Comment posted Debt Reduction Lessons – Guide To Getting Out Of Debt by gravtex.
I actually just got a blendtec, maybe I should record that video.
gravtex also commented
- That sounded harsh! “a sharpobject may be required”
- Please save your Business Reply Postage Paid Envelopes from credit card offers. Then Mail the credit companies a brick or other heavy object using their own postage permit. This is a legitamate business reply as long as it goes to the address printed with the permit #
- I’ve never really understood the point of this. It just wastes everyone’s time, including your own. Sure, the company has to pay for the shipping, but at the volume of mailings they do, it doesn’t matter one bit.
- a way to stay out of debt do not get any credit cards
- That’s great advice. It’s really not that hard to live without any credit cards since debit cards work just like them and don’t require you to take on any debt to use them.
Recent comments by gravtex
- Credit Repair Kit For Dummies
I bought the book and found it easy to read and helpful. The section on how to clean up your credit report was particularly useful for me. Cleaning up my report will hopefully allow me to qualify for the home loan I will be applying for soon. I only read the sections that applied to my financial situation, but I will keep the book handy to help with any future credit repair needs. S. Green
Rating: 5 / 5 - Credit Repair Kit For Dummies
I read this book in hopes that it would indeed help me to start repairing my credit. It is all fluff and filler as my title states. It doesn’t really explain to you how to do anything. It definitely doesn’t help anyone dealing with collection agencies. It doesn’t tell you anything about debt validation, which a collection agency is required to provide upon request. Honestly this doesn’t even touch the tip of the iceberg.My summary of the book which will save you the cost of buying: pay your bills on time, check your credit report at least once a year, if your score is low you won’t get anything, oh and this guy ran a credit counseling agency.
Rating: 1 / 5 - Credit Repair Kit For Dummies
Unfortunatly I never received this book. Never received a confirmation number to track it. Overall very disappointed.
Rating: 1 / 5 - Credit Repair Kit For Dummies
A good tutorial for people in all financial conditions. The author really knows his stuff.
Rating: 5 / 5 - Zilch Standard – Debt Reduction
This software is great. If you want to get out of debt fast including your mortage [if you have one] then this software is the tool for you.1) Get all your financial data together.
2) Enter the information.
3) Bingo! You now have a plan.
This tool takes into account all of the details surrounding your debts, interest rates, current payments, outstanding balance, etc… and quickly and easily turns it all into a month-by-month detailed debt elimination plan.
You’ll know exactly when you can have that debt-free party, and
you will have all the help and motivation you need – when you see the balance of your debts shrinking in months not years.With just the click of the mouse you can print your month-by-month payment and balance schedules and be on your way to financial security.
Think about it…we all complain that we are not paid enough, but how much money would you really have, if you didn’t have the following payments:
* Credit card payments
* Car payments
* Store cards payments
* Mortgage payments
Just add them up and see for yourself… I did!
Stop giving your money away… Stop making your bank rich… Stop making your credit card company rich… Stop making your mortgage company rich. Because, has long as you keep giving them your money [INTEREST PAYMENTS]… guess what? They’ll keep taking it.
REMEMBER: With this software:
*You don’t have to think about.
*It’s all done for you.
*Just fill in the blanks.
Rating: 5 / 5
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December 1st, 2009 at 2:37 pm
I used to have a lot of problems with debt, but sites like
theinternetcaschow.blogspot,com helped me raise that little bit extra each month.
December 1st, 2009 at 3:26 pm
Part 2: People just want “way too much” these days. Want to be debt free? Live “way below your means”. I live in a 700 square foot condo with my wife. Yeh…its small…but I OWN IT free and clear. I drive a 15 year old car that I take good care of, is it an unstylish frumpy car? YES, but I OWN IT free and clear. OH yes…by the way…if you can’t afford to have children…DONT HAVE ANY. Life is not always fun, but IT IS REAL and dont expect others to bail you out.
