Category Archives: Debt

3 Best Financial Planning Tools for a Secure & Debt Free Future

Posted on March 30, 2011 by Andy

It is always hard to ignore the necessity of managing your finances. In reality, financial planning is the only highway to a secure future. It helps you to get smarter with your money and avoid debt. People who are casual … Continue reading →

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Final Installment on Preparing to Negotiate a Better Credit Card Interest Rate

Posted on March 16, 2007 by Brett

This is our seventh and final installment in our series designed to help people prepare for a phone negotiation with their credit card company to reduce their interest rates and save money in the long run. Our final three points … Continue reading →

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Organizing All the Angles before Negotiating a Better Rate

Posted on March 14, 2007 by Brett

Last time we discussed the benefits of rebalancing your debt load. This time we need to take a half step back and employ a very useful tactic. Three Way Negotiating Dynamic in Your Favor Before you actually transfer a balance, … Continue reading →

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Credit Footprint Improvements Prior to Rate Negotiations

Posted on March 12, 2007 by Brett

This is our fifth part in our series describing the steps that you can utilize to prepare for a future Credit Card Rate Reduction. Today we are going to focus on three areas. Reviewing your total footprint on the credit … Continue reading →

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Paying Down Debt Positions a Better Rate Negotiation

Posted on March 7, 2007 by Brett

Last time we mentioned that your credit card rate negotiation will benefit from paying down your debt and boosting your income. Now its time to cover the obvious step that every body hates. Stop Spending So Much It’s the discretionary … Continue reading →

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Credit Curb Appeal for Credit Card Rate Negotiations

Posted on March 5, 2007 by Brett

As we continue to look at the ways to better negotiate your credit card rates, today we are focused on some very basic steps to take. You want to look good to the credit card companies when you call so … Continue reading →

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Prepare Before You Call Your Credit Card Company for a Better Interest Rate

Posted on March 2, 2007 by Brett

A few days ago we prepared an article providing the useful tip that it only takes a little negotiation to get a rate decrease on one or more credit cards. Since then we have received several requests to elaborate on … Continue reading →

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Lump Sum Credit Card Settlements – The Downside

Posted on February 21, 2007 by Brett

Many people are sometimes able to avoid bankruptcy by negotiating a settlement with their credit card companies. On occasion when your finances are in tough shape you may find yourself negotiating a lump sump debt settlement on your credit card. … Continue reading →

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Nations In Debt: It’s Bad and Getting Worse

Posted on February 12, 2007 by Andy

Sometimes when we think about debt we think directly of some small country in Africa with public debt over 100% GDP, but we shouldn’t be so hasty to look elsewhere. Debt is a problem that rings true very, very close … Continue reading →

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Second Stage Of Getting Out Of Debt: Stop Spending

Posted on December 1, 2006 by Andy

Now that you have acknowledged that you are in debt, the second stage of getting out of debt is planning your escape.  Don’t take it lightly, I mean escape when I say it.  Debt is such a heavy burden to … Continue reading →

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