NEXT STEPS - A New Part Of The Crusade - Part 3
I am PUMPED about Next Steps, the newest division of IWBNIN ... you may need can be found on this page. Debt Reduction Tools Calculate your Debt Freedom Date and Actual Cost of Debt here. You can also use the Early Pay-Off Calculator to find out how much sooner [more...]
Date: 2008-10-29 08:00:29
Blog posts
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Videos
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debt reduction…
Debt can be a very stressful and even suffocating circumstance ... . Go to www.download.com and download a free program called the Debt Reduction Calculator for Excel 1.0; it will allow ... . Many people have no idea how to even go about tackling their debt and, consequently, their debt [more...]
Date: 2008-12-24 07:47:42
Loan Modifications Principal Reductions
How to calculate debt to income ratios or DTIRs for a loan mod I made this video to show you how to calculate DTIRs, which are the most important thing lenders pay attention to in determining [more...]
Date: 2009-01-07 13:27:51
The Greatest Offer For Those who Want to Receive Backlog Reduction Mortgage
These days the economy of the United States is breaking down ... your expenditures for the last half of a year and use debt calculator to realize your debt-to-income ratio ... increasing and the America encounter poor case. Debt elimination must be on everyone’s mind. With a not big [more...]
Date: 2008-12-14 23:31:59
Personal Finance Hard Truth Week in Review – It’s Almost Over Edition
The campaign is in its final days. I expect we will have six months or so before the next group of presidential wannabes begins making noises about ... of Debt Reduction and my post on Shouldn’t We Burn Credit Cards in Protest? Oh - that candy your kids ... a website that includes their amazing tax saving calculator. Apparently, you input your income [more...]
Date: 2008-11-01 13:34:12
Household Budget Calculator
Household Budget Calculator enlarge This spreadsheet is divided into three section, first section is the budget overview, ... - Debt Reduction Services (more…) [more...]
Date: 2009-01-14 15:48:01
Measure of Relief
The US government has several new student loan schemes to make debt less debilitating. ……… Daniel de Vise reports …………… Suzie Dundas is at that stage of life when student loans loom larger than car leases or electricity bills. The $390 monthly payments seem to stretch into perpetuity. They are her largest monthly obligation aside from her rent, which Dundas has decided she can no longer afford. She is about to move in back with her parents. [more...]
Date: 2009-09-06 11:04:18
Making the most of mortgage overpayments
By Rupert Jones Shock news: Brits are repaying their debts. For years we were Europe’s most credit-happy consumers, unable to resist the lure of super-sized mortgages and seemingly addicted to flexing our plastic – but now it looks as if we have caught the thrift bug. Bank of England data issued this week shows that, for the first time since records began in 1993, homeowners are paying back more on their mortgages than homebuyers are borrowing. [more...]
Date: 2009-09-07 01:09:47
Reduce Card Debt Quickly
September 14, 2009 | By Daniel Mikes In Finance | Having mounds of credit card debt is something that nobody wants to have to face. Luckily for you there are great techniques to reduce credit card debt and get back on top again. Many people have used this great guide to help them along the way, so take a look and see what you can find! There are tons of tolls and tips that you’ll need in order to cut up those visa cards for good! Card offers are sent in the post or email each and each day. [more...]
Date: 2009-09-14 15:41:04
Auto Loan Calculators
These days you can find lots of loans in the market and this has enabled every person in the world to fulfill his or her dreams like owning a car or a house. These dreams now-a-days do not seem to be far away since different types of loans are easily available in the market. However, under some situations the desire of purchasing a car or a house can suddenly turn into a terrifying incident if your monthly installments go beyond your expectations. [more...]
Date: 2009-07-23 17:23:24
Worst debt consolidation moves: Hiring Wrong Company
This is perhaps the fairy godmother fantasy. A Nice Big Debt Consolidation Company appears and claims they will turn your life so much comfortable. The consolidators will negotiate lower interest rates, slash your monthly payments — and the only thing you need to do is make “one easy payment.” Actually, many debt consolidators incorporate a fee as part of the payment you give to them each month. It is normally about 10% of the payment that becomes $50 on a $500 monthly payment. [more...]
