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With so many people struggling just to make their minimum payments today, there is more and more need for some sort of help and loans for dept consolidation is one of those options.
Now, before you run off to your local bank branch to apply for loans for dept consolidation there are some important things you need to take into consideration.
For one thing, if you have a long history of not being good with money and getting in over your head, the thing that you should do before you get a loan is to get some financial counseling. You need to make sure that you can handle your money or you will just continue to repeat the same financial mistakes over and over again.
It is important that you carefully think the whole process through. For example, if you are bad with money and don't have a lot of self control and you tend to rack up a lot of credit card debt, you should hold off on getting a loan to consolidate your debt.
If you are bad with money and you get a loan you may actually end up with much bigger problems. If you get rid of your debt with a loan only to go out and rack up more debt not only will you have to pay your "new" debt you will also have to make payments on your debt consolidation loan too. You will have twice as much debt to pay off.
Another thing you need to remember is that, just like with any type of loans, you will have to have a pretty good credit score if you want to get a loan. No bank will even consider you for a loan if you have bad credit.
It does sound a bit odd, I know. The idea that you can't get a loan to get rid of some debt because your credit is bad, but that is the way it works.
If you have these issues and just can't get a loan you still do have some options. The best one is to pay off this debt yourself. It will take time and it won't be easy but if you want to do it badly enough you can do it.
It's actually pretty easy to do. Just make a listing of all your monthly debts and expenses and figure out how much money you have left over at the end of every month. All you have to do is add that amount of money to the minimum payment you make on your smallest debt.
If you do that every month until you have the smallest debt paid off you can repeat the process over and over again until you have all the debt paid off. Like I said above, it will take time and it will take a lot of discipline. As long as you can stay on target and continue to pay off your smallest debt first, you can be debt free all on your own with no additional loans.
There are loans for dept consolidation that may be able to help you out, or you can do it yourself. Whichever option is best for you, it is nice to know you have options.
Do you know what information is important to protect so you do not become a victim of identity theft credit card fraud? I guess the first answer is obvious, your credit card information. Your statements come in the mail right?
So what you want to do is get to your mailbox as soon as the mail carrier delivers, if possible. Believe it or not there are people out there who will steal mail from your mailbox to get your information. Yup, I'm not kidding they will go to any lengths to get someone's information and use it for their own benefit. Unfortunately it is to your detriment.
Learning how to prevent identity theft credit card fraud in the first place can and will save you a lot of time, effort and money in the long run. If your identity does get stolen the first thing you need to do is contact all the credit card companies that you hold a card with and get a fraud alert put on them or cancel them all together and have the card companies send you new ones. Go over your statements and dispute any unknown charges you find. You are not responsible for any charges not made by you.
Next, call the credit bureaus and file fraud alerts with them. I think that if you just contact one they will let the other two know there is an alert filed and the proper steps will be taken by the other two as well. Have them send you a copy of your credit report so you can see what's been going on with your credit and immediately dispute any and all unknown accounts. If you keep up to date with your credit report then you can head off any potential problems before they become big problems.
So what other information is high risk for theft? Your social security number is a big one, bank account information and any PINs or passwords to these accounts. Do not keep PINs or passwords to your cards or accounts anywhere near the card or other account information.
Make it as hard for someone to steal your identity as possible. Do not keep your social security card in your wallet. Store it safely at home where you know where it is in case you need it. Otherwise just memorize the number. Keep things as simple as possible then you will not have to worry.
Do not throw out important sensitive documents like bank statements in your trash. Like I said thieves will go to any lengths to get your information and going through your trash is no exception. Disgusting, I know but they do. So do yourself a favor and buy a crosscut shredder and shred every piece of paper that has sensitive information on it. I do not care if it is just your phone number, shred it.
Do not forget about the internet. The internet has made identity theft so much easier these days. Hackers can and will do anything they can to get your information. Do not use any unsecure sites for shopping or give out any information like your social security number or credit card number unless you can verify that the site you are on is secure. Identity theft, credit card fraud is more prevalent during the holiday season so be extra careful when you are out there in the trenches doing your holiday shopping.