December 1st, 2009 at 4:15 pm
Certainly with “some” exceptions, most debt ridden people caused their own hell. I have had panic attacks since I was 13 years old ( i am 55 now) so I have had to be very financially conservative with my money as I never really knew when or if I would become too disabled to work. Well I a have been debt free since I was 50 years old… Paid off condo, paid off car, and about $100,000 in the bank. My parents who are in their 80s are right….people just want “too much” today.
December 1st, 2009 at 4:20 pm
what freelance work would I do? i don’t have any idea of what to do for that.easier said than done.
December 1st, 2009 at 5:06 pm
You can blame someone else for why you’re in debt or take responsibility for your own actions – I know it’s more fun to just blame everyone else and act like a victim, but c’mon, time to grow up and realize you ultimately decide what you do, not the rich or the gov’t or whatever.
December 1st, 2009 at 6:06 pm
I actually just got a blendtec, maybe I should record that video.
December 1st, 2009 at 6:23 pm
Get a second job or start doing freelance work from home.
December 1st, 2009 at 6:39 pm
I agree with you, and do not feel it is my fault I am in debt. Have any advice for a single mom, with nothing put away, who owns nothing, can’t aford to pay taxes, and can’t afford to save money. Getting older and need to try something.
December 1st, 2009 at 7:06 pm
what about when someone cuts your work hours by half? I can’t afford to pay for even gas for my car.
December 1st, 2009 at 8:00 pm
Very true. I don’t know about where you are, but here in Japan we can opt to have the entire credit card balance debited directly from our bank account every month. It only carries over to the next month if you have insufficient funds. I just pay for my internet, cable, and mobile by credit card so the amount deducted is never a surprise
December 1st, 2009 at 8:09 pm
Good ideas. Thanks for posting!
I want to see those credit cards in a blender! (^O^)/
December 1st, 2009 at 9:06 pm
Well tell me this… I will be just over $100,000 in Student Loan Debt (including 4 years of college education, Bachelors of Fine Arts, interest, and housing) I never owned a credit card, a car, or a cellphone, I’m 21 btw. Education to me is priceless, and I’m not holding back in quality.
December 1st, 2009 at 9:46 pm
but you don’t build a credit rating with debit cards. the best advice is to get one card and pay off the balance every month to establish a credit history. it’s hard to get a mortgage if you don’t have a credit score.
December 1st, 2009 at 9:54 pm
Your in debt because the rich want you to be, they targeted you with adverts, credit card invitations relentless ‘offers, deals, sales and options and you just strolled right on out there and bought it, well atleast you can show it off to your neighbours. Good luck with that.
December 1st, 2009 at 10:18 pm
Your in debt because the rich want you to be, they targeted you with adverts, credit card invitations relentless ‘offers, deals, sales and options and you just strolled right on out there and bought it, well atleast you can show it off to your neighbours. Good luck with that.
December 1st, 2009 at 10:31 pm
I don’t need to know how to get out of debt, because I know how not to get in it, its complicated so I doubt you’ll understand, but Ill try to explain, don’t buy fuckin things you cant afford, live by your means not your desires.
December 1st, 2009 at 11:00 pm
That’s great advice. It’s really not that hard to live without any credit cards since debit cards work just like them and don’t require you to take on any debt to use them.
December 1st, 2009 at 11:51 pm
a way to stay out of debt do not get any credit cards
December 2nd, 2009 at 12:38 am
I’ve never really understood the point of this. It just wastes everyone’s time, including your own. Sure, the company has to pay for the shipping, but at the volume of mailings they do, it doesn’t matter one bit.
December 2nd, 2009 at 1:23 am
Please save your Business Reply Postage Paid Envelopes from credit card offers. Then Mail the credit companies a brick or other heavy object using their own postage permit. This is a legitamate business reply as long as it goes to the address printed with the permit #
December 2nd, 2009 at 2:00 am
That sounded harsh! “a sharpobject may be required”