Credit Counseling Services for Your Debt Situations

There are different types and categories of loans and Credit7s that are available from a new age of personal banking from banks and finance companies. There is an easy processing of such Credit7s that you may require for your professional requirements and business projects. There are other types of Credit7s like home loans and Counseling7 loan offers.

Another form of customer finance services available nowadays is that of credit cards. There is a wide range of facilities available through cards allotted to bank clients and customers depending on their transactions. These are convenient means of transactions and purchases of different kinds.

In all of the above, there is another side to the convenience and ease of credit availability. This is aside of repayments. There is often a high rate of interest and several hidden charges that attached to different kinds of loans. In addition, there is also a penalty charged in the form of default payments or even compound interest charges in case of nonpayment by the due date.

In addition, in all of this, you may end up with a situation where you do not have any personal savings and even your payments for insurance policies are affected. This may be dangerous for emergency and future needs.

Credit Counseling

There is an important need for proper planning of resources. There are amounts that need to be allocated for payment of dues and other amounts need to be channelized for viable and profitable forms of savings.

There are several professionally managed companies for counseling. These experts are market analysts of different kinds of situations and thus perfectly equipped to help you. They will assess your situation and give you viable options available for you to solve your problems.

There are some other services as well that is offered by these companies and their executives when they take up your case.

Credit Counseling Services

Among several services, the most important remains the study of your case details and credit history to supply you with effective means of loan repayment. The only means of doing this can be with Credit7 Credit8. Moreover, the loan for Credit7 Credit8 is best if procured from the same bank.

However, will they trust you with more money when you have credit dies pending? Well this is where you counseling services come to your help as well. They negotiate on your behalf to convince the bank of your full intentions to clear pending and future dues of all kinds.

They may also be successful in negotiating a lower rate of interest for your new loan procurement.

Counseling services also provide you with necessary guidance on investments and securing better returns for your funds for future requirements. They help you with policies and deposits for investments that are viable and profitable. There is a need that you understand the regulations of such investments as and when you make them as well understand the kind of assurances that you have about the returns of the same.

There are different types and categories of loans and Credit7s that are available from a new age of personal banking from banks and finance companies. There is an easy processing of such Credit7s that you may require for your professional requirements and business projects. There are other types of Credit7s like home loans and Counseling7 loan offers.

Another form of customer finance services available nowadays is that of credit cards. There is a wide range of facilities available through cards allotted to bank clients and customers depending on their transactions. These are convenient means of transactions and purchases of different kinds.

In all of the above, there is another side to the convenience and ease of credit availability. This is aside of repayments. There is often a high rate of interest and several hidden charges that attached to different kinds of loans. In addition, there is also a penalty charged in the form of default payments or even compound interest charges in case of nonpayment by the due date.

In addition, in all of this, you may end up with a situation where you do not have any personal savings and even your payments for insurance policies are affected. This may be dangerous for emergency and future needs.

Credit Counseling

There is an important need for proper planning of resources. There are amounts that need to be allocated for payment of dues and other amounts need to be channelized for viable and profitable forms of savings.

There are several professionally managed companies for counseling. These experts are market analysts of different kinds of situations and thus perfectly equipped to help you. They will assess your situation and give you viable options available for you to solve your problems.

There are some other services as well that is offered by these companies and their executives when they take up your case.

Credit Counseling Services

Among several services, the most important remains the study of your case details and credit history to supply you with effective means of loan repayment. The only means of doing this can be with Credit7 Credit8. Moreover, the loan for Credit7 Credit8 is best if procured from the same bank.

However, will they trust you with more money when you have credit dies pending? Well this is where you counseling services come to your help as well. They negotiate on your behalf to convince the bank of your full intentions to clear pending and future dues of all kinds.

They may also be successful in negotiating a lower rate of interest for your new loan procurement.

Counseling services also provide you with necessary guidance on investments and securing better returns for your funds for future requirements. They help you with policies and deposits for investments that are viable and profitable. There is a need that you understand the regulations of such investments as and when you make them as well understand the kind of assurances that you have about the returns of the same.

Considering a Student Credit Card Account Consider the Discover Mix Tape Student Card

The Discover Mix Tape Counseling3 Card is a Counseling4 credit card that offers its owners a little bit of two things that young people usually desire, freedom and flexibility. The rewards program allows Discover Mix Tape owners earn cash rewards on a variety of different purchases, while simultaneously providing up to 1% cash back on everything else. You can also choose from a number of different designs that are all customizable. Some of the design layouts you can choose from are wildlife, pets, sports, abstract designs, city and landscapes, and many more.

The Discover Mix Tape Counseling3 Card offers a 0% introductory APR for six months on all purchases, in addition to 0% APR on balance transfers for 12 months. The 0% introductory offer on balance transfers is only available on transfers made from now until January 10, 2011. If you are going to capitalize off of this excellent balance transfer rate, then make sure to apply now for your Counseling3 Card.

This is a no annual fee credit card.

New card owners will Counseling7matically earn.25% cash back on all purchases with this cash back rewards credit card. In order for Mix Tape card owners to start receiving a full 1% cash back on all transactions, they must reach a total of $3,000 in spending. Keep in mind that although 1% cash back may not sound like a lot, the amount of earnings is unlimited. Card owners will also have access to ShopDiscover, where you can really maximize your cash back earnings with discounts and bonuses that some partnered merchants will provide.

Card owners will also earn 5% cashback on different spending categories that are based on a rotation. This rotation was designed to best suit the needs for college Counseling4s of today. Make sure you have a good understanding of the cash back bonus rewards program and start earning today with this account. The current category rotation is as follows:

* January- March: Earn 5% Cashback on up to $800 worth of purchases when you spend at any restaurant, or for travel expenses like airfare and hotels.

* March: Earn 5% Cashback on every purchase you make at drug sores and grocery stores. This is perfect for Counseling4s looking to usher in the new season!

