... asked: Well after a few years of working to get myself free of debt i am finally there. i have paid off everything with an interest rate. i still owe my DR. a little bit but that will be paid off the end of this month. and i owe my parents a tiny bit but that is manageable and will be paid off soon. but all of the credit cards, loans, and anything with finance charge, or possible late fees is PAID OFF. glad to finally start saving some money. dont know if i can help anyone but basically i started paying cash for things i bought, and put every penny towards debt. tax refunds, raises, bonuses, all of my part time job money. after some research on the net i agree with something. i really dont care about my credit score. if i pay cash for everything then no need for a creit score. about 18 months ago i closed all credit ...
... Bob Hobson It is a major decision to consolidate or not to consolidate your debt. When debt becomes too much too handle and the creditors are making your life a living Hell the time may be right to take a major step to change the situation. Consolidating your debt and loans can be the ticket out of a deep hole. If being over your head in debt is the situation you find yourself in haste is not your friend. It is important that you clearly understand what you are taking on by consolidating your debt. Combining all of your debt into one institution resulting (hopefully) in a lower payment overall is relatively simple but that does not mean that it is foolproof. It is crucial to work with the right agencies and make deliberate and informed decisions along the ...