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    Free Essay
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    The 411 on getting a student debt consolidation loan

     

    Rising tuition fees have given rise to students having to take student loans. However, these high student loans give a high impact on the day to day lives of the students. This gives rise to difficult financial situations for the student during and after their studies. This is the reason students turn to student debt consolidation loan to rid themselves of the burden of the student loans. Student debt consolidation loan means having the multiple student loans replaced with a single loan with a lower monthly payment scheme to be paid over a longer repayment period. Though a student debt consolidation loan is beneficial, it is important to know its pros and cons before signing up for one. The huge students’ loans have an impact on your future decisions and on your credit history. So make it a point to have your student loan debt not exceed 8% of your income to get a good credit history. There are many types of student loans, but the most common student loans are the private and federal loans. It is not advisable to go in for student debt consolidation loan by mixing these two loans together. Instead, it is better to consolidate the federal student loans and then the private loans, separately. This is because when consolidating both these kinds of loans, the federal loan benefits will all be lost. For one to be eligible for consolidating his/her student loans, it is important that the person is no longer enrolled in a school. The person should also be repaying the debt or at least be in the grace period of the loan. Through student debt consolidation loan, instead of making multiple payments to all your lenders, there is only one debt consolidation company to whom you have to make your payments. It is the job of this company to pay off your lenders. Interest rates are lowered as the debt consolidation is a second mortgage, which has lower interest rates. Lower interest rates lead to lower monthly payments. And with only one payment, the monthly installment will be lower too. As you only have to pay a single person, all clarifications can be made through only one person instead of approaching all your lenders. All things have their share of good things and bad points. There is always a chance of falling into more debt with student debt consolidation loan. This is because there is only one payment to be made, with more money remaining at the end of the month. This may prompt you to use your credit cards and spend money again. Student debt consolidation programs take a long time to cover, so you will be spending a good number of years repaying the loan. Moreover, though the interest rate of the student debt consolidation loan is low, over the long loan period, you will actually be spending more than you would have spent if you had retained the individual loans. As consolidation loans are secured loans, you stand a chance of losing whatever you keep as security if you don’t repay the loan. So it can be seen that though student debt consolidation loan is beneficial, it also has its drawbacks. It is up to the individual to decide whether to opt for student debt consolidation loan or not.

         
    The basics of debt consolidation

     

    Accumulating debt is very easy nowadays, which makes debt consolidation that much more important to the everyday consumer. The basic idea behind debt consolidation is that a consumer takes out one loan in order to help them pay off a number of other loans. The advantages of consolidating debt include a lower interest rate that is often secured, and the simplicity of dealing with just one loan instead of several. A first word of warning is to steer clear of debt consolidation companies. These are the ones that run commercials promising debt help despite your poor credit. They will charge application and handling fees that other sources of help would not charge, and will oftentimes charge up to 23% in interest, which would be reflected negatively in your credit rating. Credit cards often charge high rates of interest, which makes them a popular candidate for debt consolidation. In this case the process is relatively simple. If you hold several credit cards with high rates of interest, you can simply transfer their balances to a single credit card with a lower interest rate. Many times you will be able to find credit cards offering a low introductory APR, and oftentimes this introductory rate will actually be 0% for the first six months. If you are accumulating credit card debt because you are constantly spending more than your actual income, then consolidation will not help in the long run since your credit card balances will inevitably surmount again. As unappealing as it is, you may have to force yourself to look long and hard at yourself in the mirror in order to see that you may have to change your lifestyle and spending habits in order to fully take advantage of debt consolidation. Canceling your newly-zeroed credit cards is a good place to start. If you are a homeowner then you should look into obtaining a home equity loan. In this case your home will act as collateral. So long as your loan is not more than the value of your house the interest on the loan will be tax deductible. Remember that if you default on this loan, it is very possible that you will lose your home. In other cases of debt, you can find help at your local bank or credit union in the form of a secured or unsecured loan. The difference between the two is that a secured loan requires you to put up property as collateral, while an unsecured loan does not require any collateral. Needless to say, it will be more difficult to qualify for an unsecured loan.

