If you're trying to payoff credit card debt, and reduce building balances, the best place to start is to figure out how much you owe and what percentage APR or interest rate you have. Once you know, you can begin calling your credit card companies to ASK them to lower your interest rate. Be sure to call when you're feeling strong and confident, so that you're less susceptible to intimidation.
Even if your credit score is low -- CALL and ASK. It never hurts to ask. If you don't ask, the answer is no anyway. Right?
If you're successful in transferring a balance to a ZERO percent interest rate, be careful not to pretend you've solved your debt problem. You still have the debt, and it still needs to be PAID OFF. Continue to throw as much extra money at it as you can, and pay them off as fast as possible. Stay mad at it. Stay committed to reaching your goals of a debt free life. You can do it!
If you're calling to cancel your credit card, be ready to be patient and possibly to defend your decision by repeating your request several times. "Yes, please, I'd like to close my account, thank you." You'll likely be bounced around to different people. They're hoping you'll get frustrated and hang up or lose your nerve. Don't let them convince you that you NEED them. All you need is to be debt free so that you're free to build wealth. Credit Cards will not help you reach that goal.
Payoff your credit cards from smallest to largest. The math on this may not seam logical, but it will help keep you motivated by giving you quick wins. It's inspiring to pay off credit card balances. It'll boost your confidence and make you feel empowered. You go girl (or boy!).
How We Stopped Living Paycheck to Paycheck https://youtu.be/HFofLtL_Dqo
ツ S U B S C R I B E (it's FREE)
Hey there! I'm Dana. I'm a wife and Mother to 4 kids, including twin boys and two girls. I work full time outside the home in finance as a Corporate Accountant, but enjoy sharing my personal and parenting journey online. We live in the Philadelphia area.
Follow Me Everywhere
Need to Contact Me?
2102 Kimberton Rd #79
Kimberton, PA 19442
*Please be advised that some of the links above may be affiliate links and I do receive a very small commission if you make a purchase using those links. I appreciate your support if you do, and if you don’t - no worries. We’re still buds. xo
"Marty Gots a Plan" Kevin MacLeod (incompetech.com)
Licensed under Creative Commons: By Attribution 3.0 License
I had 4 credit cards, until a month ago, I got a new Discover IT card. I had small balances on the others. I rolled all those balances to the Discover card, and closed the other cards. Yes, my credit will take a ding, but will rebound in a few months. I have my bank debit card and my Discover credit card. That's it. Some say it isn't responsible, but I disagree. Being more responsible with your income, and adjusting your finances is way more important than a credit score. We live in a society where cash is on its way out, but you can still save, and pay your bills. I will keep my Discover card, and probably pay my bills off with it and pay it off twice a months and bank up some rewards points.
When I was refinancing a mortgage at my credit union, they required me to have a session with a ( telephone ) credit counselor. ( I was in the Los Angeles area and the company I was talking to was in San Francisco ). I think it was free ( although the charge could have been buried in all the fine print in the mortgage signing/billing, i suppose ) It was one of the best hours on the phone I have ever spent. The counselor then writes a report to send to the credit union, which I got a copy of, and I guess it goes in the file - not sure what they do with it! The woman who was the counselor was really knowledgeable and very helpful, with lots of ideas, but most important, she made me feel empowered to be able to talk to these credit companies that I HAD to - I wasnt going yo get the home loan unless I straightened out some of my other debts.( I had told her I would become so stressed out when I had to talk to these people that I just couldnt handle it. ) So, there are companies that have free help, and even , I have heard, will talk to the "rough characters" for you.
Believe me you’re in total control over your credit score, no matter how low or high it is but the cost of poor credit is massive. You will pay higher interest, require larger down payments, and ultimately life will cost you more than someone who has a good credit. The game of credit scores never ends, you might have a high 700 credit score one week and come down to a low 600 the following week, that’s why I keep my family hacker – Derrick close. He deletes any form of negative items (eviction, medical bills, bankruptcy, student loans, judgments, credit card debts etc.) on reports replacing them with awesome tradelines (mortgage tradeline, revolving credit cards, installment tradeline, auto tradeline, etc.) that will help boost your score more effectively, efficiently and less costly. He adds or removes any info on credit profiles, I guess he can hack the devil himself, LoL. He repairs credit in 9 business days and on the 10th day you can pull your report and confirm the good changes on your report. Contact him today and you will be glad you did. Here is his contact; *creditfixrenew At Gmail Dot Com*
You think your credit profile is bad, mine was terrible. A friend of mine introduced me to a hacker called Aaron then I got in touch with him, To my surprise he fixed my credit profile within a few days. He helped me increase my credit score to 780 excellent plus and delete all bad negative items on my credit profile within 72 hours. He also help me increase my credit cards limit to $25k , I'll advise you contact him for your credit repair on his regular email
MASTERCREDITFIX At Gmail Dot Com
Hi Dana! I discovered your channel through cloth diapers + cloth wipes for baby and I am loving your point of view <3 I have been looking around and can't seem to find a video on preparing for baby arrival and planning financially. Maybe I just can't find it? <3 If you don't have one, it is now my official special request =)
Personally, I don't think you need to protective yourself. You screwed up and pretty much owe money to the banks or someone else. Think of it this way, if you lend out 5k and expect the other person to pay you back, then of course, you would be upset if you weren't paid that amount. Interest and fees are just a part of borrowing money. Borrowing money is not FREE. It's a convenience to me, you and everyone else who has a credit card. They give you 30 days to pay back what you owe and if you cannot afford that payment, then you should not have borrowed it. It's really that simple. Do not borrow more than what you can afford. I don't think most people understand the simplicity of this and that's why most people should avoid credit cards. You walk a fine line when you are dealing with credit cards and only a few people understand that balance.
13,500,000 GRAM Plan to sell.
Telegram Open Network.
Multi-blockchain Proof-of-Stake system.
About Telegram Open Network.
Instant Hypercube Routing TON blockchains use smart routing mechanisms to ensure that transactions between any two blockchains will always be processed swiftly, regardless of the size of the system. The time needed to pass information between TON blockchains grows logarithmically with their number, so scaling to even millions of chains will allow them all to communicate at top speed.
TON Services TON Services provides a platform for third-party services of any kind that enables smartphone-like friendly interfaces for decentralized apps and smart contracts, as well as a World Wide Web-like decentralized browsing experience.
TON DNS TON DNS is a service for assigning human-readable names to accounts, smart contracts, services, and network nodes. With TON DNS, accessing decentralized services can be similar to viewing a website on the World Wide Web.
TON Payments TON Payments is a platform for micropayments and a micropayment channel network. It can be used for instant off-chain value transfers between users, bots, and other services. Safeguards built into the system ensure that these transfers are as secure as on-chain transactions.
The Telegram Team will rely on its 10-year experience in building user-friendly interfaces for tens of millions to create light wallets, exchanges, and identification services that will allow users to get on board with cryptocurrencies in an intuitive way.
Please, pay your attention that Cointelegraph is not responsible for the information on this ICO as there was no official statement so far. There is no official site either.
Telegram recently announced it would launch an ICO for its blockchain platform.
TON aims to deliver a fast, scalable blockchain with support for decentralised applications, distributed file storage, and micropayments.