowed to spend in that category until the next budget cycle begins.

To begin the process, you need to decide what your spending categories are going to be and how much cash you should allocate to each category. Common categories would include groceries, clothing, eating out, and entertainment. To decide how much to allocate for each, it will be helpful to look at your past spending patterns. You will probably be surprised at how much you spend on non-essentials, so it is very likely that your budgeted amount will be less than you have spent in the past. This will free up money for saving, giving away, or paying off debt. At the start of the month, withdraw the required amount of cash and divvy it up among the category envelopes.

Now comes the hard part. During the month, when you find that all of your cash for a particular category is gone, you cannot spend any more on it. If you find that it is impossible to get by on what you have budgeted for particular categories, then you need to adjust your budget for the next month. But until the next month begins, do everything you can to avoid spending more money on the category. If you have excess cash in other categories, then you can move money from one envelope to the next. The one thing you do not want to do is use your debit card to get more cash. That throws this whole system out of whack.

There are some items that will not fit into a cash system, mostly monthly bills that require a check for payment. But if you can get to the point where all of your bills are paid with check or on-line, and all other spending takes place in the context of your cash budgeting system, you will find that you have much more clarity and control of your finances.

The reason this system helps to control spending is that seeing your pile of cash disappear has much more emotional impact than using your debit card to make payments. You will be much less likely to over-spend. Even in the twenty-first century, when most transactions are done electronically, cash is still king. It is probably going to take some time to adjust to your new system. You will probably fall off the horse a few times. But if you force yourself to be disciplined and stick with it, eventually you will become a money managing machine.

ClearOne Debt Relief is a full-service debt management company providing debt settlement services such as credit card debt relief to hundreds of thousands of customers. We help people cut their debt in half, lower their monthly payment, and get out of debt in as little as 24 months.

[tags]budgeting, cash budget, credit card loan consolidation, credit card[/tags]