         
    The best debt management programs how to choose

     

    There are gems and there are duds of any business. This is true of debt management programs as well. Your money is very important to you, so you should choose a program that has the best reputation for success. Reviewing the number one debt management programs is your best option for choosing the company that is right for you. Certified - One thing all great debt management programs have are certified credit counselors through the NFCC (National Foundation for Credit Counseling). This ensures that any counselor you work with has gone through extensive training and has taken six certification tests to get accredited. Anyone who handles your money should be professional. Non Profit Work - Another characteristic many of the best debt management programs possess is nonprofit work. The reason these programs seem to be the best is because they have your best interests in mind. They are not thinking about their bottom line when setting up a payment program for you. Most of the time these organizations require you to close all open ends of credit, such as credit card accounts. Their goal is to assist you with your current financial problems, but then never see you again. You want a debt management program who doesn't want you as a return customer. Confidentiality - One of the most important things the best debt management programs have is a strong commitment to your confidentiality. This is important for two major reasons: privacy and security. First of all, most people don't want neighbors to be aware of their financial problems. Any visit to a debt management program should be kept confidential. Second, the information given during a credit counseling session is very sensitive. You may give social security numbers or credit card numbers. Since identity theft has become so prevalent, you must be able to fully trust your debt management program to keep your information safe. If you find yourself in the situation where you need a debt management program, be sure you choose one with NFCC certified counselors, that has your best interests in mind, and respects your confidentiality.

         
    The danger of rounding up your debts

     

    Rounding up your debts is one of the biggest dangers to your financial position. It's also one of the easiest ways for your debts to get out of control. This way of thinking is best summed up by the following comment; ‘I already owe $27500 so what’s another $500. It takes my debt to a nice round figure $28000’. That’s a dangerous way to think. From bitter personal experience, I know what it’s like. You try to limit your debt to a certain amount, such as perhaps $10000. But that limit comes and goes. Your debt creeps up above that amount. But you’re enjoying yourself, so you carry on spending. You reach $13500, but you don’t want to stop, so you readjust your ‘limit’, thinking ‘I’ll go up to $20000, but I’m not going a penny higher’. So you carry on spending and your debts hit the $20000 barrier…and then go slightly beyond. Then what happens? Correct! You increase your self-imposed limit to the next psychological barrier. Perhaps $22000 this time! And then you carry on spending. Eventually, after many more ‘final’ limits have come and gone, your debt stands at $27500. And then you see a rather nice 7 day package holiday advertised as a ’special, once in a lifetime, never to be repeated’ offer. $500 first come, first served! Your reasoning goes something like this. ‘That’s a great offer. I’ve not had a holiday for two years, and I could do with some sun before the winter sets in. I’ve already borrowed quite a lot. But it’s a special offer, and I couldn’t normally afford that type of holiday. I know it’s kind of expensive, but I already owe $27500, so what’s another $500. It hardly makes a difference. And I’ll worry about paying it back when I get home.’ You’ve reached another of your preset limits. But is doesn’t stop there, oh no. After all, what about a new wardrobe of clothes to take on holiday! And you couldn’t possibly go away without some spending money. You just wouldn’t enjoy yourself otherwise. And so the $28000 mark is broken. Next stop $30000, or will it be $35000? But as I said earlier, every extra dollar that you borrow restricts your freedom even further. Every dollar that you owe will cost perhaps $2 to repay after interest. It could take you half an hour (after tax) to earn that amount. $1 borrowed, half an hour of your precious, non-renewable life. Gone! Never to be replaced! Wasted! Now half an hour may not seem like much. But what if it’s multiplied by five hundred? That’s 250 hours of your life. That’s almost six full working weeks! And once your debt reaches $28000, what is there to stop you from thinking ‘it’s only another $2000. It will take my debts to a nice round $30000’ when you see a leather sofa/laptop/hi-fi that attracts your attention? Bang goes another 1000 hours of your life. That’s another six months of eight hour shifts to look forward to! When will it end? When your life runs out of time or the bank manager says ‘no more’? Round figures aren’t nice! Especially when it means that your debts are even bigger than before. When you owe money, every penny counts! I can’t stress how important this is! This rounding up attitude is very subtle, that’s why it’s so dangerous. It draws you in. And the more you owe, the larger these ‘what’s another [insert sum of money]’ thoughts become. If you owe $9200, what’s another $800. That takes you to $10000. But if you already owe $92000, this ‘what’s another’ attitude could cost you $8000. That will take you up to a nice round $100000. Don’t mentally round up the amount of your borrowing, in order to justify spending even more. Every dollar you owe = less freedom. by Stuart Laing Copyright (c) Get Out Of Debt