* April- June: Earn 5% on every purchase that you make at any specialty clothing, home improvement, or department store.

* July- September: Earn 5% cashback at movies, theme parks, hotels, and gas stations. Discover Mix Tape Card will reward you for enjoying your summer. You've earned it with your hard work and responsible card ownership!

* October- December: Earn 5% Cashback on up to $300 worth of purchases at restaurants or at clothing stores. Make your holiday season a little extra nice with this Card.

Mix Tape Card owners can start redeeming points in increments of $20, which is also the minimum to redeem. Remember that you can earn anywhere from 5-20% cash back rewards when you redeem your points online at ShopDiscover partnered merchants. No shipping or fees when points are redeemed for gift cards. If you choose a direct method of point redemption, then you can select from having the funds deposited directly into your bank account or have the amount credited back to your statement.

Discover Mix Tape Counseling3 Card Information:

After your intro rate expires, the standard APR for this account is a variable 13.99%-20.99% for purchases. You will be charged a 3% fee for all balance transfers during the introductory period offer, afterwards you will be charged either $10 or 5% of the total transfer amount, whichever is higher. The same rate applies for all cash advances. The Discover Mix Tape Counseling3 Card is a no annual fee credit card.

Card owners will also have access to a lot of the other features that make Discover one of the best card companies on the planet. You will also have full access to online account Counseling5. You will be able to see a real-time transaction history on discover.com and also be able to make their payments. This is also a great portal to ShopDiscover and a place to keep track of your cash back earnings. Earn big rewards with the Discover Mix Tape Counseling3 Card.

The Discover Mix Tape Counseling3 Card is a Counseling4 credit card that offers its owners a little bit of two things that young people usually desire, freedom and flexibility. The rewards program allows Discover Mix Tape owners earn cash rewards on a variety of different purchases, while simultaneously providing up to 1% cash back on everything else. You can also choose from a number of different designs that are all customizable. Some of the design layouts you can choose from are wildlife, pets, sports, abstract designs, city and landscapes, and many more.

The Discover Mix Tape Counseling3 Card offers a 0% introductory APR for six months on all purchases, in addition to 0% APR on balance transfers for 12 months. The 0% introductory offer on balance transfers is only available on transfers made from now until January 10, 2011. If you are going to capitalize off of this excellent balance transfer rate, then make sure to apply now for your Counseling3 Card.

This is a no annual fee credit card.

New card owners will Counseling7matically earn.25% cash back on all purchases with this cash back rewards credit card. In order for Mix Tape card owners to start receiving a full 1% cash back on all transactions, they must reach a total of $3,000 in spending. Keep in mind that although 1% cash back may not sound like a lot, the amount of earnings is unlimited. Card owners will also have access to ShopDiscover, where you can really maximize your cash back earnings with discounts and bonuses that some partnered merchants will provide.

Card owners will also earn 5% cashback on different spending categories that are based on a rotation. This rotation was designed to best suit the needs for college Counseling4s of today. Make sure you have a good understanding of the cash back bonus rewards program and start earning today with this account. The current category rotation is as follows:

* January- March: Earn 5% Cashback on up to $800 worth of purchases when you spend at any restaurant, or for travel expenses like airfare and hotels.

* March: Earn 5% Cashback on every purchase you make at drug sores and grocery stores. This is perfect for Counseling4s looking to usher in the new season!

* April- June: Earn 5% on every purchase that you make at any specialty clothing, home improvement, or department store.

* July- September: Earn 5% cashback at movies, theme parks, hotels, and gas stations. Discover Mix Tape Card will reward you for enjoying your summer. You've earned it with your hard work and responsible card ownership!

* October- December: Earn 5% Cashback on up to $300 worth of purchases at restaurants or at clothing stores. Make your holiday season a little extra nice with this Card.

Mix Tape Card owners can start redeeming points in increments of $20, which is also the minimum to redeem. Remember that you can earn anywhere from 5-20% cash back rewards when you redeem your points online at ShopDiscover partnered merchants. No shipping or fees when points are redeemed for gift cards. If you choose a direct method of point redemption, then you can select from having the funds deposited directly into your bank account or have the amount credited back to your statement.

Discover Mix Tape Counseling3 Card Information:

After your intro rate expires, the standard APR for this account is a variable 13.99%-20.99% for purchases. You will be charged a 3% fee for all balance transfers during the introductory period offer, afterwards you will be charged either $10 or 5% of the total transfer amount, whichever is higher. The same rate applies for all cash advances. The Discover Mix Tape Counseling3 Card is a no annual fee credit card.

Card owners will also have access to a lot of the other features that make Discover one of the best card companies on the planet. You will also have full access to online account Counseling5. You will be able to see a real-time transaction history on discover.com and also be able to make their payments. This is also a great portal to ShopDiscover and a place to keep track of your cash back earnings. Earn big rewards with the Discover Mix Tape Counseling3 Card.

Chapter 7 Bankruptcy Filing - Married Or Separate

Millions of Americans consider filing for bankruptcy each year. With unemployment at record highs and people being under mountains of Credit7, close to 1.5 million are expected to file for bankruptcy in 2011. There are many reasons why families and individuals need to file for Counseling1 to get out of Credit7. In the last few years many have lost their jobs, and because of the economy, it's next to impossible to find a job to replace it. Being faced with this situation, it's impossible for those to keep up on their bills. The bankruptcy laws were created to help good people that got caught up in an unexpected circumstance, and allow them to have a second chance by removing their Credit7. Today, many Americans suffer from various reasons of job loss, all the way to getting caught up over spending, and end up upside down because of the large amount of available credit. Whatever the reason, bankruptcy will help these families get a fresh start.

