Finding Reliable Get Out of Debt Information

Living in debt to other people is no way to live your life.

You need to figure out how to find reliable getting out of debt info. The debt is mounting (so is your stress level) and you need a way out, fast. There are many, many, many reliable sources out there you can access for information on debt relief.

First and foremost there is the internet, with its wealth of information just a click away you should be able to find what you are looking for without too much trouble. There are numerous sites offering articles, blogs, and even videos on the subject. You don't even have to be very good at using a computer.

Your local library is another excellent source of reliable information. Search the card catalog for books by reputable authors with credentials you can trust. If you don't have a library card just go in and get one, they are free.

Talk to someone who has been in your shoes like a trusted family member or friend. They should be able to steer you in the right direction because they've already been through what you are going through now.

Magazines and newspapers can offer informative articles on debt in today's society and how to get rid of it so you can learn how to live debt-free.

Especially in this economy, you are not alone in your search for reliable getting out of debt info.
When making the decision to talk to a debt consolidation company, there are guidelines you can go by to make sure the company is reliable.

Non-reliable debt consolidation company:

1. If they ask for payment up front before they have even done anything, you need to keep searching. Don't get caught up in a scam. It will end up costing you more than money.
2. Be wary of companies that promise you everything under the sun. Most of the time they forget what they've promised and can't deliver the goods.
3. Never sign anything before you've been told just exactly what the company will do for you and how they will do it. This is called "full disclosure" and if the company balks at giving you this getting out of debt info. RUN.

Reliable debt consolidation company:

1. Contact the BBB (Better Business Bureau). If you get a favorable report, you're one step closer to finding the company you can work with.
2. The company gives you clear, concise reports on where your payments are going each month, so there is no confusion.
3. Do they provide counseling services to assist you in learning better money management skills?
Doing thorough research before deciding on a debt relief company can and will save you a lot more than money, it can help keep your sanity.

Too many of these companies prey on your fears with exaggerated scare tactics that lure you in and ultimately saddle you with even more debt. You cannot make an informed decision without receiving all of the company's getting out of debt info.

Start today and get out of debt as soon as possible.

Top Ways to Save Money When Building House

How to avoid heartache when Constructing your dream House.

Building a new home can be expensive, but with these tips, you should be able to keep the costs down.

Building your house from the ground up can be a remarkably rewarding experience.  It gives you the chance to tailor your home to suit your tastes and to adapt to your family's needs, both today and in the future.  Building a house doesn't have to be a gruelling process, though.  Going through the process with your eyes open and with a company plan can save you heartache along the way.  Here are our top tips to save money during the building process.

Get Your Building Plans in Order to Save

Be sure you meticulously plan the specifics of your house.  

What will the flow and layout of the rooms be? 

What type of lighting will you use?

The number of power plugs and types of sockets (Regular plug or USB) are you going to put in (tip: you always need more than you think)?

There are a lot of useful tools for planning out the design of your dwelling.  Sites and software programs that allow you to create mock floorplans.  When in doubt, good old grid paper will do the job as well. You will also need to start keeping an eye on layout ideas that inspire you, which you want to emulate. 

Special Tip: Consider starting a Pinterest board for every room of your home to file away illustrations of your favorite designs.  In addition to helping you plan, they will be a terrific point of reference to show your builders once construction is underway.

Building a home will be an expensive procedure.

It's likely you'll end up paying more than you expected.  That having been said, there are ways that you can save money.  Shop around for the best prices on fittings and fixtures, and on the materials, your builder will use.  Get multiple quotes for any item needed during the building procedure.
One great way to save money at the outset of the process is by picking a site that requires less preparation. 

Hauling off dirt, removing stones or clearing brush is a costly part of building a home.
By Picking a lot that needs little preparation before construction commences can minimize these costs.

Become an owner-contractor if you're searching for deep savings, you could consider taking on the role of the proprietor.  This means you would handle the logistics of the home building process.  This doesn't necessarily require expertise in home construction, but it will require plenty of your time and some serious project management skills.

Saving money when building a home is possible you just have to have the time to do all the leg work.

Things to Stop Buying to Save Money

Ok, you're looking to save money. You have finally realized you're tired of making other people richer.

That is great!

So where do you start?

The number one thing to stop buying to save money is:

Cable TV!

