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1. BEST BUDGET APPS 2018 FOR PAYING DOWN CREDIT CARD DEBT SOFTWARE
2. BEST BUDGET APPS 2018 FOR PAYING DOWN CREDIT CARD DEBT LICENSE

BEST BUDGET APPS 2018 FOR PAYING DOWN CREDIT CARD DEBT SOFTWARE

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BEST BUDGET APPS 2018 FOR PAYING DOWN CREDIT CARD DEBT LICENSE

Riley (the "Author") product Zilch Standard (the "Software") you indicate your agreement to the terms of this End User License Agreement (the "Agreement"). Money can touch all aspects of your life.”įollow Richard on Twitter at RichardCGano.By installing or using the Michael J. Financial freedom can provide huge benefits not only financially, but personally and emotionally. Create a memory – a visit with a friend of a social media post – that you can turn to when you are tempted to overspend again in the future.įord thinks the most important lesson for consumers is to “know where your money is going. Tip 6: Toast yourself. The important milestone of being debt-free should not be understated. If setting goals helps you start this entire process, then start here! The short-term changes will help make those future goals possible. Do you want to save to buy a home or go on that trip you never thought possible? Articulating your goals and reminding yourself of them will help keep you driven to reach them. Tip 5: Set financial goals and focus on the long-term. Find out what is most important to you and keep that in mind as you reduce your debt. However, she first makes a spreadsheet of all of her clients ’ expenses before she moves everything to Mint. Check in with your budget each month. Ford frequently uses (which is also a phone app) with her clients to keep track of their budgeting. Allocate some of your spending to an emergency fund so you are prepared if a job loss or health crisis arises. A budget will help you stay out of debt in the future. Repeat this process until you have paid off all your credit cards. Once that card is paid off, take the amount you were paying and apply it to the card with the second-highest interest rate while continuing to make minimum payments on all other cards. Apply any leftover money to the highest interest rate card first. Tip 3: Eliminate your most expensive card first. Pay the monthly minimum on each card to avoid fees. If anything, it can grow your confidence,” says Ford. “I am not sure what the success rate is, but it never hurts to ask. Next, call your credit card companies and ask if they will waive any late payments or reduce your interest rate. Tip 2: Reduce your interest rates. Take stock of your credit cards, including the interest rates and minimum payments.

It could be as small as $50 a month but it adds up. You should ask yourself if you are getting value out of each thing.” If you aren’t using your gym membership, if you aren’t using cable nearly as often as you thought, it may be time to pull the plug. So how do you go about identifying which expenses you want to cut? Ford recommends you look at your most recent credit card statement and go line by line: “There are fixed monthly costs we forget about. It could be something as simple as making coffee at home instead of going to Starbucks every day to get your fix. If you don’t think you can get ahead of your large one-time expenditures, or even if you want a different challenge, try identifying two big discretionary areas. Even just planning these expenses in advance will help reduce the costs. Consider reducing or delaying large annual expenses, such as vacations or holiday spending, for one year. Tip 1: Pause Some Spending. Identify some automated payments that can be eliminated or temporarily paused while you’re paying off your debt.