Credit & Debt Management Control

TIPS IN HOW TO BECOME DEBT FREE

STEP 1: STOP MAKING ANYMORE DEBT!!!

You cannot even begin to think of becoming Debt Free unless you stop making any further debt. The first step to get out of your Debt Trouble is to stop making any further Debt. Don’t be tempted to use your credit cards or enter into more loan agreements just to try and pay current debt. That is Debt Suicide.

STEP 2: MAKE A LIST OF WHAT YOU OWE CREDITORS 

Gather all your latest statements and begin to make a list of all your Debt Obligations.  Begin with the largest balance first. List the minimum monthly installments required, interest rate applicable as well as the outstanding balance. You might get the shock of your life when you see how many Credit agreements you really have, and the total Debt amount they all add up to.

STEP 3: REDUCE YOUR EXPENSES

Look at your budget responsibly and see which expenses can be reduced.  For example:

- Reduce your DSTV package to a lesser one. 

- Consider reducing your cell phone contract to a more affordable package.  You most       probably will be paying a penalty fee because of the reduced package you want to downscale too, but at the end you will save some money.

  If you are using your cellphone a lot during office hours, it might be a better option for you to upgrade your cellphone. For example. You spent about 200 minutes on the phone every month on a 120 weekender package. The additional 80 minute calls made plus the calls  during peak hours can send your cellphone bill sky-rocketing. Upgading to a Talk 240 where you get 240 anytime minutes free, might be the best solution for you.

- Shop around for cheaper household and car insurance quotes with the same covering   you currently have.

STEP 4: PRIORITIZE YOUR REPAYMENTS

Add the additional money created extra in step 3 to the Debt with the smallest balance. Once the smallest Debt is paid off, use the money freed up in step 3 to pay off the next Debt on your list until this one is also paid off.  

This way you will not spend the money available after a debt has been paid off, but use it to pay off other debt. You will be amazed how much interest you will save.

STEP 5: GET HELP                     

If any Creditors are in the process of taking legal action against you, or you are experiencing trouble in meeting all your monthly debt requirements, don’t stress.

For a free debt assessment contact 0861DEBTAID.  A NCR Registered debt counsellor from Debt Aid debt Counselling can help you reduce your monthly debt repayments to one affordable amount, without making more debt.

 

About the Author

www.debtaidcounselling.co.za

Equity vs. Debt

ARE YOU IN MORE DEBT Anti-Obama 2012 Large 2.25 Magnet $3.00 These magnets are manufactured from the highest quality materials… made of a hard metal base, thick mylar, strong magnet and true to life vibrant colors. Put them on your refrigerator, locker, file cabinet or any metal object you can think of! Magnets are great party favors for your next gathering and also make great prizes/giveaways. They are wonderful gifts for everyone!…

ARE YOU IN MORE DEBT Anti-Obama 2012 Mini 1.25 Magnet $0.99 These magnets are manufactured from the highest quality materials… made of a hard metal base, thick mylar, strong magnet and true to life vibrant colors. Put them on your refrigerator, locker, file cabinet or any metal object you can think of! Magnets are great party favors for your next gathering and also make great prizes/giveaways. They are wonderful gifts for everyone!…

Arrested for Debt, plate V from ‘A Rake’s.. – 3×2 inch Fridge Magnet – large magnetic button – Magnet $4.99 Rectangular wrap-around refrigerator magnet and a glossy mylar cover.Large 2×3 inch rectangle fridge magnet or ‘buttons’ as they are sometimes known in the USA.Crop shown is automated for display purposes only. All magnets are hand finished and the best most appropriate crop will always be selected to best show the full image. Therefore, actual product may vary slightly from crop shown – this can …

Kid Galahad $7.10 Fine remake of the boxing classic stars Elvis Presley as a garage mechanic-turned-prize fighter who runs afoul of gangster Charles Bronson. Between bouts, Elvis manages to sing a song or two, including “King of the Whole Wide World” and “I Got Lucky.” With Lola Albright, Gig Young. 100 min. Widescreen (Enhanced); Soundtrack: English Dolby Digital mono; Subtitles: English, French….