Date: 2009-07-20 11:41:00
Secret Debt Tactics Revealed
by Dean Byler If you are even close to being in debt, you know it is not fun. There is a huge pressure for finding money for affording the monthly installment of your debt in addition to the money you should make for keeping the food on the family dining table. In the current financial crisis that has hit the entire world, it is hard to focus on making money as you also have to make sure that your job is secured for long term financial stability. Sound’s ominous does it not? And it is. [more...]
Date: 2009-08-01 04:10:27
Reduce Visa Card Debt Fast
Having mounds of Mastercard debt is something that nobody wants to be forced to face. Fortunately for you there are great techniques to reduce Mastercard debt and get back on top again. Many people have used this great guide to help them along the way, so have a look and see what you can find! There are loads of tolls and tips that you will need to cut up those visa cards for good! Credit card offers are sent in the mail or e-mail each and every day. If you find one ensure that you toss it in the trash. [more...]
Date: 2009-09-15 09:32:10
How Can I Reduce Visa Card Debt Now
Having mounds of credit card debt is something that nobody wants to have to face. Luckily for you there are great strategies to reduce Mastercard debt and get back on top again. Many people have used this great guide to help them along the way, so have a look and see what you can find! There are loads of tolls and tips that you will need to cut up those mastercards for good! Credit card offers are sent in the post or e-mail each and everyday . If you find one make sure that you throw it in the rubbish. [more...]
Date: 2009-09-14 15:27:00
Reduce Visa Card Debt Quickly
Having mounds of Mastercard debt is something that no one wants to have to face. Luckily for you there are great strategies to reduce Visa card debt and get back on top again. Many of us have used this great guide to help them along the way, so take a look and see what you can find! There are loads of tolls and tips that you will need to cut up those mastercards for good! Credit card offers are sent in the mail or email each and everyday . If you find one ensure that you chuck it in the rubbish. [more...]
Date: 2009-09-15 09:32:17
Get Out Of Debt The Smart Way
August 1, 2009 | By Dean Byler In Finance | by Dean BylerIf you even being in debt, you know it is not fun. There is the pressure of having to find money every month so that you will be able to pay the monthly installment for the debt, in addition to the money you should make for keeping the food on the family dining table. In the present recession hit economy, it is hard to focus on making money as you also have to make sure that your job is secured for long term financial stability. [more...]
Date: 2009-08-02 00:47:04
How Can I Reduce Credit Card Debt Now
Having mounds of Visa card debt is something that no one wants to have to face. Fortunately for you there are great techniques to reduce Mastercard debt and get back on top again. Many people have used this great guide to help them along the way, so take a look and see what you can find! There are plenty of tolls and tips that you will need to cut up those credit cards for good! Credit card offers are sent in the mail or e-mail each and every day. If you find one ensure that you throw it in the rubbish. [more...]
Date: 2009-09-14 15:34:25
Debt Reduction Secrets
by Dean Byler Being in debt is not fun. There is the pressure of having to find money every month so that you will be able to pay the monthly installment for the debt, in addition to making enough money to keep you and your family living ordinary lives. In the current financial crisis that has hit the entire world, it is hard to focus on making money as you also have to make sure that your job is secured for long term financial stability. Sound’s ominous does it not? And it is. [more...]
Date: 2009-08-01 04:10:17
You Can Reduce Your Credit Card Debt Quickly
Having mounds of credit card debt is something that nobody wants to need to face. Luckily for you there are great strategies to reduce Visa card debt and get back on top again. Many people have used this great guide to help them along the way, so take a look and see what you can find! There are plenty of tolls and tips that you will need to cut up those visa cards for good! Visa card offers are sent in the mail or email each and everyday . If you find one make sure that you throw it in the trash. [more...]