When filing bankruptcy, married couples usually ask their bankruptcy attorney if it's possible to file single to try and save the other one's credit. Couples have the perception that their family will need credit to survive, and unless one of them stays out of the bankruptcy, it'll be impossible to get credit. The benefit of the bankruptcy's fresh start would be downgraded if one's spouse stayed out of the bankruptcy. The spouse that stays out of the bankruptcy will end up having to make payments on their share of the old community Credit7s. As shown in the past, this can also cause a rift in the marriage because they are no longer sharing Credit0 responsibility. Unless your bankruptcy attorney thinks it's in your best interest to file separately, it's always best to file jointly wiping out all of the Credit7. After the bankruptcy filing, as long as a substantial income continues to come in, credit should come back quickly.

The current monthly income is what is used to qualify for Chapter 7 bankruptcy. If a married couple files separately the CMI is still based on the household income. In other words, if the couple is working, the current monthly income to qualify for Chapter 7 will be based on the combination of their wages anyways. This is another reason why it doesn't matter that filing bankruptcy separately will benefit a married couple. This is important information to discuss with a bankruptcy attorney. There are different periods of time that might benefit the couple filing based on when their combination of wages are the lowest.

No one really wants to file for bankruptcy. The idea that filing bankruptcy is a last resort is no longer good advice. Some people wait too long to consult a bankruptcy attorney about filing. In many situations they can save their home or their retirement account if they were just more proactive. There are individuals that have lost their job and go through their entire pension paying their credit card Credit7 hoping they'll get another job. These people could have saved their retirement account, as it's protected, if they had been more realistic with their Credit0 situation. Don't wait until all your resources are gone, consult with a local bankruptcy attorney and see if filing for bankruptcy will work for you.

Millions of Americans consider filing for bankruptcy each year. With unemployment at record highs and people being under mountains of Credit7, close to 1.5 million are expected to file for bankruptcy in 2011. There are many reasons why families and individuals need to file for Counseling1 to get out of Credit7. In the last few years many have lost their jobs, and because of the economy, it's next to impossible to find a job to replace it. Being faced with this situation, it's impossible for those to keep up on their bills. The bankruptcy laws were created to help good people that got caught up in an unexpected circumstance, and allow them to have a second chance by removing their Credit7. Today, many Americans suffer from various reasons of job loss, all the way to getting caught up over spending, and end up upside down because of the large amount of available credit. Whatever the reason, bankruptcy will help these families get a fresh start.

When filing bankruptcy, married couples usually ask their bankruptcy attorney if it's possible to file single to try and save the other one's credit. Couples have the perception that their family will need credit to survive, and unless one of them stays out of the bankruptcy, it'll be impossible to get credit. The benefit of the bankruptcy's fresh start would be downgraded if one's spouse stayed out of the bankruptcy. The spouse that stays out of the bankruptcy will end up having to make payments on their share of the old community Credit7s. As shown in the past, this can also cause a rift in the marriage because they are no longer sharing Credit0 responsibility. Unless your bankruptcy attorney thinks it's in your best interest to file separately, it's always best to file jointly wiping out all of the Credit7. After the bankruptcy filing, as long as a substantial income continues to come in, credit should come back quickly.

The current monthly income is what is used to qualify for Chapter 7 bankruptcy. If a married couple files separately the CMI is still based on the household income. In other words, if the couple is working, the current monthly income to qualify for Chapter 7 will be based on the combination of their wages anyways. This is another reason why it doesn't matter that filing bankruptcy separately will benefit a married couple. This is important information to discuss with a bankruptcy attorney. There are different periods of time that might benefit the couple filing based on when their combination of wages are the lowest.

No one really wants to file for bankruptcy. The idea that filing bankruptcy is a last resort is no longer good advice. Some people wait too long to consult a bankruptcy attorney about filing. In many situations they can save their home or their retirement account if they were just more proactive. There are individuals that have lost their job and go through their entire pension paying their credit card Credit7 hoping they'll get another job. These people could have saved their retirement account, as it's protected, if they had been more realistic with their Credit0 situation. Don't wait until all your resources are gone, consult with a local bankruptcy attorney and see if filing for bankruptcy will work for you.

Budgeting With A Low, Unpredictable Income Go Figure - Part 1 of 2

"Are you kidding? How do you expect me to budget when I don't know my income? Some months, my cash flow is zero. How do I budget?"

I hear these comments often. Certainly, many folks' incomes are unpredictable. Several corporations, ministries, churches too, have uncertain cash flow. Should they forget about budgets, spend only in periods when they receive funds, don't spend when they get no funds? Would this be good stewardship? I don't think so.

Certain costs are fixed for a time, and like a freight train, they keep coming at you. If you have a mortgage, it doesn't pause when you have no income. Your challenge? Accept reality, learn to handle unpredictable cash flows and adjust your lifestyle to fund needed expenses, orderly. That's what Pharaoh appointed Joseph to do in Egypt--smooth the supply of grain over 14 years, so Egypt would have grain during seven years of famine (Genesis 41).

From this event, we can learn at least three practical lessons to apply to our circumstances. First, accept the reality of your circumstance. Second, your circumstance is unique to you, and third, plan for the reality, until God changes it.

Accept The Reality of Your Circumstance

Pharaoh and Joseph accepted their circumstance--they accepted there would be a feast followed by a famine.

If you surrendered your life to Messiah, He has promised to provide for your basic needs, when you seek first His Kingdom and His righteousness. Indeed, six times in Matthew 6:24-34, He assures you not to worry, but you do? Don't you believe He will do as He says? Alternatively, do you think you haven't adjusted your lifestyle to fit His requirements to provide for you?

When you think your prayers are not being answered, look at your lifestyle to see whether you need to adjust it in line with His way. Remember, He will answer your prayers according to His character, His values, His way, not yours!

Your Circumstance Is Unique To You

Often, we try to adapt a solution someone followed to a similar problem to ours. But it doesn't work because we don't look holistically at the other person's situation. Though our friend might have a low unpredictable income, she might be starting with a solid Credit0 base. Her Credit7 load, while high, might be manageable because of help from her parents. Our Credit7 load is similar, but our Credit0 base is unstable, and we do not have friends or relatives to help temporarily! So, following our friend's path to renegotiate Credit7, lengthen its maturity, and lower payments, might be futile, and costly.

