Category Archives: Dealing With Debt

25 Money Saving Tips To Stretch Your Budget Further

Having a realistic budget can help you plan your expenses, put your finance in order and get you out of debt. However, staying in a budget is difficult for most people. If you happen to fall under this group, then you can apply the some of the tips listed below; these tips will help make your life easier and help stretch your budget. Ways to save cost on Home Whether you are a landlord or a tenant, they are various ways you can save more money. The […]

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8 Ways to Pay off Debts Fast

Pay Off Debt Fast

Nobody likes getting into debt, but it seems inevitable in this day and age with the higher cost of living and stagnant paychecks. A significant number of people live in debt and are seeking for ways to get out of it as fast as possible. Majority of people have adopted lots of techniques to pay off these debts, but many of these techniques are not working. This can create a hopeless and frustrating situation. Consider the below options to pay off debts fast. Spend within your financial […]

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Negotiating for Tax Relief

Receiving a letter or other type of contact with the Internal Revenue Service can be scary and intimidating – especially if you don’t know or understand your options. Never ignore the problem, but meet it head-on. Hoping it will just go away isn’t an option. Written correspondence from the IRS is a red flag that you should take immediate action. That may mean that you can try to negotiate with them for some type of tax relief. Always respond as soon as possible to any communications you […]

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Are You in a Debt Spiral?

A debt spiral is pretty much like a bad nightmare where you’re falling into nothingness and can’t get yourself out of it. Many people go through debt spirals in their lifetime because of unforeseen expenses, loss of a job or medical crisis. Sometimes it’s by no fault of your own that the debt spiral occurs, and other times it’s because spending habits were out of control. Whatever the reason you find yourself in a debt spiral, it’s time to spend less, make more money – or both. […]

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How to Deal with Debt Collectors

Those harassed by debt collectors often panic from the pestering. Constant phone calls, being abusive on the phone, calling at work or late at night are not acceptable and should not be tolerated. If you have an outstanding bill and are being harassed by debt collectors, you should know your rights. For example, ask for a written notice stating how much you owe, who the creditor is and your rights from the debt collection act if you believe you don’t owe the demanded money. You should receive […]

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