Look first at monthly bills. Cable TV needs to go anyone paying for DirecTV or any other cable company truly needs to have their head examined. These cable companies are using you as a giant ATM machine. You pay them a high monthly bill just to have channels of worthless shows to watch. The cable companies like DirecTV then sell ad's (commercials) some cable companies use your private information to narrow those ad's down charging companies more money!

Not only are you handing them a check month in and month out but they are using your data to sell ad's and make more money.

Drop the expensive DirecTV service and buy a small antenna.

How much TV can you watch?

Couldn't your time be better spent than watching TV?

 Think of all the things you could have accomplished in the time you watched Grey's Anatomy! FYI you can watch Grey's Anatomy free with an antenna. Well, Chris, I watch it on the DVR service that I pay for to my rich cable company. FYI there are inexpensive over the air DVR systems we will discuss in a later article.

The #1 "Things to Stop Buying to Save MOney."

Is cable TV!

How to Save Money as a Single Mom

What to watch for and how to save money as a single mom.

Many manufacturers provide mail-in rebates to encourage customers to purchase their merchandise.  The way that these rebates work is you need to pay the entire cost for the item when you buy it.   But you'll be stunned at how many men and women don't get around to sending in the data due to their rebate. 

Most suppliers have a set timeframe so it's a fantastic idea to acquire the data in a folder. Then fill everything out as promptly as possible.  Mom's and Dad's mess out on a lot of money by not completing the rebate process.

As it may take weeks to receive your rebate in the mail, it's a great idea to maintain a record of the rebates you've sent in.  Always make a copy of the rebate info and the reception before you mail it in.

The sums of rebates will vary but should you consider the typical rebate is about $25. That's a lot of money that customers are not benefiting from.  It's a great idea to always follow through on them as this money can really benefit single mom's.  Otherwise, you're just throwing away your money.

Each rebate procedure might be marginally different, Make sure you take some opportunity to read all of the info which accompanies it.  You do not need the frustration of waiting patiently for 60 days to find the rebate simply to acquire a letter rather that states you are not qualified because you neglected to supply some part of the requirements or your rebate was not completely filled out.

It's also a fantastic idea to do it as soon after you buy an item.

Haven't heard from them after 30 days then you might want to follow up on the rebate. This will not occur very often but it's extremely important that you follow up.  If you just bought the product at the price provided due to the price than it's even more important for you to get it.Getting your rebate shouldn't exceed 60 days.  If you do not have it contact the corporation.  Ensure that you record all of the info about if you called and who you talked to.

Keep Good Records

It's very good to have a log of the information so that in the event that you would like to pursue obtaining the rebate by additional ways it is possible to back up your data.There are a few of good sites you can use to keep track of your lien or you can use a simple excel worksheet. 

Nearly all company's who provide rebates do honor them.  There are loads of companies that do look ahead to the unclaimed rebates even though because at least 40 percent of these never get registered by the customer. As a rule of thumb, however, I would not recommend basing your buy on a rebate.

Saving Money as a Single Mom Might Require Your Personal Information

 If you do not wind up with the money then the item price you more than you were ready to cover it.  As you await the rebate procedure to be finished you will have the reduction of the extra money that may be allocated to something different. You also need to be ready for rebates to request your personal information such as your name, address, contact number, and email address.  This may lead to you getting promotions and coupons which can save you more cash later on.  But, they could lead to you becoming bombarded with offers by the producer which you aren't considering. 

Debt and Life in General

Debt is debt no matter how you look at it. There truly is no good debt. Through our analysis, we've discovered that there's a normal pattern of incidents surrounding most peoples financial problems. 

1.  You have a job (Just Over Broke), which you're linearly getting compensated for. You trade hours of your life for a set amount of money.

2.  You feel comfortable set in a routine and consequently take out loans to purchase a house, car or even worst items like clothing

3.  Then you lose your job. Which sends you into a downward spiral. You end up finding another job for lesser pay.

4.  The debt which they have obtained then begins eating away at what money was left over at the end of the month

5.  You then borrow additional cash to help prop up the Current debts, typically with credit card spending.

Sound familiar?

There are likely a few of you reading this thinking 'What's he referring to?'.

Rest assured that there are people reading this right now with just undergone this life scenario.

That is the reason debt is bad is the majority of us worker bee's trade time for money. We work years getting little raises only to have major corporations like AT&T, Sprint, and Verizon to name a few to have layoffs. Yet they hire people in another area to do close to the same job but with a different title at lower pay.