Date: 2009-09-15 09:35:44
Debt Reduction Secrets
August 1, 2009 | By Dean Byler In Finance | by Dean BylerIf you are even close to being in debt, you know it is not fun. There is a huge pressure for finding money for affording the monthly installment of your debt in addition to the money you should make for keeping the food on the family dining table. In the current financial crisis that has hit the entire world, it is hard to focus on making money as you also have to make sure that your job is secured for long term financial stability. [more...]
Date: 2009-08-02 02:47:52
Secret Debt Tactics Revealed
Secret Debt Tactics Revealed by Dean BylerIf you even being in debt, you know it is not fun. There is the pressure of having to find money every month so that you will be able to pay the monthly installment for the debt, in addition to the money you should make for keeping the food on the family dining table. In the current financial crisis that has hit the entire world, it is hard to focus on making money as you also have to make sure that your job is secured for long term financial stability. [more...]
Date: 2009-08-02 00:35:01
Get Out Of Debt The Smart Way
by Dean Byler If you even being in debt, you know it is not fun. There is the pressure of having to find money every month so that you will be able to pay the monthly installment for the debt, in addition to the money you should make for keeping the food on the family dining table. In the current financial crisis that has hit the entire world, it is hard to focus on making money as you also have to make sure that your job is secured for long term financial stability. [more...]
Date: 2009-08-09 16:03:09
Debt Reduction Secrets
by Dean Byler If you even being in debt, you know it is not fun. There is the pressure of having to find money every month so that you will be able to pay the monthly installment for the debt, in addition to the money you should make for keeping the food on the family dining table. In the current financial crisis that has hit the entire world, it is hard to focus on making money as you also have to make sure that your job is secured for long term financial stability. [more...]
Date: 2009-08-13 08:59:18
Debt Reduction Secrets
Debt Reduction Secrets by Dean BylerIf you are even close to being in debt, you know it is not fun. There is a huge pressure for finding money for affording the monthly installment of your debt in addition to the money you should make for keeping the food on the family dining table. In the current financial crisis that has hit the entire world, it is hard to focus on making money as you also have to make sure that your job is secured for long term financial stability. [more...]
Date: 2009-08-02 00:37:06
What To Do When You’re In Debt
What To Do When You’re In Debt by Dean BylerIf you are even close to being in debt, you know it is not fun. There is a huge pressure for finding money for affording the monthly installment of your debt in addition to the money you should make for keeping the food on the family dining table. In the current financial crisis that has hit the entire world, it is hard to focus on making money as you also have to make sure that your job is secured for long term financial stability. [more...]
Date: 2009-08-05 16:03:39
What To Do When You’re In Debt
by Dean Byler If you are even close to being in debt, you know it is not fun. There is a huge pressure for finding money for affording the monthly installment of your debt in addition to the money you should make for keeping the food on the family dining table. In the current financial crisis that has hit the entire world, it is hard to focus on making money as you also have to make sure that your job is secured for long term financial stability. [more...]
Date: 2009-08-10 07:08:00
Best Guidebook to How To Avoid From Being Bankruptcy
The Individual Voluntary Arrangement which provides an opportunity for the debtor struggling with personal loans or debts to make a payment proposal ... and consumer debt is one of the main problems faced by most of the families in UK today. Hence it’ ... is one of the most efficient debt reduction systems that are very popular in UK. The advantages of [more...]
Date: 2008-12-23 09:39:46
Asking Your Parents for a Loan
If you know that you will be asking your parents for a loan soon, there are some things you can do to make it more likely to happen. Whether you’re a teenager, in your twenties, or fifties, there are some ways to sweeten the pot for mom and dad, so they give you the money you need. Hey, nobody likes to be in a position where they need to borrow money from mom or dad, but sometimes, it just happens. Here are some easy things you can do to improve your odds when asking your parents for a loan. [more...]
Date: 2009-07-13 10:18:52
Learn More About Avoid From Being Bankrupt
The Individual Voluntary Arrangement which provides an opportunity for the debtor struggling with unsecured debts to make a payment proposal to ... is one of the most efficient debt reduction systems that are very popular in UK. The advantages of Individual ... and consumer debt is one of the main problems faced by most of the families in UK today. Hence [more...]
