Debt Management

Guess what? My dear husband enjoyed the movie "confessions of a shopaholic" which we've got to see only last Wednesday night. A friend bought the DVD and I nagged him to watch with us. And yes, he enjoyed it, he was all smiles and laughing all the time. Next in line would be "The devil wears Prada" which we bought yesterday. Saw it on the big screen but I want to watch it again with him.

Anyways, back to shopaholic..I know it is so true and it can happen or might be happening to someone right now. In America, it is so easy to have credit cards and like that girl anyone can have 3,5 or even more than 5 credit cards. The problem lies when you can’t pay them anymore. It’s too late to realize that you’ve spent more than what you actually earn.

But then in America, there are also lots of help when you get yourself to that situation, but of course you have to be determined to help yourself also. You can enroll yourself into a debt management program and also you can get a debt counselor. I don’t think we have that here.

www.debtmanagementgroup.org is one of those organizations I have mentioned above. There, they will consolidate your debt which is good because you only have to worry about paying one debt only. They will also lower your interest rates which you can discuss with your debt counselor. The best I think is that they will eliminate annoying collector’s calls.

Remember Derek Smeath? You don’t want that for sure.

Debt consolidation and my goal

It’s weekend once again and half of the month is over. The week past as fast as it can and I am just glad. Why? Because I want it to be Christmas again, obviously my favorite season of the year.

I have listed several goals to make or achieve this year. You van visit my personal blog at http://raua.blogspot.com if you like and I pray you'll like it. Lol
I listed it down just so I can always take a look at it if I want to and check If I’m doing right according to my goals. I hope I’ll be able to at least check 3 out of that 5 stuff I listed down.

One major major goal is to eliminate some debts. I was actually happy as I computed the other day because I know at least I did well in paying up last year although I did well too in spending. Ugh. So I’m hoping I’ll be debt free within a year and a half. I think I still need debt consolidation to finish it early.

If you need advices or help about debts, try visiting mydebtconsolidationadvice.com. There is a page there where you can see guides and debt plans that I’m sure will be of help to you. The debt plan is actually very doable. There is also medical debt consolidation for the expenses and debts incurred due to hospitalization and sickness. I hope no one in the family get sick this year. Of course they can help you with rental debt too. Thank God that I do not have to pay for any rent right now though I am getting ready for next year because we’re planning to move out on our own.

Whatever, I’m so looking forward this year and next year.

Happy weekend everyone!