         
    The debt fight ways avoid bankruptcy

     

    It’s not hard to do. One day you feel like you have all the money and financial security in the world. And then it happened, maybe not to quickly either. You may have had a family emergency, you may have been injured, you may even have got carried away over the years, and regardless it happened. Debt can creep up on you and you may not be able to catch it until it’s too late. Many think to themselves, “How did this happen?” Well, the answer to that isn’t so easy to explain. The average household is somewhere around $9000 in accumulated debt. Sometimes, if anything, this debt can seem to be a huge emotional burden as well. Debt can break families apart; debt can make it seem hopeless for any sort of a future. There is a practice that anyone can start doing to avoid debt and bankruptcy. Many people do not realize that debt can so easily be fixed and they can enjoy good credit again. That is probably because there is no “easy” way. For starters, even if you aren’t in debt, it is of utmost importance that you start to build a budget or financial plan. This plan should involve goals for erasing your previous debt. These goals should be time related and specific. You must always have a plan to accomplish any goals in life. How does financial planning save you from debt? Well, for starters, it is a plan to keep you from going deeper in to debt. Not only that, you should make a plan that you can “live” with that will slowly reduce your debt over time. You may think of things to include in this plan such as keeping only one credit card. This will keep you from paying annual fees and only pay interest off of one single card instead of many. Another idea to add to this plan could be to pay your credit card bills each at maybe twenty-five dollars over the minimum payment and to always pay ten days early. These are practices that will not only help you get out of debt and avoid bankrupcy and worry, they will help build your credit score at the same time. If you are to the point that you can’t even afford to do this, there are other financial options and institutions to help you with your debt problems such as debt consolidation and consumer credit counseling services. Debt consolidation is the process of combining or “consolidating” all your debt in to one single monthly payment at a lower interest rate. You may want to also visit a debt negotiator who will work with the credit card companies to lower your actual owed balance. Debt consoldation and debt negotiation are two basic options to avoid bankruptcy. Another option to avoid bankrupcy is Consumer Credit Counseling. Consumer credit counseling is usually a non-profit consultation service by creditors that can work to help you get out of debt in numerous ways. They will also be able to pull up your credit report and work to see just how you got in to debt in the first place. If you have a spending problem or budgeting problem, they may be able to offer solutions to help you fight debt and rebuild your credit. Either way you decide to fight debt it is always important to take action none the less. Always start with a financial plan and that will give you an idea of what you need to do to stay debt free.

         
    The debt free living recipes

     

    Living debt free is a feeling that's hard to explain. It's a feeling that's alien to most consumers today. But once you've had a taste of living without debt, and without the stress that often comes with it, you'll be cookin' it up all the time. This is a recipe you'll surely want to pass down from generation to generation. Your children and grandchildren will love the flavor of debt freedom. Serve it to them from birth to marriage and you'll be giving them a taste of success. Give yourself and your heirs a slice of financial security and independence to savor! What's in the recipe for debt free living? Ingredients: 2 cups self evaluation 1 cup self discipline 3 or more cups self control 1 cup self monitoring ingenuity by the handfuls determination as needed Directions: 1. Use a 1 cup self evaluation to track spending habits and the other cup to determine what type of budget suits your personality and level of budgeting tolerance. Use a good honest grade of self evaluation. Take a good look at your past budgeting habits (failures and successes). Choose an easy budgeting method that suits you. You don't want your debt free recipe to fall. 2. Add self discipline to stick to your debt free living goals and your personal budget plan. Depending on what grade of self evaluation you've used, this should mix in with minimal effort. 3. You'll surely need all 3 cups of self control to stop overspending, wasting money, making impulsive spending decisions, and creating more debt. Don't be stingy here, use as much as you need. The more self control you use the tastier the result! 4. Throw in a cup of self monitoring to track and maintain your budget plan and, monitor spending and goals. Mix well. You want your mix of budgeting, spending management, and goals (debt elimination, savings, investment, and wealth building) to be a complete and smooth mix. 5. Ingenuity is the secret ingredient that will help your recipe rise to success. Use your resources to the fullest to trim your budget expenses and save money everyday. Recycle, reuse, reconsider, resell, and use a variety of money saving strategies. Never pay more than you have to for any ingredient in life. 6. Add determination as needed to keep your recipe for debt free living cooking. Cook until done. Debt balance when viewed says zero! You've reached your goal to eliminate debt. Enjoy the taste of true freedom and rejoice with a huge slice of stress relief.

