I was badly in debt
April 28, 2009
Look at me now, I am so badly in debt. I owe two credit cards debt. One with a high interest rate of 19.99%; while the other with 9.99% of interest rate. Both cards were max with a least $9,000 credit debts. So, the total is over $18,000. On last year, I borrowed a personal loan from a credit union. It is well over $10,000 loan. I was planning to use the personal loan to pay off some of my credit card debts. Now, I used it on something else. What an idiot I am. Now, I am struggling to make the payment on time, and I am struggling to pay off the credit card debt one by one. I am only made approximately $32 grands a year. Not much. I guess that alternative option I have might be file a bankruptcy. Otherwise, I have to had 2 jobs to barely make my payment. Any appropriate advise can anyone give it to me? I desperately need some great guidance to get me out of credit debt.
New Recourse to Debtors
April 22, 2009
Recently, I learned that here in our country (Philippines) has now this Small Claims Court. Actually if I would to decide its for the good of the debtors since this court handles debts not exceeding P100,000.00 exclusive of interest, penalties and charges. Aside from that only the bank/company conserned and the debtor is allowed inside the court. They will going to mediate how you will pay for your debts in your most convenient way. But it was also said that if the court finds that you have no money or valuable things to pay your debt the case will be dismiss. In that way you will be free from your debts, isn’t that nice? So now the debtors should no longer afraid in contacting the representatives of the bank and negotiate with them.
Taxes And Debt
April 20, 2009
Thank you for making my taxes kind of annoying instead of a total nightmare. Sure, it cost most of my tax return to pay for the TurboTax version for under-employed freelancers, but that’s fine. You made it easier to turn a stack of 1099s and scribbled receipts into the single-digit check I’ll be receiving from the state of North Carolina. This is the very first year I’ve filed on time, and it’s all thanks to you. (Well, thanks to you and a nagging worry that I might be paying this year instead of receiving, and I’ve heard the IRS is less forgiving about late filing when one is meant to be sending them money.)
What about you? How did filing your taxes go this year?
How a Credit Card Makes Freelancers Bawl
April 17, 2009
Meet Joe, a freelance writer with a decent portfolio containing a mix of print and online articals. He loves to skydive and play tennis. Joe has one credit card for both personal and business purchases. After all freelance writing started out as a side venture that eventually grew big enough that he could quit his corporate job for the freelance life.
In the beginning, the credit card bill didn’t faze him. He didn’t have many business purchases being a fledgling writer on the side. Now that he’s gone big time - managing his credit card and its bill becomes a hassle .
Highlight here, highlight there, everywhere a highlight
When he receives the bill, he has to study the items to figure out what they are. Ater all, that printer he bought from Printers R Us shows up on the credit card as Dominate Electronics World, the parent company. So he has to make the connection between the order from Printers R Us and the parent company by comparing the purchase price.
He takes out his green and yellow highlighters. He highlights personal purchases in yellow and business purchases in green. After all, green means money and business brings in the dough. Whoops, he hightlighted a personal purchase in green and scribbles notes to fix that. By the time is finishes with his bill, it looks bettered and worn.
A nice site for debt owners
April 6, 2009
As I have browsing one forum site I got to see this site called detroydebt.com. Actually, I even got the chance also to visit the said site and read some articles from it. It was something nice. It was like niner though it only caters the subject debts. You can read lots of advices on how to be debt free and eliminate adding debt. another good thing about the site is that it also has a forum where you can interact with others, get advices on your problems (debt) and did you know that it is also a paid to sites? Yes, It is. You can earn a little amount with the site by posting your blog, answering polls/questions on the forums. So why not join the site to destroy your debt problem?
Pay your balance with the help of Paid to sites
April 2, 2009
I know that it is not knew. Yes online earning is being a trend now and I got an idea on how to pay debts with the use of these sites. I am trying to be active to all the paid to sites that I joined since I have figured out the possible amount that I might get from these sites in a months time. It is already a good amount to pay some debts and I think it would really help a lot in making you debt free. Though all you got to do is to determine which sites to concentrate on and which sites does needs lots of your time. Aside from that you have to be careful in joining other sites cause you might be a victim of their scam. To tell you I have been able to pay almost all my debts with these sites and even I am not that active and I am planning to pay all my debts. So better choose the sites that will make you earn and pay your debts.
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