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Smart & Easy Guide to Debt Relief : How to Live Debt Free With These Credit S...
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N.º de artículo de eBay:365551488082
Características del artículo
- Estado
- ISBN
- 9781493571246
Acerca de este producto
Product Identifiers
Publisher
CreateSpace
ISBN-10
1493571249
ISBN-13
9781493571246
eBay Product ID (ePID)
175206784
Product Key Features
Book Title
Smart and Easy Guide to Debt Relief: How to Live Debt Free with These Credit Score Repair Tips, Debt Repair Advice, Debt Settlement Management and Credit Counseling Help
Number of Pages
50 Pages
Language
English
Topic
Personal Finance / Money Management
Publication Year
2013
Genre
Business & Economics
Format
Trade Paperback
Dimensions
Item Height
0.1 in
Item Weight
4.5 Oz
Item Length
9 in
Item Width
6 in
Additional Product Features
Intended Audience
Trade
TitleLeading
The
Synopsis
Today, more people than ever before are struggling to stay financially afloat. Our debt loads are higher than they've ever been, coming at a time when wages seem to be stagnating and the price of everything seems to keep going up. Being in debt can put immense pressure and stress on a family and for many, it can feel like there is no proverbial light at the end of the tunnel when it comes to getting out of debt. However, with The Smart & Easy Guide To Debt Relief: How to Live Debt Free with These Credit Score Repair Tips, Debt Repair Advice, Debt Settlement Management & Credit Counseling Help, we are provided a down-to-earth and realistic guide for how to regain control of our finances and begin to dig our way out of debt. It is entirely possible, with the right information and a good plan, to work down your debt and become debt free in a relatively short period of time. The guide discusses that the first step to becoming debt free is to take a holistic and clear assessment on all of your debts. This means creating a list of all your debts, who they are owed to and the terms of the debt such as interest rate and so on. You cannot come up with a plan of action until you know what all you are facing. This is also the time to obtain a credit report. You can obtain your credit report from the following agencies: Experian Equifax TransUnion Once you have your credit report, go through it thoroughly to ensure that everything on it is accurate. If something is inaccurate, you will need to contact the appropriate agency to get the issue fixed. After you have all your debts laid out, you need to get an idea of how much money you have and where it goes and use this to create a budget. The guide recommends creating a detailed spreadsheet of your spending to include even small expenses such as: Eating out budget Entertainment budget Magazines or other incidentals These should be tracked in addition to the big expenses like the mortgage and bills. When you begin to write all this down, you can already often see areas in which you can reduce or improve your spending habits. The savings that can be gleaned here can be put towards reducing and eliminating your debt. To create a budget for repaying your debts, you need to be realistic about what you can do. Take into account your earnings, vital expenses and any areas in which you could reduce expenses so as to put the savings towards debt repayment. You can use this figure to determine the amount of time it should feasibly take you to get out of debt. Once you have all this information, you can put a time-specific budget together that defines exactly how and when you are going to repay your debt. The guide recommends focusing on the debts with the least favorable terms (high interest rates, late payment fees, etc) first, as this will cost less money in the long run. For those with very serious debts or complicated debts, credit counseling our debt settlement may be a good option. The guide discusses what these options mean and who they are best suited for. Debt creates a huge strain and tons of stress on families and today, more than ever before, more and more families are finding themselves mired in debt they feel they have no hope of managing. With The Smart & Easy Guide To Debt Relief: How to Live Debt Free with These Credit Score Repair Tips, Debt Repair Advice, Debt Settlement Management & Credit Counseling Help, we are given the tools we need to take stock of our financial situation. Once we have done this, the guide shows us how to create a reasonable and realistic budget and plan of action that will culminate in the elimination of our debts and allow us the joys of being debt free. Grab your copy today of The Smart & Easy Guide To Debt Relief: How to Live Debt Free with These Credit Score Repair Tips, Debt Repair Advice, Debt Settlement Management & Credit Counseling Help, Today, more people than ever before are struggling to stay financially afloat. Our debt loads are higher than they've ever been, coming at a time when wages seem to be stagnating and the price of everything seems to keep going up. Being in debt can put immense pressure and stress on a family and for many, it can feel like there is no proverbial light at the end of the tunnel when it comes to getting out of debt.However, with The Smart & Easy Guide To Debt Relief: How to Live Debt Free with These Credit Score Repair Tips, Debt Repair Advice, Debt Settlement Management & Credit Counseling Help, we are provided a down-to-earth and realistic guide for how to regain control of our finances and begin to dig our way out of debt. It is entirely possible, with the right information and a good plan, to work down your debt and become debt free in a relatively short period of time.The guide discusses that the first step to becoming debt free is to take a holistic and clear assessment on all of your debts. This means creating a list of all your debts, who they are owed to and the terms of the debt such as interest rate and so on. You cannot come up with a plan of action until you know what all you are