I did need more money - look at me now !

Need More Money?
How to Manage Debt.

"I come across people all the time who need more money, less debt or wish to repair their credit, whilst re-planning their finances, solving their money problems and managing the new life changes that have been forced upon them."  Mike Kelley, Career and Life Coach.
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Need More Money?
Do you need more money, help with debt?

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to increase your income?

Do you need credit counseling or consolidation?

Find your financial solutions here.
 
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Debt Consolidation: Debt Consolidation and Finance. (USA).  Debt management to reduce the time it takes to pay off debts
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uSwitch.com is the place to find the best credit cards. Use their free, impartial comparison service. 


 

Debt Consolidation IS NOT the only Alternative.

 

Need more money? Debt Counseling or Consolidation?

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Ten years ago, I was in debt to the tune of nearly £50,000.  I have been clear of debt now for over four years. The process was simple and mostly stress free. I DID NOT consolidate existing loans, I choose to have someone negotiate with my creditors.  This enabled  me to turn my life around, enjoy my children at weekends and start my own successful online business. Mike Kelley (First Impressions) owner of this website.

Be Debt Free: here's some valuable information on the solutions that can clear your debt 

 

Find information and advice here for dealing with money problems, credit card payments and loans plus alternatives to credit consolidation.

It is important not to panic about loans, card problems and consolidation issues, but it is also more important not to ignore them. For many credit card statements, can be heart-stoppers.

To pay off the your credit more quickly and efficiently, first and foremost stop using your credit cards. You are not going to make a dent in your credit until you stop making it worse.

If you just can not seem to help yourself you need to close the account.  Once you have stopped the financial bleeding, make at least double the minimum payment each month to start pushing the balance down. If you just pay the minimum amount of money, you are not going anywhere.

You will need to free up money to help pay down accrued credit, cut down on nonessential spending then apply the money you save to card bills.

If you are facing payment for more than one card, pay the highest-rate cards first.

Starting with a list of what is owed and the interest rate on each card.
 


Negotiate a Lower Rate.

Still need more money?  Phone each credit card company to negotiate a lower rate. Creditors will give customers with a good credit history a better rate to keep their business. Once you have rates as low , target the cards with the highest rates first, then work your way down the list.

Look out for late payments. Creditors may tag payments received even one day after the due date with late fees as high as £20 or £40, and some companies may raise the interest rate on a card if payments are in arrears. Fees may also be large for accounts charged over the limit.

 

Consider Loan Consolidation

Still need more money? Be sure to read the small print, avoid applying for too many new cards. Too many enquiries made into your credit history can be a problem and hurt your credit score.

If you are having trouble meeting payments, talk with your creditors before you start incurring over the limit or late fees. They may be able to help.

Whatever you do, do not ignore the situation.
You can get free help and advice from your local Citizens Advice Bureau or Trading Standards Department on credit consolidation and the alternatives. Some will have a Money Advice Centre which deal specifically with financial problems.
 
Another source of free advice and problem solving is the Consumer Credit Counseling Service (0800 138 1111), a charity which offers to liaise with creditors on your behalf and also provides counseling sessions to help you.

National Debtline (0808 808 4000) offers a similar service, but will advise callers how to help themselves, rather than act as an intermediary.
 
 

Insolvency

Still need more money? Consider Insolvency. The definition of insolvency is the inability to pay debts as they are due, even if the total assets of a company exceeds total liabilities, the entity is insolvent if the assets cannot be converted into cash to meet the current obligations. The condition of being insolvent; the state or condition of a person who is insolvent; the condition of one who is unable to pay his debts as they fall due, or in the usual course of trade and business; as, a merchant's insolvency. Insufficiency to discharge all debts of the owner; as, the insolvency of an estate. [1913 Webster].

Links:
How to make yourself insolvent: Insolvency often leads to bankruptcy. This is as a way forward, and can be a faster way to clear insolvency.

> Be Debt Free <

 

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"Need more money" is provided by Mike Kelley, Life and Career Advisor and CV Writing Expert.
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Follow the advice above and you will no longer need more money.