19
Jun
2010
Credit Card Consolidation
Owning a credit card can be a status symbol. I remember the days when I use to envy those women who have lots of plastic cards on their wallets when I see them paying at the cashier. I thought how cool it was because the teller will just swipe their cards and they’ll encode their pin nos., sign a piece of paper and off they go with their loots. No cash, awesome.
Little did I know that when they use their “plastic money” an interest will be incurred in their transactions once they failed to pay on time and worst is that they’ll fall into big pit of debt when they try to avoid such penalties or paying. I know of someone who has done that but she learned her lessons well. Fortunately, I have not been in trouble yet and have not sought any credit counseling so I have very pretty good standing.
Anyway, for those that have over the ceiling debts, for sure it’s really a big problem since you’ll be sued for that and your name will have bad records and I don’t think you want that to happen. I reckon that you already need to consult consumer credit counseling service like Consumer Credit of America that can give some advices and help that you need. Check out their credit card consolidation before it’s too late.
20
Oct
2009
Find Help in your Debt Management Woes
I guess not everyone is lucky to be debt free especially these days where there is an economy crunch everywhere. It’s always sad to hear people being laid off from work due to their company’s falling business. To avoid that situation companies are forced to remove some of their workforce to liberate them from more expenses. I even have some relatives in the US in Cal. area who lost jobs and aggressively seeking a new one because they fear they can’t pay their monthly house payments.
Staying out of debt can be stressful most especially to those individuals who have no source of income to pay for all of their dues. I’ve been trying myself as much as possible to freeze my spending mode to avoid financial problems but there are times we can’t really help but to shell out money, particularly when emergency arises. That is why when you have the means to save we should grab that opportunity.
Now, if you feel you are somewhat bothered and helpless in managing your debts, then this non profit debt management company can definitely help you. Discuss with them your concerns about your credit card dues or loans and I am positive that they will help you in any way they can.
8
Oct
2009
My Penny-pinching Attitude
Now that holidays are coming and my birthday is about to come as well, I have every reason to keep my belt tighter. I want to splurge on so many things but fortunately I was able to discipline myself which is always the case. I do spent sometimes and give myself a reward for all my hard work and during my birthday but my “kakuriputan” penny-pinching attitude always show most of the times and it works for me actually.
Would you believe it is only this year when I got my credit card, which I didn’t even applied for? Actually my bank sent me one but my cc was still stuck in envelop in my drawer and I would not even dare to use it. Why use it when I have cash anyway? Why would I use it knowing that it will incur interest? I’m just trying to be practical and I don’t want unnecessary spending and debt. I am afraid of that!!
It’s just my 2 cents but for those that can’t avoid having debts or loans, they must only make sure that they are responsible enough to pay what is due . Collection Agency representatives might be calling to you if you happen to neglect your duties and I know you don’t want to end up being run after by them.