Speedway $4.66 Elvis Presley is fast in a car, with his lips, with his hips and on the guitar in this swingin’ race car saga. He’s romancing lovely I.R.S. agent Nancy Sinatra with “There Ain’t No Nothin’ Like a Song,” “Let Yourself Go,” “Your Time Hasn’t Come” and others along the way. With Bill Bixby, Gale Gordon. 94 min. Widescreen (Enhanced); Soundtracks: English Dolby Digital mono, French Dolby Digital mono;…

Stark Raving Mad $3.35 A crook quietly plots his revenge against the boss who murdered his brother while working for him. Studio: Sony Pictures Home Ent Release Date: 03/22/2005 Starring: Seann William Scott Timm Sharp Run time: 101 minutes Rating: R Director: Drew Daywalt/david Schneider…

Easter $1.99 …

Easter [HD] $2.99 …

Business As Usual $1.99 …

General Hydroponics Aeroflo2 Aeroponics System – 60 Sites $1,172.95 The Aeroflo 60 Site comes complete with everything to get started. By generating a fine mist of nutrient solution, aeroponic culture optimize the oxygen/water/nutrient ratio for the roots of plants and provides ideal conditions for all stages of growth. Plants’ roots grow in the moist air space between the net cups and hang in a shallow, constantly circulating bath of super-oxygenated nutrient sol…

Debts of Dishonor $4.99 Imogen Quy – rhymes with why – is the witty, compassionate, and relentlessly inquisitive college nurse at St. Agatha’s College, Cambridge University. Unfortunately, St. Agatha’s has seen better days: Its financial affairs are in shambles, and the school is teetering on the verge of bankruptcy. That is, until billionaire financier and St. Agatha’s College alumnus Sir Julius Farran decides to pay his alma mater a visit. Things are looking up for St. Agatha’s … but when Sir Julius suddenly dies in questionable circumstances, the college is in danger of closing forever. A nurse is a natural receiver of confidences, and Imogen soon learns that Sir Julius had far more enemies than friends. Her curiosity is initially piqued, but soon turns to alarm when Julius’s equally unpleasant son-in-law is found murdered. The case takes on particular urgency because Imogen’s former flame, Andrew Duncombe, had been working as Sir Julius’s right-hand man. Imogen must work out what really happened before Andrew is implicated in the murders – or becomes the next victim.

Debts of Honor $30.46 First published in the original Hungarian in 1865. Author: Jokai, Maurus/ Yolland, Arthur B. Binding Type: Paperback Number of Pages: 304 Publication Date: 2010/10/13 Language: English Dimensions: 6.00 x 9.02 x 0.68 inches

Public Debts in China (1919) $24.66 Author: Huang, FengHua Binding Type: Paperback Number of Pages: 100 Publication Date: 2008/10/01 Language: English Dimensions: 9.00 x 6.00 x 0.21 inches

Toxic Debts and the Superfund Dilemma $53.63 In 1980, with the passage of the Comprehensive Environmental Response, Compensation, and Liability Act, Congress created the Superfund as a mechanism to clean up the toxic legacy of the industrial and chemical revolutions. Over a decade later, the consensus is that the program has failed: too much has been spent and too little accomplished. Harold Barnett unravels the history of this failure, examining the economic and political factors that contributed to it and suggesting policy changes necessary to create a viable cleanup program. Barnett argues that the Superfund has failed because of conflict over who will pay the toxic debt and the impact of this conflict on interdependent funding and enforcement decisions at state, regional, and national levels. He argues that the inability of legislators and regulatory agencies to take effective and timely action is related to the economic and political power of major corporate polluters. Spanning the Reagan and Bush administrations, the book highlights the ongoing conflict between deregulatory policies and environmental programs. Author: Barnett, Harold C. Binding Type: Paperback Number of Pages: 352 Publication Date: 2010/09/01 Language: English Dimensions: 9.20 x 6.22 x 0.96 inches

Bad Debts: A Drama in One Act: $20.09 Author: Cassie, Searle Margaret Binding Type: Paperback Publication Date: 2010/10/15 Language: English Dimensions: 9.69 x 7.44 x 0.08 inches

Public Debts; An Essay in the Science of Finance $38.29 Author: Adams, Henry Carter Binding Type: Paperback Number of Pages: 432 Publication Date: 2010/09/03 Language: English Dimensions: 7.44 x 9.69 x 0.88 inches