         
    The debt negotiation process

     

    The debt negotiation process is a strategic and a timely matter. There are many contributing factors to consider, in order of ACHIEVING successful negotiations. First off, you must verify the delinquency status. A creditor is more likely to engage in negotiations according to the age of the account, in an attempt to avoid a net loss. (A debt is written off around 180 days to 220 days) During that time period, you can achieve a significantly lower settlement offer. Once the debt has been written off, it is no longer an active asset. At that point, the original value of the debt has depreciated, and the creditor must recovery net gain in order gain profit and maintain a financial relationship with investors. In order to obtain a net gain, the creditor must either employ a collection agency at a fraction of the cost, or sell the debt to debt buyer. Secondly, if the debt has to be negotiated with a collection agency or debt buyer, the third-party collectors are directly regulated by the Fair Debt Collection Practices Act administered by the Federal Trade Commission. It's for these reasons that consumers oftentimes seek the help of a debt negotiation company. Professional debt negotiators are thoroughly trained and learn effective and strategic negotiations skills to arbitrate debt settlement with creditors, collectors and attorneys on behalf of the consumer. Professional debt negotiations is the most effective alternative to reduce the total outstanding balance on an average of 40%; the payback is considerably less and the time frame for the payback is shorter; which enables the consumer to regain control over their personal finances, rather than just reducing interest and fees.

         
    The double entry method of book keeping and how to know if it s a debit or a credit

     

    Debit and credit are the two most basic concepts in accountancy. Today, almost all countries follow the double entry method of book keeping. Under this method, for every account that is debited by a certain amount, another account must be credited by the same amount. Thus, at any given point, the sum total of all debits must be equal to the sum total of credits. For any given transaction, the account to be debited and which credited is based on certain principles of accountancy. Broadly, the rule for debit/credit is as follows: A) For real (or asset) accounts (e. g. furniture, cash, machinery, land, etc.): Debit is what comes in, credit is what goes out. b) For nominal (or income / expense) accounts (e. g. salary, purchase, sales, etc.): Debit is all expenses and losses, credit is all income and gains. This would include our bank chequing accounts and is why were all so used to knowing debit and credit under these conditions. c) For personal (or individual’s) accounts (E. g. Mr. Johnson’s A/C, Forsyth Inc. A/C, etc.): Debit is the receiver, credit the giver. Thus, for example, if a person buys furniture worth $1000 and pays for it in cash, he would apply rule (a) Debit the furniture account and credit cash a/c. Let’s take another transaction. A business pays salary to their employee, Mr. Smith, amounting to $1500 by cheque. In this case, following Rule (b), salary a/c shall be debited, and following rule (c), bank a/c will be credited, since in accounting, the banker is treated as a personal account. At the end of any given period the balances in all the accounts are put in a table format, called the trial balance. The debit balances are put in the debit side of the trial balance and the credit balances on the credit. Since every debit has a corresponding credit, it naturally follows that both sides of the trial balance must be equal. Any discrepancy in the same would point out that an error has taken place somewhere in making an entry. The layman may get confused with the terms debit and credit as used by his banker. The banker will “credit” you for all deposits of funds in your accounts, i. e., whenever your bank balance increases, and debit you with all withdrawals. But the entries in the bank book for a business are just the opposite. In other words, when you deposit funds in your bank, you debit the bank book and when you make payments or withdrawals, you credit the bankbook. Thus the bank’s passbook or statement will have the same entries as your bankbook, but on the opposite sides. So next time your accountant tells you that your bank book has been debited by $1000 be happy, for it is a deposit and not a payment!

