How do you get out of debt w/out going to debt consolidators?

Answer 1

hello, check these links, then decide what you want to do, they might even get you to change your mind!
see the FAQ on the first link down but really there's plenty of advice throughout if you have time to read:
http://credit-cards.ebookorama.com
http://finance.ebookorama.com
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
good luck!
if it helps please remember me cheers

Answer 2

Strategies to Reduce Debt Quickly
http://www.complete-debt-info.com/category/Strategies-to-Reduce-Debt-Quickly.html

Ways to Consolidate Debt
http://www.debt-explained.com/category/Ways-to-Consolidate-Debt.html

Answer 3

1. Get on a budget. You need to be sure you are not spending more than you earn.
2. List all Debts. Include balance, interest rate and minimum payment.
3. Pay at least the minimum on all debts every month.
4. Apply any remaining funds to the highest rate debt first.
5. As each debt is paid, apply that payment to the next highest rate debt.

If necessary find another source of income.

Answer 4

right here is the plan (and you will no longer % any debt consolidation help for this): a million). record your money owed, from the smallest stability to the main important, alongside with minimum fee. 2). Pay the minimum on each little thing different than the smallest debt and pay as much as you may in this till this is paid off. 3). whilst debt #a million is paid off, take the quantity you have been paying them and upload it to debt #2, so as that your finished debt help fee maintains to be the same. 4). save going till they're all paid off, then take that particular same quantity and placed it in reductions each month on your down fee. the version in activity between paying the smallest debt first and paying the optimal activity fee first is so small, it won't count in the top.

Answer 5

Simple.
Calculate all of your monthly debt
Calculate the total income.
Subtract the difference.
That is all the debt consolidators are going to do. I personally feel that the debt consolidators are very dumb to waste your valuable time with.

Answer 6

Get a Personal Line Of Credit at your bank and consolidate you debt into one... Then pay it off slowly...

Answer 7

talk to a financial counselor or go to debt seminars. u can also find tips on the web. Oprah had a "debt diet" on her show that gave good tips. its a lot of things u can do w/out going to consolidators...but u have to stick to it! good luck.

Answer 8

get a loan with an acceptable interest rate and pay off all debts under that loan, call credit card company and see if they will let you settle your debt and for what amount...ask to waive late fees and lower or remove interest for awhile. Get a second job to help pay off debts.

Answer 9

Make a budget and stick to it.

Control impulse spending and only buy things that are essential.

The government provides too many public goods (parks, libraries, museums, etc.) that you can do without incurring significant expense and staying within your means.

People first.
Money second.
Things last.

In that order!

And if you have children, help them to understand that NO means HELL NO!

Answer 10

Pay off your debt.