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Dealing With Debt, Financial Stress & Family
Finding Serenity When Financial Stress Overwhelms You
Financial stress is common if you are forced into frugality because of a lost job, divorce, death in the family, or being over your head in debt, etc. This can lead to feelings of...
Debt Consolidation: Help Or Danger?
If you’re still in high school, as rich as Croesus or a favorite of Lady Luck, perhaps the term debt consolidation wouldn’t even ring a tiny bell to your ears. But if you’re like the rest of us, with a huge number of bills to pay month after month,...
HOW TO DOUBLE YOUR DEBT COLLECTIONS
Believe it or not the success or failure of your attempt to collect a debt is usually decided right at the beginning of your phone call - with the very first thing you say after the other party says hello. Knowing exactly what you’re going to say,...
The best strategy to erase credit card debt
The best strategy to erase credit card debt Credit card debt is a growing sickness in the United States and Europe. It is very important to eliminate debt and take control of your financial health. In the below section, I have listed the best...
Watch Debt Disappear
Hey, I'm just a regular person with regular day-to-day problems. Okay, maybe a few more issues than most but that's neither here nor there! I'm making a difference in my life with a great program that I found and I just HAD to pass it along to all...
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TOP 10 WAYS TO AVOID DEBT DURING THE HOLIDAYS
The Debt Trap: How Your Life Choices Impact on Your Financial Future
1. NEVER use your credit card if you don’t have the money in the bank.
2. WRITE one check in advance for the money you allocate for gifts, and write a
list of what you purchase and the cost of each purchase without exceeding the budget.
3. IF you can’t afford to buy gifts, bake or hand make crafts that don’t throw you
into debt.
4. DON”T rely on anticipated bonus’s or raises when making spending decisions.
5. WHEN purchasing gifts don’t try to keep up with the Jones’s.
6. DON”T carry too much cash since cash goes quicker when it’s in your pocket.
7. BE careful of
excessive telephone use, since it can create huge bills if you don’t
keep track.
8. GIVE several small gift certificates instead of one expensive gift.
9. GIVE of your time to help the less fortunate.
10. REMEMBER the true spiritual meaning of the season rather that the commercialism.
About the Author
Steven Taieb is a NJ State Bankruptcy Attorney. He has written an invaluable book titled, The Debt Trap that could save thousands of consumers the dreaded option of Bankruptcy. Steven Taieb has practiced consumer bankruptcy law for over 18 years and is one of ten lawyers in New Jersey certified by the American Board of Certification in Consumer Bankruptcy Law.
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