         
    The downsides to debt consolidation

     

    There's no doubt you'll have heard plenty about debt consolidation loans - our TV screens are full of adverts promising freedom from financial worry, and the internet is positively flooded with solicitations to lock in a low rate with a refinancing package. If you're having difficulties keeping up with your bills and credit repayments, or even facing the prospect of recovery action on overdue installments, then the idea of debt consolidation can be very seductive. By combining all your current debts into one single loan, the theory goes, you'll be benefitting from both a reduction in your monthly repayment amount and a lifting of the stress caused by constantly having to juggle your finances. But is debt consolidation really as simple as all that? Of course there are benefits to restructuring your financial life in this way, and the adverts aren't shy of pointing out the positive side, but before embarking on this course of action there are a few negative aspects you'd be well advised to consider. Only then can you make a fully informed decision on whether debt consolidation is right for you. Firstly, in order to secure a lower monthly repayment you either have to get credit at a lower interest rate, or spread your payments over a longer period. Most consolidation packages rely on a combination of both, but it's almost certain that the deal will involve a lengthy loan term. This means that you'll be paying interest on your debt for longer, and the total amount of interest you'll be charged will in the long run be higher. You may feel that this is a price worth paying for reducing your monthly bills to a more manageable level, and you may indeed feel you have little other choice, but it's a point to bear in mind. Another potential problem with consolidation is that, in a sense, you're giving yourself a fresh start financially. You're wiping out all those worrying debts and getting your finances back under control. This is of course a good thing - but you'll be left with all your old credit card accounts with a zero balance, and all the temptations to spend that that may provide. If you're not careful, you could end up in an even worse situation - having to pay back a large loan while running up new debts at the same time. This pitfall can of course be avoided by cancelling your card accounts at the same time as you clear the balances, and it is strongly advisable that you do this. The final problem to bear in mind is that by consolidating you will probably be shifting unsecured debt into a secured loan using your home as collateral. This means that if, in the future, you fall behind with your payments, you could risk losing your home as your creditor calls in the debt through foreclosure. This is a serious drawback, and if most of your current debt is unsecured then you might wish to explore every other possibility before tying it up to your home. So, is debt consolidation an altogether bad option for sorting out your finances? Not at all. It can be a very effective strategy for dealing with problem debts, but it shouldn't be entered into blindly, no matter how attractive the advertisements may appear.

         
    The easiest way to eliminate your credit card debt

     

    Credit cards can offer customers the option of a quick solution to financial worries. However, many people who begin using credit cards often find it to be almost addictive. For many people who begin using credit as a means of payment for expenses, credit card debt can become a huge problem. Credit card interest is usually the cause of this. Naпve customers who sign up for credit cards and do not have experience with credit cards can be easily coerced into applying for credit cards with high interest rates that will eventually lead to extreme credit card debt. Credit card debt leads to a number of bankruptcies every year throughout the United States. With so many people falling prey to credit card debt, it must be made easier to eliminate credit card debt. Once credit card debt gets up to a certain point, payments can be huge and it may seem as though you are unable to keep up. This is why it is important to keep your credit card at a manageable rate. Once your credit card debt gets too high your payments will also rise. If you miss payments, credit card interest will cause your credit card debt to climb even if you have not recently used your credit card. Keeping on top of payments and not using your credit card to an extent to which you will have trouble making payments on time is the ideal way to keep yourself free of credit card debt. If you are already facing a large amount of credit card debt, do not worry, there are ways to eliminate it. If you are like many other people across the United States you may be facing a number of separate credit card payments to make each month. The best way to face multiple credit card bills is to approach one at a time rather than give yourself a number of bills to try to eliminate at once. It is best to start with the credit card that you owe the least amount of money on because it will be the easiest to pay off. Once you eliminate credit card debt for that credit card you can move on to the next and so on until you are debt free. It is best to limit your spending while paying off your debt and try to make the largest payments you can whenever possible. This will reduce your credit card debt faster than paying the minimum payment each month. If you limit your spending in other areas you will find that it will become easier to meet your payment deadlines and even, in some cases, be able to make larger payments. However, if you cannot afford to pay more than your minimum monthly payment, settle with paying that habitually and eventually you will find yourself debt-free.

