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Use A Debt Checklist To Examine Where You Are


A Debt Checklist allows you to look at items and areas of your financial life. You need toexamine these to gauge how you stand. Even if you believe you are in good shape take a closelook at these areas to be sure.

  • Your Budget. Almost nobody likes this word, which is why so many peoplehave problems with their finances and debt. You need to know how and where your money isbeing spent. In addition, you should be sticking to a spending plan.

  • Your Savings Account. You should pay yourself each month. To do thisyou need have an account in place, in which you keep your funds. At least until you can movethem to an account with a higher rate of return. Visit your bank or credit union to set one up.

  • Your Use Of Credit. You need to review your use of credit to see how,what, and where you are using it. Using credit to pay your bills or buying groceries is a recipe fortrouble.

  • Your Percentage Of Income For Debt. Nothing makes it harder to staywith your spending plan than credit card payments. You are paying for your past while trying topurchase your present. If your percentage of income going toward debt exceeds 15 you could beheaded for trouble. Any amount over 20 percent, you need to put on the brakes.

  • Your Minimum Payments. These add up. If you are to the point where youca only make minimum payments on your debts, you will stretch your indebtedness far into thefuture. You don't want to extended like this. Find ways to add extra to one payment eachmonth. Then when you pay one off move the extra payments to another.

  • Your Protection. You need to put into place and maintain protection foryour assets. Your home, autos, life, and health, need be insured. Make certain the protection isin line with the value of your assets and the needs of the people whose lives would be effected.

  • Your Retirement. Two factors come into play here. You are going to livelonger and life is not getting any cheaper. You should pay into an account for retirement everymonth. More is better. If you have been paying attention you'll know not to depend solely onsocial security.

  • Your Job Skills. Things change and change rapidly. A constant updateshould be part of your plan. You need to be able to obtain better jobs, or sometimes any job. Themore skills you possess the better your chances.

  • Your Money Skills. Since money education is not taught in school you willneed to learn on your own. You need to learn to manage your money, even if you turn it over toothers. Become familiar with how credit and debt works, so it doesn't work against you.

Once you have taken this inventory get to work shoring up the areas where you are weakest. Putinto place the ones you don't have. Then check back every so often to make sure all is well andas it should be.

(C) 2004 David Wilding.

David Wilding has for the past ten years worked with groups and individuals to help them reachthe goal of being debt free. Visit his web site http://www.debtattack.com for more ideas, tools,and strategies.


MORE RESOURCES:

Debt Releif - Google News

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Freedom Debt Relief Offers 5 Tips to Help Consumers Avoid Becoming Victims of Identity Theft - PR Newswire (press release)


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Yesterday, Prime Minister Gaston Browne seized an opportunity to call on the Paris Club group of lenders to grant his country some breathing space on its debts, as the nation looks to recover from the devastation wreaked by Hurricane Irma in September.
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FSB requests all documents on Yeltsin Center's $10m-debt relief - https://en.crimerussia.com/


https://en.crimerussia.com/

FSB requests all documents on Yeltsin Center's $10m-debt relief
https://en.crimerussia.com/
The Office of the Federal Security Service in Sverdlovsk region requested for all materials on the transaction upon which the government of the Sverdlovsk region will write off interest on the debt of Yeltsin Center in the amount of 598 million rubles ...

Puerto Rican coalition calls for full recovery funding and debt relief - Florida Politics (blog)


Florida Politics (blog)

Puerto Rican coalition calls for full recovery funding and debt relief
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A national coalition of Puerto Rican groups with heavy representation in Central Florida urged in Orlando Monday for Congress to offer full relief funding for the hurricane-ravaged island and for Florida and federal relief for evacuee housing in the ...

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Getting Help with Credit Card Debt: Freedom Debt Relief Suggests 7 ... - Markets Insider


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SAN MATEO, Calif., Nov. 20, 2017 /PRNewswire/ -- For the many Americans who face unmanageable credit card debt, it's time to get their financial lives in order, ...

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Feds sue nation's largest debt-relief provider - Jackson Clarion Ledger


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Feds sue nation's largest debt-relief provider
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The Consumer Financial Protection Bureau has sued the nation's largest provider of debt-settlement services, alleging that Freedom Debt Relief deceived and misled consumers about its services and fees. The agency announced the lawsuit Wednesday in a ...

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China makes no offer of debt relief for Venezuela - ABC News


Venezuelanalysis.com

China makes no offer of debt relief for Venezuela
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China on Thursday made no offer of debt relief to Venezuela, but said it was confident the country can deal with the problem. The statement from the foreign ministry came a day after Russia and Venezuela signed a deal in Moscow that envisages Venezuela ...
Venezuela, Russia Agree to Restructure Debt as China Voices Confidence in Caracas Venezuelanalysis.com
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Russia Offers Venezuela Debt Relief - Wall Street Journal


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Russia Offers Venezuela Debt Relief
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MOSCOW—Russia threw a lifeline to Venezuela on Wednesday, restructuring the more than $3 billion it is owed by its economically and politically troubled South American ally. The Russian Finance Ministry said the debt of $3.15 billion would now be ...

Freedom Debt Relief: CFPB “fundamentally misunderstands” debt settlement process - HousingWire


HousingWire

Freedom Debt Relief: CFPB “fundamentally misunderstands” debt settlement process
HousingWire
Last week, the Consumer Financial Protection Bureau sued Freedom Debt Relief, the nation's largest debt settlement services provider, claiming that the company repeatedly lied to its customers about the company's ability to negotiate debt settlements.
Consumer board accuses Freedom Debt Relief of alleged deception ... Legal News Line

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