Oct
27
3 Tips that can help pay your bills
Filed Under credit card debt, credit tips, debt, debt consolidation, debt management, debt problem, debt reduce, debt relief, debt tips, financial, money | 2 Comments
Haha, i guess many people have some trouble like this. Its happen many times right? 
It’s a situation that no one wants to find themselves in, but unfortunately some of us do. Your bills keep coming but you don’t have the money to pay them. When this happens, there are two ways to deal with it. All too often, people choose to bury their head in the sand and pretend like it’s not happening. This only makes the problem get increasingly worse over time. The other way to deal with it is to face it head on, but this is easier said than done.
Here are some suggestions for dealing with it correctly.
1) Make a list- The first thing you need to do is make a list of all of the bills you must pay. For example, your list may include a mortgage, car payment, college loans, insurance and credit cards. For each of these payments, find someone to contact. The fact that you took initiative will usually result in a positive reaction from lenders. Be sure to get their name so that you can contact the same person each time. Also, if an agreement is reached, make sure you get it in writing. If you are unable to reach the same person later, you will need proof that you had an arrangement with them.
2) Be wary of quick solutions- The fact is that debt is a big problem, and it is not going to be solved quickly. If someone advertises a solution that seems too good to be true, it probably is. One example of this is debt consolidation loans. The keyword here is loan. It will get rid of your problem for awhile, but in the long run it is just going to be yet another loan you need to pay off. Use this solution with caution. Another thing to watch out for is debt doctors. These are companies or individuals who claim to have the ability to erase your credit record for a fee. This isn’t actually possible, however, and they are just scamming you for your money.
3) Keep the rest of your life in check- If your finances are falling apart, don’t let the rest of your life fall apart with it. Depression will cause inaction and inaction will cause more debt. Try to keep your life as under control as possible. Simple ways to do this are to make sure you get enough sleep at night, and eat a healthy amount of nutritious food each day.
Credit to Sherry L Harris
Ps: So, i just think. Why so many people always late to pay their bills?? 
Oct
21
Reduce your debt by make money online
Filed Under blogging, debt consolidation, debt management, debt problem, debt reduce, debt relief, debt tips, financial, make money, make money online, money | 7 Comments
Many people always said they want to reduce their debt and want to have freedom financial. But they just keep saying and mumbling everyday without do anything about that. I feel bad because many my friends do that and take it easy. So far, i don’t say anyone, but some of them just acting like that. Maybe they lie to me, but lets we said its a good starting if they want to change their life.
So, forget about all debt consolidation or debt management counseling. So, lets think how we can increasing our money to pay all our debt. For some student, i believe they not really have time to do that. They will start paying after they finish their college and do that after they got job. So, how we can make money?
So, this is some idea that i can thought that might be can help us reduce our debt.
- Make money online. If you have internet connection. This is a right time to make money from internet. You can run your own blog and do your blogging job. Join affiliate program and become freelancer. You can take any job like do review posting, do social bookmarking job, making website for small company, designing and others. I believe some of you really good with this right?
- Use your talent. If you have others ability or talent like making some cake or biscuits. Sell your biscuits and cake. If you are student, this is a good job that can help you earn more money and in same time reduce your debt. Sometimes, some student manage to pay all his student loans using their side income like this job. No wonder some student study happily because no need to think hard about their loans. Its a great idea right?
- Use your transport. If you have car. You can rent your car to any person who want to borrow it. Just charge it per hour and per day. I believe you can make a lots of money with that service. But only do that with some customer you really know. If not, might be your car stolen from some dangerous guys. So, be careful. Hoho!
EHm..too many ideas i want to share with you. But its enough with 3 idea from me. I tell you because i already manage to do that. Its good and really make me happy everday. So, how about you guys? Still thinking? Do that now or you still have huge debt forever!
Oct
15
Its Really Buluhmas Will Gone??
Filed Under all about banting, banting news, banting spot, buluhmas, debt consolidation, financial, fun, politic, take & care | 3 Comments
When i read utusan online, my eye’s caught with one interesting news. Its about Buluhmas company. I guess all people in Malaysia know about this advertising company. I know about this one because i’m also another runner for this company. Too bad, BNM already ambush 4 company including Buluhmas Enterprise. So, what all Buluhmas member can do is waiting for BNM investigation in 3 month. So, all money was freezed unless BNM finish with their conclusion about BNM.