         
    The effects of piled up debts

     

    Debt is a thin red line before hitting the bankruptcy. It is not merely having no financial incapacity but its damage is not only hurting the pocket but sad to say its damage is more than what one expects it to be. Money says it all. Though some people say that money is not the most important thing in life, the paradox happens around us. People do everything just to keep their pockets full. Many even tries to do all means just covet it without considering the morality of the action. People dive, box, steal, swindle just for that thing. People want to live with comfort. Affluence is so influential today. Money pulls opportunities nearer to one. Just imagine one day; you realized that you have too much debt. What will you do? Hide or seek? There are these effects which are less talked about but they are so true. If one’s debt pile up, it will really give a hard time to the individual. Just the thought of soaring bills, the soonest deadlines, the fines if one could not pay on time… All of these will really make one go mad. Not only mad but- First, one’s self-esteem will trim down due to the thought that one is so bad to have allowed himself to be in that situation. This effect is proven by many situations. The sudden change in one’s grooming may tell. Keeping your confidence in this kind of scenario is a must. Letting go of one’s self-esteem may just ruin your entire life. The frustration of not making it well will really affect a person’s perception of his very self. He thinks he is the cause of the entire problem. Sometimes, past frustrations will also be opened again. Stress is a major problem by modern-day people. When one is stressed out due to worrying about his debts, like what if he is going to be put behind bars due to it? These continuous thoughts will really disturb the person psychologically. This will give one anxious moment. Lose of appetite will follow soon. Sickness will follow. Not only lose of appetite but also lack of sleep because of thinking so hard will cause a person to get thinner. His resistance to physical challenges will not be good like it used to. The most painful blow of having so much debt is the walls it will build within a family. Since you are so affected by the problem, you get irritated so easily. Family members will also share the sentiments, like frustration and shame. There are even times when you will blame each other for the misfortune. Arguments, complains and blames will bloom out of the blue. People involved will surely feel the pain of the situation. A family will be divided, a friendship may crack down. Worst, untoward cases of inflicting deeper degree of pain will be the consequence. Life is a gamble. WE cannot have everything but we can do something n order to set the path we want to take with our beloved family. Borrowing money is fine. Just see to it that your resources is enough to pay it - on time.

         
    The five

     

    Payday loans are also called “cash advance loans,” “check advance loans,” “post-dated check loans,” or “deferred deposit loans.” But they all pretty much mean the same thing. In the case of online companies, you apply for a loan through the Internet. If you’re approved, the money is wired overnight into your checking account. The loan is usually for one to four weeks — until your next payday. When the loan is due, the company takes the amount you owe — plus a fee — out of your bank account. You can “roll over” the loan to the next payday, but you have to pay another fee. But there are some facts you need to be aware of. You won’t see these in the ads for payday loans. And you may have to search the “fine print” on the company websites to find them. I call them the Five Hard Truths About Payday Loans. Hard Truth #1: A payday loan will not solve all your problems Remember, it’s just a short-term loan. And the quicker you can pay it back, the better. Don’t keep rolling over the loan and racking up the fees. But you’re an adult. You can decide for yourself how you’ll use the loan money and if you can pay it back when you get your next paycheck. Hard Truth #2: You can’t get an unlimited amount of money Don’t expect to get thousands of dollars with a payday loan. Most loans you get will be about $100 to $500 — enough to get most people through a crisis until the next payday. Some payday loan companies advertise that you can get $1,000. True, but don’t expect to get that much the first time you do business with them. Once you become a regular customer, they may raise the amount you can borrow -- as long as you’re making enough in your job. Which bring us to … Hard Truth #3: Not everyone can get approved Here’s the deal. They’re called “payday loans” because they’re for people who have jobs and get a regular paycheck. If you don’t have a job — or other income like Social Security — you’re not going to get one of these loans. Also, your job has to pay you enough. If you earn about $1,000 to $1,200 per month, you should be okay. But these companies have other requirements you have to meet, and for good reason. They don’t know you, they’ve never met you, so why are they trusting you with their money? Because you prove you can pay the loan back. So you’ll need to show them you have a job or other monthly income … you’ll need a checking account … you need to live somewhere and have a phone number … and you can’t be a complete deadbeat on the run from the law. Sound reasonable? Sure. And don’t worry too much about credit problems. They care more about your current ability to pay back a loan than about your past troubles with credit. That’s a relief! Hard Truth #4: These loans don’t come cheap In general, you’ll pay up to $30 for every $100 you borrow. Now, some pencil-pushers will tell you that’s like paying an annual percentage rate of 390% or 780% or some such number. They’ll say it’s outrageous when you compare it to getting a mortgage at 6% a year, or paying 18% on your credit card charges. Okay, but you’re not taking out the loan for a year — just a few weeks at most. So look at the cost of taking out the loan as a service charge. You alone can decide if it’s worth it to you. Want an example? Let’s say you have three bills due on Wednesday, but you don’t get paid until Friday. If you pay your bills late, you get hit with late charges. If you write the checks anyway, and there’s not enough money in your account, the checks will bounce and you’ll have to pay fees for that. Bounce one check and it might cost you $60. Bounce three checks and it’s $180! Now compare that with paying, say, $50 or $60 to borrow $200 to cover your bills until payday. It makes a lot more sense to get the short-term loan now than to get hit with all those charges later. What about “overdraft protection”? Your bank would love to charge you extra for the service of covering you when you write checks for more than you have in your account. And why not? Some overdraft plans charge fees as high as $35 per overdraft! It’s a huge money-maker for banks. In fact, the biggest banks earn about $1 billion a year on overdraft fees. What your bank doesn’t want you to know about payday loans is that they may be cheaper than the bank’s overdraft protection plan. No wonder so many banks are raising a fuss about payday loans — it’s competition for them! So before you think about using your bank’s overdraft protection plan, take a close look at the cost. You may find that a payday loan will save you some money. Hard Truth #5: All payday loan companies are not the same. It would be nice if you could just pick any payday loan company and know you’ll get a good deal. Sadly, that’s not the case. I've scoured the Internet looking for the best companies. I've looked at what kind of loans they make, what their fees are, what kind of service they offer, and whether they’re easy to use. After reviewing dozens of these websites, I’m happy to report that you have some good choices out there. There are also some questionable companies, but we’ll leave those for the authorities to deal with. If you do your homework, getting a payday loan may be just what you need, saving you money in the long run. Wishing you all the best in solving your cash flow needs!

