Freedom Debt Management

• Debt Settlement Companies
  Posted on Friday, May 8th, 2009 in Debt Negotiation Services – Comments: (0)
  Before you hire a debt settlement company, you need to do your research to ensure they are reputable and will not just take your money with no follow through on their promises.  Many people think all debt settlement companies are a scam, but if you read the general concerns about debt settlement, the most common problem identified is how your credit will be hurt by using one of these companies.  In all reality, if you are at a point of needing the services of a debt settlement company, I doubt your credit score is really a priority.  If you can’t pay your bills, it doesn’t matter if you have good credit.I recommend researching all companies though first, and this includes searching the company name in any search engine (Google, in example).  If you search for the company name in quotations (“Debt Settlement ABC”), this will narrow your search to the most relevant content.
• Ways to Get Out of Debt
  Posted on Tuesday, May 5th, 2009 in Credit Card Debt Solutions – Comments: (0)
  There are many different ideas about ways to get out of debt, and throughout this blog, I will educate you on various ideas and provide the advantages and disadvantages to each. But to start at a very simple point, you need to understand how you got into debt in the first place.  Unless you figure this out, all the tips and tricks in the world to get you out will be short lived.  I have worked with many clients over the years on debt management, and the bottom line is, getting to the source of the problem and developing a different way of thinking about money will truly help you overcome the debt burden for good.Before I go into how to get out, I want you to take a few hours and organize all of your debts and monthly bills.  I recommend using a spreadsheet or just simply writing it out on a piece of paper.
• Debt Management Spreadsheet
  Posted on Monday, May 11th, 2009 in Debt Management Software – Comments: (0)
  A simple and affordable way to get a handle on your finances while not requiring fancy software is by creating a Debt Management Spreadsheet in excel or any spreadsheet software program.The information you need to gather to effectively analyze your debts is the following: Due Date Creditor Name Total Amount Owed Minimum Payment Required Interest Rate Website Login InformationIf you compile all the information above, this will give you everything you need in one place to help effectively analyze and manage your debt situation.  You may consider adding all of your monthly bills to this spreadsheet (utilities, rent, mortgage, etc), and also do a similar exercise for your dictionary expenses (food, entertainment, etc) and establish a budget for each item to help control spending.
• Free Debt Management Software
  Posted on Thursday, May 7th, 2009 in Debt Management Software – Comments: (0)
  Throughout this blog, I will analyze various free debt management software tools.  Here is the first one I tested:Credit Federal Free Budget Calculator to help manage expenses. Also includes a Savings Calculator to determine interest earnings. I like this because it’s simple, and includes  several different calculators all bundled in one.  You can calculate your monthly budget, see how interest accrues when saving, and different loan calculators such as auto loans and mortgages.  This would not be recommended for managing cash flow long term, but its perfect for someone just getting started on trying to understand their current financial situaion.
• Podcat Alley Feed
  Posted on Tuesday, May 12th, 2009 in Freedom Debt Management – Comments: (0)
  My Podcast Alley feed!

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