Date: 2008-12-25 10:50:20
Green Credits
Governments everywhere face the challenge of how to engage their citizens in a program of carbon emissions reductions. There have been two main approaches so far – carbon taxes and personal carbon quotas. We propose Green Credits, an alternative which is based on rewarding citizens after they have taken actions to reduce their emissions [more...]
Date: 2008-08-28 17:40:45
Shop For Groceries Online, Not Paying Off Credit Cards @ The Carnivals
free credit scores by telling us all about Credit Karma! Money Smart Life: Henry confesses to being a credit card expert with a secret. Gen X Finance reminds us that market conditions shouldn’t derail our investment strategies. With the current damage the market has done to our portfolios, can we really avoid being fair-weather investors? [more...]
Date: 2008-07-16 23:00:00
IRS Unveils Initiatives to Help Taxpayers in Financial Trouble
IRS changes offer relief to delinquent taxpayers. The IRS unveiled a series of initiatives Tuesday aimed at helping people who can’t pay their taxes ... and collection letters to taxpayers who recently lost their jobs, rely on income from Social Security ... the IRS to set up an installment plan. These plans allow taxpayers to pay their debt in monthly [more...]
Date: 2009-01-07 06:45:10
Study More About How To Keep Away From Being Bankruptcy
The IVAwhich provides an opportunity for the debtor struggling with personal loans or debts to make a payment proposal to their creditors is a ... systems. IVA is one of the most efficient debt reduction systems that are very popular in UK ... to people to avoid bankruptcy. The personal and consumer debt is one of the main problems faced [more...]
Date: 2008-12-26 04:55:47
Use Snowball Method Spreadsheet To Pay Off Debts [Snowball Method]
Do you have so many credit cards that you could sew a pair of pants from them? Confused as how to get rid of them? ... style of repayment you want, such as snowball or highest interest first. The program then spits ... Try this handy Excel spreadsheet to generate a custom strategy for becoming debt-free. Just enter [more...]
Date: 2008-08-26 11:13:53
Military Retirement - Special Tools for Planning
by Michael Geoffrey People in the military usually have a much different retirement plan than ordinary civilians so they should use a special ... . Most people in the military are members of a credit union and that is always a great source of information. Getting help at your credit union is a good idea because they have years of experience [more...]
Date: 2009-01-15 23:55:06
Confusing Consumption With Investment
People are now waking up to the fact that what that real estate investment guru was pitching at the seminar wasn’t necessarily an "investment": ... loan rate Purchase prepaid credit card Christian consolidation counselor debt Experian business ... and score Home improvement loan maine Debt consolidation services Credit report credit score [more...]
Date: 2008-06-24 14:10:35
Free Excel based Debt Reduction Calculator to Payoff Credit Card Debt
Works with : Microsoft Office, OpenOffice To start with this Free Excel based Debt Reduction Calculator, you first enter all your debts in this excel. You can specify all kinds of debts in this: Credit Card Debt, Auto loan, Student loan, personal loan, and any other debt. After that, you specify interest rate of each debt and minimum payment required to be paid for each. This is the minimum payment that you financial institution has stipulated for your debt. [more...]
Date: 2009-09-21 12:00:37
Carnival of Debt Reduction
Welcome to the Carnival of Debt Reduction. Below, you will find links to articles about debt, debt reduction, credit, credit management, ... quickly add up. Fix My Personal Finance has suggestions for dealing with credit card debt. Free ... about your debt free future. Frugal Dad suggests that it’s a bad idea to pay credit card payments if you can’ [more...]
Date: 2008-08-25 12:47:17
Carnival of Debt Reduction #151
Welcome to this week’s Carnival of Debt Reduction! Since this is Carnival #151 here’s a debt reduction example based on a credit card payment of ... !) He also submitted an article on collection agencies. Art of the Coupon explains how debt can breed ... months and $8,675.29 in interest to be rid of that debt — more than what was owed to begin [more...]