In part two, we will discuss the third lesson--how to plan for the reality of a low, erratic income.

Copyright (c) 2011, Michel A. Bell

"Are you kidding? How do you expect me to budget when I don't know my income? Some months, my cash flow is zero. How do I budget?"

I hear these comments often. Certainly, many folks' incomes are unpredictable. Several corporations, ministries, churches too, have uncertain cash flow. Should they forget about budgets, spend only in periods when they receive funds, don't spend when they get no funds? Would this be good stewardship? I don't think so.

Certain costs are fixed for a time, and like a freight train, they keep coming at you. If you have a mortgage, it doesn't pause when you have no income. Your challenge? Accept reality, learn to handle unpredictable cash flows and adjust your lifestyle to fund needed expenses, orderly. That's what Pharaoh appointed Joseph to do in Egypt--smooth the supply of grain over 14 years, so Egypt would have grain during seven years of famine (Genesis 41).

From this event, we can learn at least three practical lessons to apply to our circumstances. First, accept the reality of your circumstance. Second, your circumstance is unique to you, and third, plan for the reality, until God changes it.

Accept The Reality of Your Circumstance

Pharaoh and Joseph accepted their circumstance--they accepted there would be a feast followed by a famine.

If you surrendered your life to Messiah, He has promised to provide for your basic needs, when you seek first His Kingdom and His righteousness. Indeed, six times in Matthew 6:24-34, He assures you not to worry, but you do? Don't you believe He will do as He says? Alternatively, do you think you haven't adjusted your lifestyle to fit His requirements to provide for you?

When you think your prayers are not being answered, look at your lifestyle to see whether you need to adjust it in line with His way. Remember, He will answer your prayers according to His character, His values, His way, not yours!

Your Circumstance Is Unique To You

Often, we try to adapt a solution someone followed to a similar problem to ours. But it doesn't work because we don't look holistically at the other person's situation. Though our friend might have a low unpredictable income, she might be starting with a solid Credit0 base. Her Credit7 load, while high, might be manageable because of help from her parents. Our Credit7 load is similar, but our Credit0 base is unstable, and we do not have friends or relatives to help temporarily! So, following our friend's path to renegotiate Credit7, lengthen its maturity, and lower payments, might be futile, and costly.

In part two, we will discuss the third lesson--how to plan for the reality of a low, erratic income.

Copyright (c) 2011, Michel A. Bell

7 Reasons Budgeting Can Improve Your Life

These are cliches concerning money and most are true. Cliches are sayings that become cliche because there's a truth behind them.

• "A fool and his money are soon parted."
• "A penny saved is a penny earned."
• "Save for a rainy day."

All of these are true. But here's one that all people should choose as a mantra.

• "Live within your means."

It means, quite simply, that you have to spend less than you take in. Creating a budget is easy. It's simple math. But for many people, creating and sticking to a budget are difficult at best.

There are several ways to do it. Some use a percentage basis, where each expense is allowed a certain percentage of income. Some even go so far as to put money in envelopes each month and pay from envelopes, but that's extreme, yet very effective. Dave Ramsey has several budget systems, including one where you put money in envelopes, if you truly want to see where your money goes each month.

Creating and sticking to a budget is an essential life skill they should teach in high school. It requires taking a hard look at your Credit0 situation, being disciplined, and making it part of your everyday life. It should become ingrained.

Seven Reasons Why Budgeting Is Important

1. It gives you peace of mind.

When you have the ability to quit living paycheck to paycheck, it is a great burden off your mind. You relax. You spend less time worrying about what's going on, which allows you to focus on work, family and enjoying life. When you have money worries, it is easy for other things to suffer.

2. It helps you manage your Credit7 or stay out of Credit7.

As a rule, Americans carry too much personal Credit7. Sticking to a budget enables you to control spending, which means that if a need arises, you have the funds available or the skills to meet the need head on.

3. It helps you save money.

When you have a handle on your expenses, you get to save. In fact, saving should be the first thing you do when you establish your budget. Set aside somewhere between five and ten percent to save. Within your savings, you can create a mini-budget that includes

• Retirement
• College Fund
• Vacation
• New Car
• Second Home

4. It helps you in emergencies.

Car repairs, house repairs, an emergency room visit... all of these qualify as "emergencies." Paying for these things are often done on credit cards, which in turn adds strain to monthly payments. The emergency fund also covers job loss or temporary reduction in income, so the fund will be quite substantial... about three months worth of monthly expenditures.

Warning: Emergencies are things that will significantly alter your life or your ability to maintain necessary parts of your life. Medical, transportation, home... if something disastrous happens, you dip into the fund. Buying a new car is not an emergency; fixing one is if it means the difference between getting to work or not.

5. It helps you control spending

Many people are in a situation where it is too easy to spend money. They don't actually have to have cash. It makes it easy to lose track of where the money is going and they get themselves into a bad situation.

If you know exactly how much is coming in, you know exactly how much is going out. If you add up all the small expenses, sometimes you find that those things you don't really need cost more than the things you do need. Prime example: Eating lunch out of the office averages $8 a day. A cup of coffee at a gourmet shop is about $3.50. If you bring lunch from home, not only is it better for you, but at roughly $2 per meal it saves $120 a month. A $10 can of coffee will last for a month, versus the $70 a month for habitual gourmet coffee shop patrons.

At the instance we make the purchase, we don't think much about it. But those things add up over a month and can be quite surprising. Once you get into the habit of saving receipts and tracking all expenditures, it's easier to see how they add up. One way to help control spending mentioned previously is the envelope system, made popular by radio personality Dave Ramsey.

6. It helps you build a credit rating

Although Dave Ramsey has been mentioned previously in this article, and he makes a lot of sense, one place where he diverges from real life is in his appeal that you shouldn't worry about your credit rating because you'll be paying cash for everything. Easy enough to do if you're a nationally syndicated radio host, have written best-sellers and people pay forty bucks to listen to you talk for two hours.(Apologies to Dave; I still listen to the show.)