facing. This is also the time to obtain a credit report. You can obtain your credit report from the following agencies:ExperianEquifaxTransUnionOnce you have your credit report, go through it thoroughly to ensure that everything on it is accurate. If something is inaccurate, you will need to contact the appropriate agency to get the issue fixed.After you have all your debts laid out, you need to get an idea of how much money you have and where it goes and use this to create a budget. The guide recommends creating a detailed spreadsheet of your spending to include even small expenses such as:Eating out budgetEntertainment budgetMagazines or other incidentalsThese should be tracked in addition to the big expenses like the mortgage and bills. When you begin to write all this down, you can already often see areas in which you can reduce or improve your spending habits. The savings that can be gleaned here can be put towards reducing and eliminating your debt.To create a budget for repaying your debts, you need to be realistic about what you can do. Take into account your earnings, vital expenses and any areas in which you could reduce expenses so as to put the savings towards debt repayment. You can use this figure to determine the amount of time it should feasibly take you to get out of debt. Once you have all this information, you can put a time-specific budget together that defines exactly how and when you are going to repay your debt.The guide recommends focusing on the debts with the least favorable terms (high interest rates, late payment fees, etc) first, as this will cost less money in the long run.For those with very serious debts or complicated debts, credit counseling our debt settlement may be a good option. The guide discusses what these options mean and who they are best suited for.Debt creates a huge strain and tons of stress on families and today, more than ever before, more and more families are finding themselves mired in debt they feel they have no hope of managing. With The Smart & Easy Guide To Debt Relief: How to Live Debt Free with These Credit Score Repair Tips, Debt Repair Advice, Debt Settlement Management & Credit Counseling Help, we are given the tools we need to take stock of our financial situation. Once we have done this, the guide shows us how to create a reasonable and realistic budget and plan of action that will culminate in the elimination of our debts and allow us the joys of being debt free.Grab your copy today of The Smart & Easy Guide To Debt Relief: How to Live Debt Free with These Credit Score Repair Tips, Debt Repair Advice, Debt Settlement Management & Credit Counseling Help!
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- l***1 (1461)- Votos emitidos por el comprador.Últimos 6 mesesCompra verificadaGreat seller; book exactly as described in mint condition sold at a reasonable price; seller shipped item FAST, FREE and with tracking information, a must nowadays; seller shipped in tight, cardboard mailing envelope, which tightly fit over the book, preventing damage in shipment; good communication too; rate seller 10+++++Cuentos de La Habana Elegante, Brand New, Free shipping in the US (#364594098367)
- y***t (1853)- Votos emitidos por el comprador.Últimos 6 mesesCompra verificadaI purchase the Veterinary Assisting Fundamentals & Applications, Hardcover by Vanhorn, Beth on January 22nd and it took five days which was January 27th to confirm my order, provide a tracking . Once, that happend the textbook sat somewhere 4 more days before it was shipped , it was suppose to arrive Monday, January 3rd, Great seller. Great price, As described, Packed well.Veterinary Assisting Fundamentals & Applications, Hardcover by Vanhorn, Beth,... (#384492381860)
- p***l (818)- Votos emitidos por el comprador.Mes pasadoCompra verificadaItem as described. Poly mailer, no padding. Description clearly states delivery window of several weeks. Yet I chose this seller because item is new. Purchased/paid April 16, shipped April 28, arrived Maryland to SC May 5.This after contacting seller on day 10 to ask why it had not shipped yet. Slow return communication requesting invoice number/transaction date. Just be aware. IMHO eBay has sellers with faster, more efficient delivery service.
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Great Book Prices Store
96,5% de votos positivos•1,3 millones artículos vendidos
Registrado como vendedor profesional
Votos de vendedor (378.986)
- l***1 (1461)- Votos emitidos por el comprador.Últimos 6 mesesCompra verificadaGreat seller; book exactly as described in mint condition sold at a reasonable price; seller shipped item FAST, FREE and with tracking information, a must nowadays; seller shipped in tight, cardboard mailing envelope, which tightly fit over the book, preventing damage in shipment; good communication too; rate seller 10+++++Cuentos de La Habana Elegante, Brand New, Free shipping in the US (#364594098367)
- y***t (1853)- Votos emitidos por el comprador.Últimos 6 mesesCompra verificadaI purchase the Veterinary Assisting Fundamentals & Applications, Hardcover by Vanhorn, Beth on January 22nd and it took five days which was January 27th to confirm my order, provide a tracking . Once, that happend the textbook sat somewhere 4 more days before it was shipped , it was suppose to arrive Monday, January 3rd, Great seller. Great price, As described, Packed well.Veterinary Assisting Fundamentals & Applications, Hardcover by Vanhorn, Beth,... (#384492381860)
- p***l (818)- Votos emitidos por el comprador.Mes pasadoCompra verificadaItem as described. Poly mailer, no padding. Description clearly states delivery window of several weeks. Yet I chose this seller because item is new. Purchased/paid April 16, shipped April 28, arrived Maryland to SC May 5.This after contacting seller on day 10 to ask why it had not shipped yet. Slow return communication requesting invoice number/transaction date. Just be aware. IMHO eBay has sellers with faster, more efficient delivery service.