         
    The four types of direct student loan consolidation

     

    As a student, do you find it hard to repay your student loans? While student loans are great in that you and I will probably not be able to afford a tertiary education without it. On the other hand, it can be difficult to pay the monthly payments on time due to the high interest rate and other external factors which can challenge your wallet. If you have a difficult time in repaying your student loans, you might want to consider a direct student loan consolidation. So what is a direct student loan consolidation? In essence, it is simply exchanging or consolidating your existing outstanding student loans with higher interest rates for one loan with a more manageable, fixed interest rate. The interest rate is determined by the average of your loans, rounded to the nearest 0.125 per cent. A direct student loan consolidation is especially useful if you know you are about to default on your monthly student loan payments. A direct student loan consolidation can mean a new start since it is considered a new loan. When you consolidate your student loans under a new loan, your existing loans will show up on your credit card as paid off, thereby increasing your credit score. Before getting a direct student loan consolidation, you need to know the types of plans for repaying. There are four major types. You may like to investigate more to consider which is best for your needs. 1. Standard Repayment Plan Standard Repayment Plan allows you a fixed monthly payment for up to 10 years depending on the amount you owe. 2. Extended Repayment Plan An extended repayment plan allows you up to 30 years. Obviously, the longer the period, the less amount you need to repay each month. Do note, however that you will end up paying more as a whole if you spread your payment over longer periods of time due to interest rates. 3. Graduated Repayment Plan Graduated Repayment Plan usually have a repayment period between 12 and 30 years. The main difference between graduated and extended repayment plan is for graduated, the amount of your monthly payment will increase every two years. 4. Income Contingent Repayment Plan If you have a job, then this plan may be what you are looking for. The income contingent repayment plan set a monthly payment based on your gross annual income. Other factors include your family size and the amount owe. The repayment period is usually 25 years. A word of caution, if you are close to paying off your student loans, then a direct student loan consolidation may not be suitable for you since you will be paying more due to interest rates over the long term. However, if you have difficulty in repaying your student loans and it is still years away from being paid off, then a direct student loan consolidation may be the answer. Not only do you pay less interest over the long term but it can improve your credit rating as well.