In the real world, people finance their houses and sometimes, their vehicles (but they shouldn't do... ever!) A good credit rating helps you save money on your mortgage and these days, potential employers are even pulling credit reports when considering you for a position. Yes, it happens when you sign the document that says they can do a background check.

A better credit rating means you could be charge 1/2 of one percent difference on your mortgage. On the average, on a $150,000 house, the difference between 5.5% and 6% is about $50 a month. Doesn't seem like much, does it? Works out to $600 a year. That kind of sounds like "real money" now. Over the course of a mortgage, that's $18,000.

There are other savings, too, such as saving on mortgage insurance, and programs vary from lender to lender, but it paints a picture. So having a good credit rating saves you money by allowing banks to offer you better percentage rates because you're a good risk.

7. It helps you teach kids about money

Money Counseling5 skills are an essential part of life, and the more your kids know about it, the more successful they will be. Only recently have schools been teaching these skills, but kids need to see it in practical use. If the knowledge is ingrained as part of their everyday life, they will be more likely to adhere to a budget.

These are cliches concerning money and most are true. Cliches are sayings that become cliche because there's a truth behind them.

• "A fool and his money are soon parted."
• "A penny saved is a penny earned."
• "Save for a rainy day."

All of these are true. But here's one that all people should choose as a mantra.

• "Live within your means."

It means, quite simply, that you have to spend less than you take in. Creating a budget is easy. It's simple math. But for many people, creating and sticking to a budget are difficult at best.

There are several ways to do it. Some use a percentage basis, where each expense is allowed a certain percentage of income. Some even go so far as to put money in envelopes each month and pay from envelopes, but that's extreme, yet very effective. Dave Ramsey has several budget systems, including one where you put money in envelopes, if you truly want to see where your money goes each month.

Creating and sticking to a budget is an essential life skill they should teach in high school. It requires taking a hard look at your Credit0 situation, being disciplined, and making it part of your everyday life. It should become ingrained.

Seven Reasons Why Budgeting Is Important

1. It gives you peace of mind.

When you have the ability to quit living paycheck to paycheck, it is a great burden off your mind. You relax. You spend less time worrying about what's going on, which allows you to focus on work, family and enjoying life. When you have money worries, it is easy for other things to suffer.

2. It helps you manage your Credit7 or stay out of Credit7.

As a rule, Americans carry too much personal Credit7. Sticking to a budget enables you to control spending, which means that if a need arises, you have the funds available or the skills to meet the need head on.

3. It helps you save money.

When you have a handle on your expenses, you get to save. In fact, saving should be the first thing you do when you establish your budget. Set aside somewhere between five and ten percent to save. Within your savings, you can create a mini-budget that includes

• Retirement
• College Fund
• Vacation
• New Car
• Second Home

4. It helps you in emergencies.

Car repairs, house repairs, an emergency room visit... all of these qualify as "emergencies." Paying for these things are often done on credit cards, which in turn adds strain to monthly payments. The emergency fund also covers job loss or temporary reduction in income, so the fund will be quite substantial... about three months worth of monthly expenditures.

Warning: Emergencies are things that will significantly alter your life or your ability to maintain necessary parts of your life. Medical, transportation, home... if something disastrous happens, you dip into the fund. Buying a new car is not an emergency; fixing one is if it means the difference between getting to work or not.

5. It helps you control spending

Many people are in a situation where it is too easy to spend money. They don't actually have to have cash. It makes it easy to lose track of where the money is going and they get themselves into a bad situation.

If you know exactly how much is coming in, you know exactly how much is going out. If you add up all the small expenses, sometimes you find that those things you don't really need cost more than the things you do need. Prime example: Eating lunch out of the office averages $8 a day. A cup of coffee at a gourmet shop is about $3.50. If you bring lunch from home, not only is it better for you, but at roughly $2 per meal it saves $120 a month. A $10 can of coffee will last for a month, versus the $70 a month for habitual gourmet coffee shop patrons.

At the instance we make the purchase, we don't think much about it. But those things add up over a month and can be quite surprising. Once you get into the habit of saving receipts and tracking all expenditures, it's easier to see how they add up. One way to help control spending mentioned previously is the envelope system, made popular by radio personality Dave Ramsey.

6. It helps you build a credit rating

Although Dave Ramsey has been mentioned previously in this article, and he makes a lot of sense, one place where he diverges from real life is in his appeal that you shouldn't worry about your credit rating because you'll be paying cash for everything. Easy enough to do if you're a nationally syndicated radio host, have written best-sellers and people pay forty bucks to listen to you talk for two hours.(Apologies to Dave; I still listen to the show.)

In the real world, people finance their houses and sometimes, their vehicles (but they shouldn't do... ever!) A good credit rating helps you save money on your mortgage and these days, potential employers are even pulling credit reports when considering you for a position. Yes, it happens when you sign the document that says they can do a background check.

A better credit rating means you could be charge 1/2 of one percent difference on your mortgage. On the average, on a $150,000 house, the difference between 5.5% and 6% is about $50 a month. Doesn't seem like much, does it? Works out to $600 a year. That kind of sounds like "real money" now. Over the course of a mortgage, that's $18,000.

There are other savings, too, such as saving on mortgage insurance, and programs vary from lender to lender, but it paints a picture. So having a good credit rating saves you money by allowing banks to offer you better percentage rates because you're a good risk.

7. It helps you teach kids about money

Money Counseling5 skills are an essential part of life, and the more your kids know about it, the more successful they will be. Only recently have schools been teaching these skills, but kids need to see it in practical use. If the knowledge is ingrained as part of their everyday life, they will be more likely to adhere to a budget.

Achieve Success With Whole Life Insurance Leads

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Once you have a list of whole life insurance leads, your next step should be planning a strategy to achieve success. You need to know what to do and how to proceed in order to make the best out of them.