Working for these and many other corporations is a gamble. After spending your life being loyal to a company only to have them yank the carpet out below your feet.

Two major takeaways

Never rely on one stream of income, especially from a major corporation. Two don't go into debt. If your debt free and have put away for a rainy day you can live through the changes you might encounter.

Frugal Wiz - Show me the Money

It really amazes me when I hear people say it is just $1 or $5.  If only I had that money every time they say that I would be rich.

People need to realize how that money adds up quickly.  That money could be added to a savings account building a emergency fund.  We all need a emergency fund.

Adding $10.00 a week to a emergency fund is an important step to financial freedom.  If you don't touch it at the end of the year you will have $540.00 which is a great start.  This could help out in a pinch if you need car repairs or home repairs done. 

Nothing ever goes as planned. Hence the reason everyone needs a emergency fund.

The majority of people could avoid bankruptcy if they had set aside a little money for a rainy day. A good number of people out there are living paycheck to paycheck. And any expensive car repair could put them into bankruptcy. Not to mention unexpected medical emergencies, appliances that stop working, getting laid off from a job, a long illness or an accident. You use an emergency fund for any cost you cannot anticipate.

Avoid letting unanticipated costs or happenings from putting you in financial ruin. You can build an emergency fund by following these simple tips.

Your goal for your emergency fund should be 6 months of your present take home money.  So whatever you earn in a 6 month period (this is take home pay not before taxes) should be your goal to save.  Having money in the bank to cover your needs (food, shelter and clothing) will be a relief when it is built.

Then take the above number and set goals with date.  When will you save $1000, $2000 and so forth.

Always put these funds in a savings account or money market account that can be accessed but not to easily.  You want to make sure your never tempted and never keep these funds mixed with your bill paying funds.

Make sure to check out online banks and credit unions for locations to stash your emergency savings.  They usually pay more than the big banks like Bank of America and Wells Fargo.  

Setting up a direct deposit from your paycheck into your emergency fund account will help you build your fund and set the tone of paying yourself first.

You do need to make a monthly budget to make sure you keep enough for true expenses.  Dining out and a morning latte should be the last thing you spend money on.  Make sure your savings always takes priority over these.

Rome wasn't built in a day, and neither will you emergency fund.  Any action you can take to begin an emergency fund will do you good. Don't be troubled to start with a small amount.  Then try to increase it whenever possible.

The best way to really kick your emergency fund off is by saving and putting away your tax return.  Millions of people get returns only to blow them on items that aren't necessary.  Even if you don’t take it all you should be putting some of it away or using it to pay off your debt.  Once you have paid that debt off though take the monthly payment from it and use it to build your emergency fund.

Start off the New Year on the path to financial freedom and get saving today.

Color Rubber Bands Bracelets Loom

Where to buy those color rubber bands for bracelets and loom.  I was amazed how much fun my kids had with these little rubber bands.  My daughter was the one who got the loom for Christmas and she has spent many hours making all kind of things with it from rings and bracelets.  Well I was a little amazed when my 8 year old son was jealous of this present for my daughter and could see he wanted a chance to make his own bracelets and rings.

Well not many bands come with the loom kit and my kids of course wanted different colors.  We happened to got to Target that day for some other items and I was blown away at the highway robbery they were charging for the color bracelets.  Over $6.00 for a small bag of one color!  Wow what a marketing marvel the rubber band industry had though up.  I just could bare myself to buy these at that price for only one color that is when my daughter asked about Michael's Art and Crafts store.  I told her that was a great idea as it wan only a few stores down the way.

We got to Michael's and guess what to my surprise the first isle stand right inside the door was loaded with these color rubber bands for bracelets and they had the loom kits right next to the bands.  There were numerous colors but the good new was the the bands were only about $3.00 a bag.  I told them they could pick out four bags.

We got home and those little rubber bands kept my kids busy for hours build those bracelets and rings.  My son actually did them by hand and my daughter used the loom kit.  Anyway they went through those color rubber bands in nothing flat so I started doing my research and found where to buy those color rubber bands at a discounted price.  Check it out they sell 3 bags for a hair less than $6 that is 1800 bands.

Hope this helps you save money and gives your kids many hours of enjoyment like it did mine.