The history of marriage has its origins as least as far back as antiquity and evidence of marriage traditions and ceremonies have existed among people of almost all cultures. While today when we think of marriage our thoughts turn to notions of love and romance, this has not always been the case.
The marriage in the earliest times had little to do with notions of romantic love and more to do with survival. It is believed that the earliest weddings were group events, designed to join together different tribes into a larger family to support and protect each other. The practice of paying a dowry to the family of the bride or the groom, which could include land as well as other types of property, has served throughout the history of marriage to ensure property rights among kinship groups.
Rules governing whom one could marry have existed throughout the history of marriage, and religious and civil law have contained restrictions that have limited marriage options, and intermarriage within a kinship group has often been forbidden. Many countries today continue to enforce laws that prohibit marriage between certain relatives.
Throughout the history of marriage, the majority of unions have been arranged, where the parents have selected whom their children will marry. While the tradition continues in some cultures today, most modern marriages are based on romantic love, with couples deciding freely to marry.
Many of the traditions surrounding contemporary weddings can be traced throughout the history of marriage. Wedding rings date as far back as Egyptian society, where the circle symbolized eternity. The Egyptians’ belief that the fourth finger of the left hand was connected to the heart established the tradition of wedding rings being worn on that finger.
The multi-layered, highly decorated cakes that are common today are a recent addition to the wedding ceremony, first becoming popular around the late nineteenth century. They replaced the loaves of bread that were historically broken during the wedding ceremony.
The tradition of bridegrooms in the wedding party is said to have its roots in the era of very early history when a man would rely on his friends to abduct a woman from her family for his bride. The practice of bridegrooms and bridesmaids dressing alike is a long-standing one in the history of marriage, based on the superstition, which holds that evil spirits might wish harm on the couple and the similarity in dress would confuse them.
While we think that white wedding dresses have always been popular, the tradition is a recent one in the history of marriage, with its origins in 1840, when Queen Victoria wore a white gown at her wedding to Prince Albert of Saxe. By the turn of the twentieth century, most brides in western cultures embraced the white wedding dress.
Many people of many cultures have embraced ceremonial symbols practiced in ancient wedding ceremonies today. The marriage ceremony in Bali includes the couple eating a dish of yellow rice, a symbol of fertility, and in the West rice is thrown at weddings to wish the couple fertility, prosperity and luck.
Common law marriages, defined as when a couple lives together without obtaining a marriage certificate, have been recognized throughout the history of marriage. Some governments continue to recognize common law marriages after the couple has lived together for a certain amount of time. Most governments today, however, require that couples register their union and obtain some type of marriage certificate as legal proof of their relationship.
So while we can see, while much has changed throughout the history of marriage since ancient times, many of our contemporary traditions have deep historical roots.
Every marriage hits a rough spot occasionally. And while not every marriage should attempt to be salvaged, a great many more than are saved today should and can be through concerted efforts. So, the first step in avoiding divorce is recognizing that the fact that you have come to this point in your relationship is not unusual, but it does indicate that something must change if it is to survive. But before you go through a mental litany of everything that needs to change as justification for giving up, realize that there is help out there and if you are willing to put in the time and commitment, you can make your marriage work even when it seems that you and your partner have reached the end of the road.
Marriage Counselling
Marriage counselling can be a very effective instrument in putting a marriage that seems to be going down the divorce path back onto the right track. Counselling helps couples to identify the root of their marital problems and solve them with a little help from a professional counsellor trained in mediation. Finding an effective marriage counsellor, however, requires a bit of work on your part. Many counsellors will offer a free consultation. Ask for recommendations from friends, but in part you should call 10 or so counsellors, ask for their price packages ahead of time and then schedule consultations with the 3 or 4 that meet your pricing needs. Make sure that when you go into these consultations you grade the effectiveness on how BOTH you and your spouse feel about the individual.