Let me give you some ideas to take those whole life insurance leads to the next level to make sales:

First of all, organize and categorize all the leads that you have in hand. Separate them into various lists depending upon the sources that you have got them from. This way, you will know which one to pick first and which one to postpone. It is better to start off with the leads where the client is already interested to go for an insurance policy. This will reduce the time that you need to spend in explaining about all the benefits of the policy.

Make sure that you don't take too much of time to approach a lead. If you do not go immediately, there are high chances that the lead will be approached by another agent. It is highly recommended to contact a lead as soon as you get the details.

The next important thing to remember is that you should not give up if the lead doesn't show interest on the first call or meeting. You should create interest and enlighten the client about various advantages of a policy.

Make sure to maintain touch with those leads which didn't end up as sales. Treat them as future sales and always be in the hope that they convert into sales in the future. Some or the other day, the same person who said 'no' might change his mind and say 'yes'.

Follow these ideas when it comes to approaching whole life insurance leads.

Once you have a list of whole life insurance leads, your next step should be planning a strategy to achieve success. You need to know what to do and how to proceed in order to make the best out of them.

Let me give you some ideas to take those whole life insurance leads to the next level to make sales:

First of all, organize and categorize all the leads that you have in hand. Separate them into various lists depending upon the sources that you have got them from. This way, you will know which one to pick first and which one to postpone. It is better to start off with the leads where the client is already interested to go for an insurance policy. This will reduce the time that you need to spend in explaining about all the benefits of the policy.

Make sure that you don't take too much of time to approach a lead. If you do not go immediately, there are high chances that the lead will be approached by another agent. It is highly recommended to contact a lead as soon as you get the details.

The next important thing to remember is that you should not give up if the lead doesn't show interest on the first call or meeting. You should create interest and enlighten the client about various advantages of a policy.

Make sure to maintain touch with those leads which didn't end up as sales. Treat them as future sales and always be in the hope that they convert into sales in the future. Some or the other day, the same person who said 'no' might change his mind and say 'yes'.

Follow these ideas when it comes to approaching whole life insurance leads.

Get Easy Personal Loans for Your Personal Needs

One does not always need a loan that falls into a specific category or for a specific purpose like a home or a car. Sometimes, our needs may be too varied to be accommodated into a specific category. These loans might be due to reasons varying from expenses during festivities or unexpected medical emergencies.

Such loans are called personal loans. These loans might be for amounts varying from a few thousand rupees to a few lakhs. Due to the personal nature of this loan, the interest rates are usually higher than similar loans obtained for purchasing a property or a vehicle. The interest rates too might range from around 10% to around 18% depending upon the user profile. Personal loans prove to be of extreme help when the need for funds is urgent and it cannot be satisfied with the available resources.

Personal loans are available from various banks and Credit0 institutions working at the micro and macro levels. These loans are usually easy to obtain and with minimum documentation if you have a good credit record. Personal loans are also available quickly when needed and the loan amount usually takes just a few days to be credited to your account after the loan has been approved.

It does help with the institution if you are their existing customers. That helps them know you credit history accurately thereby reducing the time required for processing of your loans. Most Credit0 companies nowadays disburse funds only to their existing customers or their own employees.

The best part about personal loans is that they are available at your local branches of most finance companies. With proper documentation, it barely takes one working day to clear your loan. The loan amount is either credited into your account directly within 2 working days or you are issued a cheque for the same. Most institutions have a repayment period ranging from 12 to 24 months depending upon your profile.

With multiple repayment options, paying back your loans is easy too. The Equated Monthly Installments (EMI) can be paid by cheque deposits, electronic transfers and by salary deductions if you draw a monthly salary. You can also pay your loan in advance with a nominal pre-closure fee.

Now, be it an expense for shopping during you friend's marriage or payment of fees for your child's guitar classes, a personal loan is your quick one-stop solution for your money problems.

One does not always need a loan that falls into a specific category or for a specific purpose like a home or a car. Sometimes, our needs may be too varied to be accommodated into a specific category. These loans might be due to reasons varying from expenses during festivities or unexpected medical emergencies.

Such loans are called personal loans. These loans might be for amounts varying from a few thousand rupees to a few lakhs. Due to the personal nature of this loan, the interest rates are usually higher than similar loans obtained for purchasing a property or a vehicle. The interest rates too might range from around 10% to around 18% depending upon the user profile. Personal loans prove to be of extreme help when the need for funds is urgent and it cannot be satisfied with the available resources.

Personal loans are available from various banks and Credit0 institutions working at the micro and macro levels. These loans are usually easy to obtain and with minimum documentation if you have a good credit record. Personal loans are also available quickly when needed and the loan amount usually takes just a few days to be credited to your account after the loan has been approved.

It does help with the institution if you are their existing customers. That helps them know you credit history accurately thereby reducing the time required for processing of your loans. Most Credit0 companies nowadays disburse funds only to their existing customers or their own employees.

The best part about personal loans is that they are available at your local branches of most finance companies. With proper documentation, it barely takes one working day to clear your loan. The loan amount is either credited into your account directly within 2 working days or you are issued a cheque for the same. Most institutions have a repayment period ranging from 12 to 24 months depending upon your profile.

With multiple repayment options, paying back your loans is easy too. The Equated Monthly Installments (EMI) can be paid by cheque deposits, electronic transfers and by salary deductions if you draw a monthly salary. You can also pay your loan in advance with a nominal pre-closure fee.

Now, be it an expense for shopping during you friend's marriage or payment of fees for your child's guitar classes, a personal loan is your quick one-stop solution for your money problems.

Get An Auto Loan With Bad Credit

A less than average credit rating or credit score need not be a barrier to obtaining Counseling7mobile financing. Every day, people find they can get an Counseling7 loan with bad credit or no credit. There are plenty of car dealers and specialty lenders that will work with you to get you into the best possible vehicle with a loan rate you can afford.