Date: 2008-08-04 08:35:02
Next Month Syndrome
There was a time when I was infected with a terrible condition – Next Month Syndrome When my credit card bill came in the mail, I would make a promise to myself - Next month, I’m going to do better. When I reached for my credit card to make ends meet, I would promise myself - Next month, I’m going to do better. When a friend would mention that he was living on a budget, I would promise myself - Next month, I’m going to do better. [more...]
Date: 2009-08-03 17:17:56
Back to Basics: Reduce your debt
Being in debt simply means that at one point you borrowed money to fund some purchase, and are now paying it back over time. (For the purpose of this post, I’m not going to lump in “profitable” or “good” debt that is used to make money reliably for the borrower through some other vehicle.) The debt can be, for example [more...]
Date: 2008-11-16 07:24:43
Ellie Kay on Nightline
Resolved to dig out of debt? It can be done but there's a right way and a wrong way to approach the topic, ... !Assess Your Debt -- Order your credit report for free at http://www.annualcreditreport.com/ and add ... ). It involves knowing how to talk to the person at the credit card company and being polite, prepared [more...]
Date: 2009-01-09 19:21:00
Debt Consolidation Advice Debt Reduction Plan
A debt consolidation loan is designed to merge different debts under one umbrella in a bid to help them be paid off in a more organized manner. Before you select a debt consolidation company, you need to get several quotes from different companies for comparison. A comparative analysis of various debt consolidation loan plans can help [more...]
Date: 2008-10-28 15:05:05
Free Debt Cures for 2009
Hello and Happy New Year! It’s New Year’s resolution time and one the biggest one is to get out of debt ... in credit card debt because I was always looking for ways to make more money. I’ve found a couple ... that will get you out of debt and relieve you of the financial burdens credit card debt has you in. Get back in control [more...]
Date: 2009-01-01 19:35:30
Get Real with Debt in 2008 Phase 2
Get Real with Debt in 2008 Phase 2 Posted in January 15th, 2009 Category:Debt Relief So you’ve done preparation work as set out in Phase 1, and it’s time for the meeting you scheduled with yourself as part of that process. The tools you’re going to need for this part of your debt reduction plan are: Current credit rating Monthly [more...]
Date: 2009-01-15 17:22:01
What's Behind The Mortgage Acceleration Phenomenon, Math, Science, Or Science Fiction?
By David Haslett What's behind the controversial use of mortgage acceleration software to facilitate an early mortgage payoff? ... . It seems that everyone has an opinion about these new mortgage principal reduction programs ... and other debt. The proponents of the mortgage accelerator programs claim that they will enable [more...]
Date: 2008-11-19 21:02:31
NY Times: China Cooling on US Debt
Ah, when it rains, it pours, We Americans get news that the US federal deficits are over the trillion mark even before Obama and Congress pull out the checkbook in an effort to buy some prosperity, when we also are told, via the New York Times, that China, our biggest creditor provider, [more...]
Date: 2009-01-08 16:41:53
Free Debt Snowball Calculator
Free Debt Snowball Calculator The debt snowball is a popular personal finance approach. The idea came out of Dave Ramsey’s The Total Money Makeover ... reduction calculator. Unlike most debt calculators, Vertex42’s allows you to choose different strategies, including the debt snowball, and see how they affect your payment plans. The calculator [more...]
Date: 2008-09-05 19:08:10
Debt Reduction Tools And Calculators
For those who are ready to get our of debt, here’s a list of debt reduction resources - Debt Snowball Calculator over at What’s The Cost – This free online tool will help you quickly create a debt repayment plan. iPhone and iPod Touch Debt Snowball Application – Created by Blunt Money , this application, which sells for $2.99, will help you create a debt snowball using your iPhone or iPod Touch. [more...]
Date: 2009-09-08 11:00:35
Paid Estimated Taxes, Who Sold Their Car? @ The Roundup
On Estimated Taxes The weekend was uneventful but we did have to pay our estimated taxes a few days ago ... out after reading about John McCain’s credit card liabilities. Over $100,000 in credit card debt ... month. Interesting bit here on the credit card habits of our political candidates. Five Cent [more...]
Date: 2008-06-16 16:02:44