Foreign Bondholders and American State Debts $49.02 Author: McGrane, Reginald C. Binding Type: Paperback Number of Pages: 424 Publication Date: 2000/03/01 Language: English Dimensions: 9.05 x 6.04 x 1.08 inches

words pay no debts Humor Journal by CafePress $9 Deeds, not words. Just like Chuck Norris in Delta Force. Humor Journal Scribble important stuff – lyrics, recipes, addresses, and more. Our Wire-O bound, 160 page journal has your choice of papers and measures 5 x 8, a handy on-the-go size to fit in your backpack. Get creative and let the muse flow. Back cove

words pay no debts Humor Magnet by CafePress $4 Deeds, not words. Just like Chuck Norris in Delta Force. Humor Magnet Stick ‘em up with our fun and functional magnets. Holds refrigerator notes, photos, dress up a school locker, room or workspace. Adds stylish fun to any room. Collect ‘em, trade ‘em. 2.25 inch diameter. Metal shell. Flat magnet

Africas Odious Debts By Boyce, James/ Ndikumana, Leonce $144.82 Author: Ndikumana, Leonce/ Boyce, James K. Series Title: African Arguments Subtitle: How Foreign Loans and Capital Flight Bled a Continent Publication Date: 2011/10/15 Number of Pages: 135 Binding Type: Hardcover Language: English Depth: 0.60 Width: 5.25 Height: 7.75

Debts of Honor by J. Kai, M. R. [Paperback] $38.29 This is a reproduction of a book published before 1923. This book may have occasional imperfections such as missing or blurred pages, poor pictures, errant marks, etc. that were either part of the original artifact, or were introduced by the scanning process. We believe this work is culturally important, and despite the imperfections, have elected to bring it back into print as part of our continuing commitment to the preservation of printed works worldwide. We appreciate your understanding of the imperfections in the preservation process, and hope you enjoy this valuable book. Author: J. Kai, M. R. Binding Type: Paperback Number of Pages: 438 Publication Date: 2011/05/25 Language: English Dimensions: 9.69 x 7.44 x 0.89 inches

Forgive Us Our Debts By Yarrow, Andrew L. $28.28 Author: Yarrow, Andrew L. Subtitle: The Intergenerational Dangers of Fiscal Irresponsibility Publication Date: 2008/04/28 Number of Pages: 171 Binding Type: Hardcover Language: English Depth: 0.50 Width: 6.25 Height: 9.50

A New Way to Pay Old Debts: A Play (1904) $25.44 Author: Massinger, Philip/ Stronach, George Binding Type: Paperback Number of Pages: 140 Publication Date: 2007/11/01 Language: English Dimensions: 9.00 x 6.00 x 0.33 inches

Chapter 13 Bankruptcy : Keep Your Property and Repay Debts over Time $29.25 No Synopsis Available

words pay no debts Humor Greeting Cards Pk of 10 by CafePress $16 Deeds, not words. Just like Chuck Norris in Delta Force. Humor Greeting Cards Pk of 10 Greeting cards are a great way to express yourself and to keep in touch with friends and family. A personal note on a beautiful card will make a lasting impression and a touching keepsake.Available in your choice of paper stock

words pay no debts Humor Postcards Package of 8 by CafePress $8 Deeds, not words. Just like Chuck Norris in Delta Force. Humor Postcards Package of 8 These high quality postcards are printed on glossy, 12 pt paper, and come in a package of eight. The cards measure a standard 6 x 4 and are ready to send updates and greetings worldwide.Full Bleed dynamic color. Sturdy 12 pt glossy

Simple Dollar, The: How One Man Wiped Out His Debts and Achieved the Life of His Dreams $16.65 No Synopsis Available

PISTOL WHIPPED BY SEAGAL,STEVEN (DVD) $19.31 A mysterious man offers to pay off an excops gambling debts in exchange for the cop assassinating the citys most famous gangsters. Artist: SEAGAL,STEVEN Genre: Action/Adventure Rating: R Release Date: 3FEB2009

Debtor $10 Have you lent money to someone and you can’t remember how much it was and whether it has been already returned to you? Or did you borrow money and the same happened to you? Do not write down your debts on papers that you will later lose anyway. Note them down to the Debtor application where you can easily modify them. It will also give you an exact and well-arranged overview of your debts and debtors.