Most of the advertised car deals seen on TV and through the internet are tantalizing in that they promise 100% qualifying. Unfortunately, many individuals find out that while they will be accepted for financing, the rate they will be paying is much higher than they expected, resulting in car payments that are beyond their budget. This is no reason to give up on obtaining an car loan; if you truly need a vehicle, there are many services available that allow you to get an Counseling7 loan, even if your credit is much less than perfect.

Lenders are generally interested in your income above all else; they want to see if you have a stable work history. Also, the longer you have lived at your current residence is important, because it signals to the lender that you intend to remain at your job and are not in the habit of relocating to find a new one. Many dealerships have a special "bad credit" department that is overseen by finance managers dedicated to approving loans for people with a poor credit score.

When trying to get an Counseling7 loan with bad credit, do not expect to wind up in a vehicle for a minimal down payment. Lenders will usually ask for a higher cash outlay than they normally would for a person with an established credit history. Putting down as much money as you can afford will increase the number of financing opportunities, and also lower your monthly payments. New and used car sales personnel may not be interested in your income or ability to repay, but finance managers certainly are.

Bankruptcy does not bar you from getting financed, assuming that the bankruptcy has been finalized. Everyone needs a fresh start, and bad credit lenders are open to applicants who have this black mark on their Credit0 history. The best bet for those who want to get an Counseling7 loan despite a poor credit score is to talk to a finance manager who specializes in this area. He or she will give you all the options available for your individual situation.

A less than average credit rating or credit score need not be a barrier to obtaining Counseling7mobile financing. Every day, people find they can get an Counseling7 loan with bad credit or no credit. There are plenty of car dealers and specialty lenders that will work with you to get you into the best possible vehicle with a loan rate you can afford.

Most of the advertised car deals seen on TV and through the internet are tantalizing in that they promise 100% qualifying. Unfortunately, many individuals find out that while they will be accepted for financing, the rate they will be paying is much higher than they expected, resulting in car payments that are beyond their budget. This is no reason to give up on obtaining an car loan; if you truly need a vehicle, there are many services available that allow you to get an Counseling7 loan, even if your credit is much less than perfect.

Lenders are generally interested in your income above all else; they want to see if you have a stable work history. Also, the longer you have lived at your current residence is important, because it signals to the lender that you intend to remain at your job and are not in the habit of relocating to find a new one. Many dealerships have a special "bad credit" department that is overseen by finance managers dedicated to approving loans for people with a poor credit score.

When trying to get an Counseling7 loan with bad credit, do not expect to wind up in a vehicle for a minimal down payment. Lenders will usually ask for a higher cash outlay than they normally would for a person with an established credit history. Putting down as much money as you can afford will increase the number of financing opportunities, and also lower your monthly payments. New and used car sales personnel may not be interested in your income or ability to repay, but finance managers certainly are.

Bankruptcy does not bar you from getting financed, assuming that the bankruptcy has been finalized. Everyone needs a fresh start, and bad credit lenders are open to applicants who have this black mark on their Credit0 history. The best bet for those who want to get an Counseling7 loan despite a poor credit score is to talk to a finance manager who specializes in this area. He or she will give you all the options available for your individual situation.

Free Loan Modifications - What To Avoid

If you are facing difficulty in repaying your monthly expensive mortgage payment, you may be approached by companies and individuals that may offer Credit0 help but beware as it could be a big scam or fraud. All these companies might send letters of appraisal confirming low monthly interest rates and even favorable loan modification program. However, you have to be extremely careful of all these Credit0 baits that may offer free of cost modification of your current loan according to your existing monetary prerequisites. Loan modification cannot be free at any cost as already a lender or creditor may have uncured losses.

Free loan modification can be described in the sense that you may be able to obtain favorable and low interest rates as part of your repayment plan. Only a lawyer or a company may be able to influence or force a lender to reduce the monthly interest charges. You alone cannot influence a lender or creditor to modify your loan according to your current fiscal obligations. To gather upfront fees is the major incentive for companies to remain in loan modification business without any doubt. Selecting a company that may be able to give you desired fiscal Counseling1 in the form of less interest charges every month may be the ideal solution.

You must get in touch with the lender or the lender should contact you within three weeks once an ideal free loan modification plan is fixed or predetermined with the help from an outside company in order to negate the chances of misunderstanding or distrust. It has been recommended to pay the lender or outside company through post dated checks rather than opting to pay through wire transfer. Cheque will include all the economic details of loan modification that can be reviewed by both the parties in order to avoid any type of confusion.

If you are facing difficulty in repaying your monthly expensive mortgage payment, you may be approached by companies and individuals that may offer Credit0 help but beware as it could be a big scam or fraud. All these companies might send letters of appraisal confirming low monthly interest rates and even favorable loan modification program. However, you have to be extremely careful of all these Credit0 baits that may offer free of cost modification of your current loan according to your existing monetary prerequisites. Loan modification cannot be free at any cost as already a lender or creditor may have uncured losses.

Free loan modification can be described in the sense that you may be able to obtain favorable and low interest rates as part of your repayment plan. Only a lawyer or a company may be able to influence or force a lender to reduce the monthly interest charges. You alone cannot influence a lender or creditor to modify your loan according to your current fiscal obligations. To gather upfront fees is the major incentive for companies to remain in loan modification business without any doubt. Selecting a company that may be able to give you desired fiscal Counseling1 in the form of less interest charges every month may be the ideal solution.

You must get in touch with the lender or the lender should contact you within three weeks once an ideal free loan modification plan is fixed or predetermined with the help from an outside company in order to negate the chances of misunderstanding or distrust. It has been recommended to pay the lender or outside company through post dated checks rather than opting to pay through wire transfer. Cheque will include all the economic details of loan modification that can be reviewed by both the parties in order to avoid any type of confusion.

