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Showing posts with label finance. Show all posts
Showing posts with label finance. Show all posts

Debt-less New Year

How I wish I could say that  I am going to be free of all my debts next year, but that would not be true for me. I have been wanting to heed professional debt advice because I am worried about how fast my credits are rising. All my credit card bills are still far from getting settled and I know I am going to bring all of them to the coming year. So as much as possible I want to make a new year's resolution which is to avoid, as much as possible, adding new debts to my already piled up debt list. I am going to concentrate on paying my old debts, change my spending habits. I will be willing to do everything to change my financial status.  

I hope all of those out there who are like me will do the same. Merry Christmas and Happy New Year everyone!
Saturday | 0 comments | Labels: , ,

Financial Freedom Awaits You Today


Faced with the financial crisis today many people resort to filing bankruptcy. A scary step for an individual or company to take considering its drawbacks. So how does bankruptcy work? Bankruptcy is a legally declared inability or impairment of ability of an individual or company to pay their debts. The filing can be done by the debtor, voluntary bankruptcy, or by the the creditor or involuntary bankruptcy.

But Bankruptcy is not the only way to manage ones debts, a better solution is debt consolidation, it entails taking out one loan to pay off many others. It is often done to acquire lower interest rate as well as fixed interest rate or for the convenience of servicing only one loan. An example of debt consolidation is the government debt consolidation loans which aids creditors and allows them to fuse all their debts into one and pay it at a lower interest rates. A better option indeed compared to filing bankruptcy. One can truly experience financial freedom amidst the rising financial crisis worldwide.
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Plastic Card Dilemma

Went to the mall today..hahahaha..after two weeks of avoiding of doing so my boredom left me with no choice..then my old habits of impulsive buying strikes again..i didn't really have enough cash to spend..from all the shopping i did for Christmas and new years...don't know if its a good thing or not that i have a credit card because it somewhat feeds the disease that i have...if ever i see stuffs that i like i couldn't usually prevent myself not purchase it..but i have to choose credit card accepting stores though..hahaha..as if its that hard to look for one..

And so i did..i did buy a couple of items..using my plastic card..i think i really need to seek professional help..because i might get myself into deep credit card trouble if i don't..its like ones you pop you can't stop, sounds familiar huh..buts its true..its only when you get your monthly statement from the credit card company that you'll get to realize how big your debt already..i looked for visa and mastercards payments solutions to help me manage my debts coz its really getting out of hand..not only that i once got myself into trouble with one store cashier..i wanted to buy one of their bags..i really like it, when i was about to pay for it (using my plastic card again) they told me that they don't process visa cards..how lame can they get..it really pissed me off..well i guess it wasn't really their fault in the first place..i was the one with the problem not them......
Monday | 0 comments | Labels: , , ,
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