         
    The most important aspect of debt consolidation

     

    When we talk about debt consolidation, interest rate reduction, late payment fees, lower monthly payments, and better monthly repayment terms often comes into the picture. Interest Rates make up of the biggest contribution to your debts and should be lowered as much as possible. Late payment fees penalties should be waived or review again. A lower monthly payment can help you live a normal life… All the above mention factors are important things to consider when you consolidate your debts. But if you ask me, the main thing to think about is your personal spending habit when you consolidate your debts. Most people fall into cycle of debts because of their undisciplined spending habit. And if you don’t get this right, you will not be able to get out of debts no matter how you consolidate your debts. Frankly, if your monthly expenses exceed your monthly income, there’s not way your can clear your debts. You will have to come out with a realistic budget plan to help you get started. Analyze your expenses and income. Organized your expenses into ‘needs’ and ‘wants’. Spent your money on needs and leave the wants for the last and only when you have the spare cash. For your info, ‘needs spending’ are those that are required to keep you alive and kicking while ‘wants spending’ are most often good to have but not necessary. A good example would be to dine at your local eatery or fine dinning at the restaurant downtown. Debt consolidation is just a process, maybe tool to help you get back to debt free. The most important aspect of successful debt consolidation is still you – and your spending habit. Work out a realistic, down-to-earth budget financial plan for the next few years that will allow you to live a simple but debt-free life today.

         
    The real cost of your debt

     

    I want you to take a good long look at your debt. Do you really know what it costs you to be in debt? Are you thinking that you can handle it or is it getting you down? Once you start really analyzing your debt position and the cost (to yourself) of having the debt, the results can be mind-numbingly shocking. I’ve found that debt is a lot like smoking. When you start out, you believe you’re in control and you can quit at any time. As the months and the years roll past, this initial belief does not fade away. With every debt you incur, the mantra “I can afford this”, repeats itself in your subconscious until you wake up one morning and realize that you’re in over your head. Debt has well and truly caught you in its trap. Debt has become a bad habit. And just like any bad habit, debt requires as much hard work and discipline to shake. The first step in the process is to acknowledge that you have a problem - instead of turning a blind eye, hoping it will go away or thinking that you’ll get around to it some day in the future. One of the motivators to setting your feet on the path to debt free living is to look at the real cost of that debt. What is it doing to you? Where does it hurt the most? Most debts (the ones that make you cry into your morning coffee anyway) are the ones that are incurred for a period exceeding one year. You’ve probably seen or heard advertisements that go something like this: Buy your ‘Wiggly Snoogle’ for this special one time limited offer today – 24 easy monthly instalments. Beware – this is where you can fall into the deadliest trap of them all. The interest rates are usually above average and you’re stuck into a long term contract. Yes, getting your Wiggly Snoogle with the 25 000 features sounds like a good idea because of the easy monthly payments; especially if you compare it to the one time lump sum payment. (By the way, using the ‘lump sum’ to ‘monthly payment’ comparison is a well known sales technique to separate you from your hard earned cash.) Let’s take this out of the realm of philosophy with a real world example: You borrow $ 10,000 to buy a new car. Over a 48 month period – that’s 4 years of monthly payments – you will be paying an additional $ 2,000 in interest. So, your $ 10,000 vehicle is actually costing you $ 12,000. The cost of that debt is a whopping $ 2,000. If you had taken that $ 2,000 and invested it over the same period, it could have grown to $ 3,000. Instead, it has disappeared into someone else’s pocket – never to be seen again. This is where the lenders make their money. The longer they can have you in their clutches, the longer they can smile all the way to the bank and you groaning on the way to work. Now I’m not saying that you shouldn’t have a car – it’s just an example of the REAL cost of debt. Sometimes debt is unavoidable, but as a species we’ve become too complacent about debt and we jump into it without thinking. Your Magic Plastic (a. k.a. Credit Card) is another one of those fiendishly sneaky evils the banks developed to rid you of your money. If – and that’s a big if – you manage your credit card correctly and pay off the full amount at the end of each month, they can be great to have and smooth the little rough patches in life. But most of us only pay the minimum amount required each month – and that’s exactly what the banks want. It leaves you in the red and owing them money. Which gives them ample opportunity to apply the thumb screws. Remember, every month you’re in the red, you’re paying interest on the outstanding amount which gets added to your bill. The big mistake we all make is to look at our monthly statement and say: “Hey, that’s not too bad. I can still afford my repayments. And I have some credit available to buy that wiggly snoogle as well!” The problem arises when you battle to make your income stretch through the month because of the various different repayments you have to make. It’s critically important that you start looking at the TOTAL COST of your debt over your lifetime. Once you’re over the shock and horror of how much of your hard earned cash is going up in smoke, you’ll be in a position to tackle the problem head on and take the path to debt free living. Remeber: Bad debt is a bad habit.

         
     
         
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