I cannot said anything because i’m just a small player in Buluhmas. So, we only can wait and see what will happen. I see many people angry since 2 days ago at some forum and blog. Many blogger worried about this condition. You can read at this link below. Just choose which one you prefer to read..
1. Buluhmas Disyaki Mengambil Deposit Tanpa Lesen
2. BNM arahkan Buluhmas hentikan operasi selama tiga bulan
3. Buluhmas : Korang ada join tak?
5. BuluhMas antara 4 syarikat diserbu bank negara
7. Buluhmas makin hangat sure heboh?
8. BNM arah Buluhmas hentikan operasi selama 3 bulan
10. Mari kita lihat.. siapa yang kenaaa…..
Fuh. Its really tired to digg and find all articles regards to Buluhmas. Its really hot keyword in our local bloggers and i believe some country also know about this one. So, lets wait and see what will happen. Did that 4 company will come back to their bussiness or gone forever??
Just hope no more member will be in debt situation. Did anyone take loan before you join this program? I hope no one will do that.
Ps: If they really gone, where the money will go???
Sep
29
Debt Relief: Its really Myth?
Filed Under all about banting | 6 Comments
Debt Relief: Myth & Reality
Debt relief comes in many forms — credit counseling, debt consolidation loans, settlement and even bankruptcy. Each solution will help you get out of debt, but the long term impacts and fees can vary greatly. Understand the myth and reality behind your debt relief options. I believe you need to know this:
Myth: All credit counseling programs are the same.
Reality: Unfortunately, there are people and companies out there that make a living taking advantage of people in financial trouble. Please be careful. Please do your homework — check around; ask questions. Beware of hidden fees. If a company requires you to make a payment to them (a payment that they’ll keep) before they will make payment to your creditors — find another company. For more information, read the U.S. Federal Trade Commission article Fiscal Fitness: Choosing a Credit Counselor.
Myth: If I check with multiple Credit Counseling Agencies (CCAs), I may find one with a lower creditor payment than another.
Reality: The creditor benefits you will receive on a debt management program are standardized within the industry. Agencies providing the CareOne service, as industry leaders, work with thousands of creditors on your behalf, allowing efficient and accurate processing of your payments and benefits.
Myth: If a CCA is non-profit it must be reputable.
Reality: There are more than a thousand credit counseling agencies in the United States, having very different service levels, fee structures, and reputations. Find out if the service has member access by phone and online, electronic debt repayment processing, and 24/7 customer service. Also, check out your local Better Business Bureau (www.bbb.org) for complaints.
Debt Consolidation Loan
Myth: A debt consolidation loan is the best way for a homeowner to get out of debt.
Reality: For some homeowners the answer can be yes. But it will depend on several factors, such as the amount of equity in your home, the current interest rate on the mortgage, and the value of your property. However, if you are having trouble paying your credit card debt as it is, rolling it all together in with the security of your home could be a risk not worth taking.
Debt Settlement
Myth: Debt settlement is a good, new alternative to get out of debt.
Reality: If you still can’t afford your reduced monthly payment with credit counseling then debt settlement may be an option. Like bankruptcy, debt settlement may have a lasting impact on your credit report which will affect your ability to get credit at favorable interest rates. Fees for this service vary significantly from company to company, so do your homework. For the differences between debt consolidation and debt settlement, see the Wikipedia entry about debt settlement and the article Debt Consolidation Company vs. Debt Settlement Company.
Bankruptcy
Myth: Bankruptcy isn’t such a bad alternative.
Reality: If you still can’t afford your reduced monthly payment with credit counseling then bankruptcy may be an option. Bankruptcy will have a lasting impact on your credit report (10 years). Filing bankruptcy may also be the most expensive alternative — if you decide to buy a car or a house your interest rates could dramatically increase (more than double). Also, the 2005 bankruptcy reform law has made it more difficult to file for bankruptcy and there are stricter rules in the bankruptcy process. For more information about bankruptcy, see the U.S. Courts Bankruptcy Basics webpage and the American Bankruptcy Institute Overview of Bankruptcy.
Credit to Careonecredit
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