Five Ways to Rescue Yourself When Unemployment Benefits Expire

Due to the grip on the job market these recessionary times have caused, twenty-six weeks of unemployment benefits is just not cutting the mustard. When the benefits run out, you do have some safety nets of which you should avail yourself. One way or another you have been contributing to the social benefits coffers over your working life. You should not feel bad about using some of those benefits. Here are five ways to keep the wolf from the door.

One - Unemployment Benefits Extensions

Many folks who have qualified for the first twenty-six weeks of unemployment assistance, may be eligible for an extension of benefits. The length of the extension will vary according to unemployment rates in each state. Usually, the higher the unemployment rate, the lengthier the extension. Getting extensions is pretty common, especially when unemployment rates run high.

Two - Supplemental Nutrition Assistance Program (SNAP)

A program that manages food stamp benefits, SNAP is available to folks across the country. Depending on qualifications, you can get food stamp benefits for twenty-six weeks. Should your need extend beyond that amount of time, extensions can be granted for anywhere from thirteen to twenty weeks. The amount of money for food shopping you receive will depend on your usual take-home pay and the number of your dependents.

A great thing about SNAP is that you are provided with an EBT Card (Electronic Benefits Transfer Card), each month funds will be Counseling7matically sent to your card. Use it as you would a debit or credit card. Be careful, there are some items found in supermarkets that food stamp funds may not pay for - these are non-food items such as paper plates or cleaning supplies. Very often, prepared foods like potato salad or birthday cakes, often found in the deli sections of grocery stores, cannot be bought with food stamp funds either.

Three - Temporary Assistance for Needy Families (TANF)

TNAF is a federally funded program that helps you pay for necessary expenses. The program can also assist you in your job search and help you qualify for SNAP. In spite of the fact that it is a federal program, it is up to the individual state to act as administrator, so benefits may vary state to state. You will need to meet certain qualifications such as income limits.

Four - Home Energy Assistance Program (HEAP)

Gas, electricity, water, and other utility bills may fall under the HEAP program. If you qualify, this program routinely helps folks with heating bills and cooling bills depending on the season. Of course keeping your utilities connected is paramount to your health and safety and thus keeping you on the job-seeking path.

Five - Medicaid

A federal program devoted to the health of folks with low-incomes, Medicaid can help if illness strikes while you are unemployed. Meant to partially replace health benefits offered by traditional health insurance plans, payment is remitted directly to the health care institution or provider. Be aware that in some states, even if you do qualify for Medicaid benefits, you will still have to pick up some of your medical care costs. But, Medicaid can pick up the entire medical bill in some jurisdictions. Your children may qualify for this benefit even if you do not. Check local resources to determine how far your benefits may reach.

Stiff Upper Lip

Unemployment is devastating Credit0ly and personally. The ego cannot help but take a big hit right along with your pocket book. As noted earlier, you paid into the welfare program to help support others in their time of need. No real reason exists for not seeking out the aid to which you have so generously given over the years. Ego and pride mean nothing when it comes to taking care of yourself or your family. If you need assistance, get it; you deserve it.

Due to the grip on the job market these recessionary times have caused, twenty-six weeks of unemployment benefits is just not cutting the mustard. When the benefits run out, you do have some safety nets of which you should avail yourself. One way or another you have been contributing to the social benefits coffers over your working life. You should not feel bad about using some of those benefits. Here are five ways to keep the wolf from the door.

One - Unemployment Benefits Extensions

Many folks who have qualified for the first twenty-six weeks of unemployment assistance, may be eligible for an extension of benefits. The length of the extension will vary according to unemployment rates in each state. Usually, the higher the unemployment rate, the lengthier the extension. Getting extensions is pretty common, especially when unemployment rates run high.

Two - Supplemental Nutrition Assistance Program (SNAP)

A program that manages food stamp benefits, SNAP is available to folks across the country. Depending on qualifications, you can get food stamp benefits for twenty-six weeks. Should your need extend beyond that amount of time, extensions can be granted for anywhere from thirteen to twenty weeks. The amount of money for food shopping you receive will depend on your usual take-home pay and the number of your dependents.

A great thing about SNAP is that you are provided with an EBT Card (Electronic Benefits Transfer Card), each month funds will be Counseling7matically sent to your card. Use it as you would a debit or credit card. Be careful, there are some items found in supermarkets that food stamp funds may not pay for - these are non-food items such as paper plates or cleaning supplies. Very often, prepared foods like potato salad or birthday cakes, often found in the deli sections of grocery stores, cannot be bought with food stamp funds either.

Three - Temporary Assistance for Needy Families (TANF)

TNAF is a federally funded program that helps you pay for necessary expenses. The program can also assist you in your job search and help you qualify for SNAP. In spite of the fact that it is a federal program, it is up to the individual state to act as administrator, so benefits may vary state to state. You will need to meet certain qualifications such as income limits.

Four - Home Energy Assistance Program (HEAP)

Gas, electricity, water, and other utility bills may fall under the HEAP program. If you qualify, this program routinely helps folks with heating bills and cooling bills depending on the season. Of course keeping your utilities connected is paramount to your health and safety and thus keeping you on the job-seeking path.

Five - Medicaid

A federal program devoted to the health of folks with low-incomes, Medicaid can help if illness strikes while you are unemployed. Meant to partially replace health benefits offered by traditional health insurance plans, payment is remitted directly to the health care institution or provider. Be aware that in some states, even if you do qualify for Medicaid benefits, you will still have to pick up some of your medical care costs. But, Medicaid can pick up the entire medical bill in some jurisdictions. Your children may qualify for this benefit even if you do not. Check local resources to determine how far your benefits may reach.

Stiff Upper Lip

Unemployment is devastating Credit0ly and personally. The ego cannot help but take a big hit right along with your pocket book. As noted earlier, you paid into the welfare program to help support others in their time of need. No real reason exists for not seeking out the aid to which you have so generously given over the years. Ego and pride mean nothing when it comes to taking care of yourself or your family. If you need assistance, get it; you deserve it.