Self Help
There are also many self-help tools available in the market today. There are some excellent books and articles on how to make marriages work, how to re-ignite the spark in a relationship and how a few simple steps can bring back the love in a relationship that had turned hateful. Both partners can get a lot of inspiration, advice and ideas on how to make relationships work from such books and articles. You can even find help when you think there is infidelity in your marriage. There are books and articles out there, which tell you why people cheat or stray out of line and what you can do about it.
The common thread in all of these self help guides is communication and understanding. By making an effort to understand where your spouse is coming from, and them where you are, and then making compromises and communicating, most marital problems will become alleviated.
Resorts
Then there are many resorts that are specially designed to create an ambience which is conducive to romance. These vacation packages are easy to find and require only that you be on the look out. The point of these resorts is to reinvigorate a relationship by introducing some of the passion and spontaneity that over time can be watered down by obligations and daily responsibilities. These events attempt to eliminate outside stresses so that you can focus on your spouse, and in so doing rekindle the love you feel for one another.
All in all, if you are willing to put in your best efforts to stop your marriage from slipping away, there is now help at hand and you need not have to fight alone. By utilizing the tools of counsellors, self help and resorts you can go a long way to giving your marriage the best chance for survival. But beyond survival, these tools can help ensure you a happy lifelong relationship.
Budgeting is the answer to your problems on financial matters. Living payday to payday, failure to eliminate debts and other financial problems are quite common. Fortunately, you can try a better way to manage your money with budgeting software.
Budgeting software is an automated solution nowadays that will help you keep a systemized maintenance of your budget. By using budgeting software, you can track your income and outcome. Credit cards make it easy to spend on impulse but by using a good program, you can reduce your expenditures because you can analyze your financial situation with ease.
Budgeting software provides you with income statement, balance sheets, cash flow and other budgeting requirements to your computer. All you have to do is simply encode the necessary data which includes income, investments, and expenses related information.
This organized system unifies money management for you with strategic planning, forecasting, legal consolidation, reporting, analysis, dashboards, and predictive analytics and not mere budgeting alone.
Strategic planning offered by business budgeting software creates goals and financial targets that reflect trends and forecasts in the market. It will allow you to easily compare and choose initiatives that will bring about good results.
Budgeting and planning are the main features of budgeting software, as the name itself implies. It produces recorded budgets that are detailed and accurate.
Budgeting software guarantees timely and accurate data manipulation, analysis and management of the budgeting process. Most budgeting software allows you to customize according to your budgeting needs. Templates are ready to be personalized to allow specific solutions to be developed.
Budgeting software offers graphs and charts regarding how you are doing financially that are easy to understand.
You will be amazed with how well budgeting software works in an organization where multi-usage is possible. Companies can easily collect, organize, document, tabulate and report on details of the budget. The budget is thereby easily reviewed, negotiated, modified and managed for approval and implementation.
Budgeting software simplifies spread sheets so you know exactly how much you have money left to spend. With it, you will quickly understand the impact of your spending habit. It effectively helps you in every step you should make to improve your finances. Simple reminders on paying your utility bills and credit card bills on time, and updating you on your savings account are very helpful features of budgeting software. Without a good system, your bills can pile up and you find yourself jolting out of complacency when it is time to pay them.
Debt problems are another obstacle that blocks your financial freedom. Getting out of it is not impossible. As soon as you record in details your financial situation, the software will guide your way out of the debt trap you are trying to get away from.
Budgeting software companies offer technical support and promises that mathematical problems about budgeting are a thing of the past.
Budgeting software empowers individuals and organizations to plan, analyze and manage money in real time for better performance. You will learn that financial freedom does not come from having a large income but by managing your hard earned money well. If budgeting on your own is difficult, you can make it easier by using any of these high tech money management discoveries.
Use technology to your advantage. Budgeting softwares are available for purchase online.