Be very very careful when it comes to the issue of how to avoid paying credit card debt, because there is a very significant number of fraudulent companies out there that will have no hesitation about exploiting another person's misfortune and financial woes for their own personal benefit. They will provide too good be true solutions to the struggling credit card owner, that will do nothing more than land the credit card owner is hot water with the law. If you REALLY want to avoid having to pay credit card debt, then the best piece of advice that you will come across is (start dramatic drum roll now)....be financially responsible, live within your means and ensure that you avoid exacerbating current debt with additional loans.
I cannot stress the importance of ensuring that the full balance on your credit card is paid in full each and every month. Why? More than simply ensuring that you keep yourself organized, paying off the full balance means that no interest will accumulate or be charged to your credit card whatsoever. Too many of us have a nasty habit of impulse buying, meaning we splash out on things we cannot afford currently, and pay for on credit. Ensuring that you only ever charge what you can comfortably afford is another excellent way to ensure that you stay in the black, and do not need to worry about heavy interest rates.
If you have managed to get yourself stuck in credit card debt hell, then you may want to consider a debt settlement program which is whereby a professional 3rd party will negotiate with your creditors on your behalf, to ensure that both you and the creditors can reach a mutually equitable and agreeable solution to the outstanding debts. Debt settlement programs can also mean that a percentage of the initial capital sum is slashed.
If you are over $10,000 in unsecured debt you should at least consider getting a debt settlement. Creditors are scared about collecting on their unsecured debt and you as the consumer can benefit. Check out the following link to find the top performing debt settlement companies. Free Debt Advice.
Article Source: http://EzineArticles.com/?expert=Michelle_Messmer
12/19/2009
12/15/2009
Teaching Students about 0 APR Credit Cards
We have all been there. College life is an all new and different experience compared to high school. The freedom and lessons learned during this period of time is priceless, and there is no experience like it. We as parents give our children the opportunity to see what life is like without us, and experience life on their own; just a glimpse of course. Since we want them to learn independence, what better way to teach them this by giving them their own credit card, but not just any other card; 0 APR credit cards.
Freedom does not just mean our children can do what they want; it entails more responsibility and self reliance. The cards will teach them to budget their own finances and not go over budget, especially in today's limited financial fluidity. There is just not much to go by, and our children should also be aware of this.
In the past, students would go on a spending spree, when their parents grant them the cards, which did not make giving them the piece of plastic an ideal practice. Just like drugs, the first sense of freedom can prove to be a bit overwhelming. These days, parents can control their children's spending. Cards designed for students are equipped with parental controls and digital allowances; putting you in control and avoids the potential for disaster. 0 APR credit cards will teach our kids the value of money, and the value of spending wisely. Say goodbye to having a heart attack, once the bill reaches your door.
College is a time of learning. Not only do students learn lessons in their classrooms, but also the lessons of life in the real world and managing their own finances. Giving our children 0 APR credit cards will teach our children the value of money.
Most people are thrilled over the hype of getting 0 credit cards, but the main question is: does this really exist?
Yes, Just look around you for you to be able to spot those companies that offer 0% interest cards. Read our blog to find latest 0% interest credit cards and money saving tips at http://www.apply0creditcards.com
0 APR Credit Cards:
Freedom does not just mean our children can do what they want; it entails more responsibility and self reliance. The cards will teach them to budget their own finances and not go over budget, especially in today's limited financial fluidity. There is just not much to go by, and our children should also be aware of this.
In the past, students would go on a spending spree, when their parents grant them the cards, which did not make giving them the piece of plastic an ideal practice. Just like drugs, the first sense of freedom can prove to be a bit overwhelming. These days, parents can control their children's spending. Cards designed for students are equipped with parental controls and digital allowances; putting you in control and avoids the potential for disaster. 0 APR credit cards will teach our kids the value of money, and the value of spending wisely. Say goodbye to having a heart attack, once the bill reaches your door.
College is a time of learning. Not only do students learn lessons in their classrooms, but also the lessons of life in the real world and managing their own finances. Giving our children 0 APR credit cards will teach our children the value of money.
Most people are thrilled over the hype of getting 0 credit cards, but the main question is: does this really exist?
Yes, Just look around you for you to be able to spot those companies that offer 0% interest cards. Read our blog to find latest 0% interest credit cards and money saving tips at http://www.apply0creditcards.com
0 APR Credit Cards:
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