Consolidating student loans and credit card debt

04-May-2017 01:28 by 7 Comments

Consolidating student loans and credit card debt - reasons for dating a swimmer

After paying debts that are on fixed monthly payments (mortgages, vehicle, and term loans), make the minimum payments required on your credit cards with the lowest interest rates and maximize your payments on the credit cards with the highest interest rates.

Once you've paid off a card, cut it up, and cancel the account. Many people regularly contribute to a savings plan, which is great, but consider that this is money that could help you pay down what you owe faster.Not only will this ensure you are living within your means (and not above your income, which is where credit card debt comes from), but it will also give you a set timeline on when you can expect to get debt free. We’ve created an interactive, budget calculator spreadsheet that will guide you through the process and make the idea of budgeting way less painful.This will help you stay within your budget and maximize your ability to pay down your debts.One way to speed up your debt repayment and get out of debt fast is by reviewing your monthly expenses and looking for opportunities to cut your costs.Start by tracking your spending for a two-week period to become aware of where your money is going (one month is even better).This can have a powerful psychological effect on many people because it can feel like they are making progress sooner.

This can be very encouraging and provides a lot of people with motivation to keep paying down their debt.Monitor your progress regularly to help you stay on track and motivated to reach your goals. You should decide the order in which you will pay off your debts. Paying for your purchases with cash instead of credit will help you separate your needs from wants, remain conscious about your spending, and make you think twice before spending money.This will save you money and help you pay down all of your debts faster.Another method a lot of people like to use to get out debt is to pay off small credit card balances first.*Unfortunately, debt consolidation loans don't seem to help the majority of people get ahead.

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