Author Archives: Everette

What Does Debt Mean To You?

The very word “debt” is enough to bring fear to a great number of people, suggesting as it does a range of worries from being unable to make mortgage payments, keep a car on the road, take holidays and even, for some people, to eat three good meals daily. There are of course several different kinds of debt, and it is not necessarily a given that debt will always lead to financial meltdown. The key thing to remember is that debt should always be manageable. There are […]

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How Debt Can Ruin Your Life

Most of us, at one time or another, have looked at an item and thought “That would make my life so much better – now if only I had the money to buy it“. Credit is the solution used by many people in this dilemma. In many ways, it is as though a bank were saying to the person “No problem, you can have that item. I’ll pay for it now, and you can pay me back over time”. In this, the bank is acting as the […]

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The Risks of Living On Credit

It is always difficult to live frugally when all around you seem to have more possessions, more money and simply more fun. There are few people in the world who do not enjoy having new, enjoyable possessions which can make life easier, more varied and overall just more fun. The risk of seeing life in this way is that it can make people go to extreme lengths to keep up. No small amount of the financial turmoil that is seen on an individual basis very frequently happens […]

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Cash vs Credit – The Battle Lines Are Drawn

It is a certain fact that where credit used to be the preserve of a few people with major disposable income, now loans and credit cards are common parts of life for most sections of society. This has led to situations where it is assumed that the less well-off are the people who like to take out credit and get into difficulties, believing that society cannot do anything about it. However, it seems clear now that even billionaire and trillionaire banks have been just as slack in […]

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Why Do We Use Credit?

When someone falls into debt due to a history of using credit there is invariably a rush of questions as to why they saw fit to borrow so much in the first place. Part of the reason is the way that credit has been sold by the banks – if you apply today you could have that new car tomorrow – and part is due to the fact that people always feel more secure the more money they have. The word “credit” has always been associated with […]

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A Life Of Debt

Since about a decade ago, the rise in numbers of people using credit to fund larger purchases has been steep. We have definitely become more impatient as a society, and this has meant that where we see an opportunity to acquire expensive consumer items we are unlikely to spurn that opportunity. Due to the rise in availability of credit in the early part of this century, this has seen people taking out loans or putting expensive purchases on a credit card, to spread the cost over time. […]

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Your Credit Rating And What It Affects

Any time you take out credit for the purposes of making a purchase, or for any other reason in fact, this information goes onto a file which is held by any one (or more) of a number of credit monitoring agencies in your country. Any payments you make (or miss) and any changes to your account are recorded on this file. Depending on the agency, your credit rating is judged on the basis of the information held on this file. Any payments you make are given a […]

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Consumer Debt Consolidation

If someone makes you an offer for debt consolidation when you don’t seem to be able to find any way out of your bad debt situation, take it. Sure, it is just another way to borrow and owe again, but this time you don’t owe to as many parties as before. Chances are that you never would have been able to break your debt cycle otherwise anyway. Don’t hesitate. You might want to explore all of your debt consolidation options before you give your life up to […]

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Get Debt Consolidation Loans

You can bail out of town and start life all over someplace else on the globe, but that would mean leaving behind all that you have worked your entire life for. Instead, you should try debt consolidation. You can have it all paid off in no time. Getting a debt consolidation loan can be the first step to being set free from debts. A debt consolidation loan enables you to pay off all your credit card debts effortlessly. Once you get a debt consolidation loan, you should […]

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Debt Consolidation Credit Cards

If you’ve got several credit cards with different companies, the chances are they are scattered all over the place and monitoring them may be a little bit tricky for you. With debt consolidation, you can afford to monitor the way your finances move because it will all be embedded in a single point. Debt consolidation loans make it easy for you to keep a track of your finances. There are a lot of ways to remain in debt for the rest of your life. Hey, you could […]

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