Alex & Emma Dvd from Warner Bros. $9.95 Romantic Comedy. Alex (Luke Wilson) is an author whose writer’s block and gambling debts have landed him in a jam. In order to get loan sharks off his back, he must finish his novel in 30 days or wind up dead. To help him complete his manuscript he hires

Alex &Amp; Emma from Warner Bros. $9.95 Romantic Comedy. Alex (Luke Wilson) is an author whose writer’s block and gambling debts have landed him in a jam. In order to get loan sharks off his back, he must finish his novel in 30 days or wind up dead. To help him complete his manuscript he hires

Fingers from Warner Bros. $14.95 Jimmy Fingers (Harvey Keitel) lives in two worlds. In one, he’s a supremely talented pianist with Carnegie Hall aspirations. In the other, he’s a brutal collector who violently squeezes anyone who reneges on debts owed his mobbish, loan-shark father. Jimm

Day of Tears By Lester, Julius $12.62 When gambling debts and greed enter into the Butler household, Pierce Butler decides to host a slave auction and breaks his promise by selling Emma, his mostvalued slave and caretaker of his childrena decision that brings about unthinkable consequences.When gambling debts and greed enter into the Butler household, Pierce Butler decides to host a slave auction and breaks his promise by selling Emma, his mostvalued slave and caretaker of his childrena decision that brings about unthinkable consequences. Author: Lester, Julius Subtitle: A Novel in Dialogue Publication Date: 2007/04/01 Number of Pages: 177 Binding Type: Paperback Grade Level: 46 Language: English Depth: 0.50 Width: 5.75 Height: 8.00

Monsieur Motte by King, Grace Elizabeth [Paperback] $27.37 I told Goupilleau, Goupilleau, nonsense You dont know whom you are talking to Cant get money out of this people bah Giving balls, going to balls, and not pay houserent, not pay officerent, not even pay interest on their debts debts reduced to ten cents on the dollar But what are you singing to me, mon ami But Madame must not judge by the present. And why not? Why not judge by the present? The crises, the revolution, the reconstruction. Author: King, Grace Elizabeth Binding Type: Paperback Number of Pages: 164 Publication Date: 2010/09/10 Language: English Dimensions: 7.52 x 9.25 x 0.35 inches

Monsieur Motte by King, Grace Elizabeth [Hardcover] $41.15 I told Goupilleau, Goupilleau, nonsense You dont know whom you are talking to Cant get money out of this people bah Giving balls, going to balls, and not pay houserent, not pay officerent, not even pay interest on their debts debts reduced to ten cents on the dollar But what are you singing to me, mon ami But Madame must not judge by the present. And why not? Why not judge by the present? The crises, the revolution, the reconstruction. Author: King, Grace Elizabeth Binding Type: Hardcover Number of Pages: 164 Publication Date: 2010/09/10 Language: English Dimensions: 7.01 x 10.00 x 0.44 inches

Rule in Allhusen V Whittell $70.1 High Quality Content by WIKIPEDIA articles Allhusen v. Whitell (1867) LR 4 Eq 295 is an English trusts law case which lays down a rule of equity which requires the trustee of a trust to strike a fair balance between the beneficiaries who are tenants for life and those who are remaindermen in respect of payment of the debts of an estate. The life tenant under a will is entitled to income earned after the testators death, but it often takes some time to ascertain and settle all of those debts. In the meantime the assets of the estate are earning income for tenant for life, whereas the life tenant should only receive income from the estate net of the debts; the rule in Allhusen v White requires that the life tenant to make a contribution. Author: Surhone, Lambert M./ Tennoe, Mariam T./ Henssonow, Susan F. Binding Type: Paperback Number of Pages: 98 Publication Date: 2010/08/18 Language: English Dimensions: 6.00 x 9.02 x 0.23 inches

Debt Relief $70.1 High Quality Content by WIKIPEDIA articles High Quality Content by WIKIPEDIA articles Debt relief is the partial or total forgiveness of debt, or the slowing or stopping of debt growth, owed by individuals, corporations, or nations. Traditionally, from antiquity through the 19th century, it refers to domestic debts, particularly agricultural debts and freeing of debt slaves. In the late 20th century it came to refer primarily to Third World debt, which started exploding with the Latin American debt crisis (Mexico 1982, etc.). In the early 21st century, it is of increased applicability to individuals in developed countries, due to credit bubbles and housing bubbles. Author: Surhone, Lambert M./ Timpledon, Miriam T./ Marseken, Susan F. Binding Type: Paperback Number of Pages: 94 Publication Date: 2010/08/12 Language: English Dimensions: 6.00 x 9.02 x 0.23 inches

Next of Kin: A Novel $3.99 It is 1936, and London is abuzz with gossip about the affair between King Edward VIII and Mrs. Simpson. Owen Montignac, the handsome and charismatic scion of a wealthy family, is anxiously awaiting the reading of his late uncle’s will. He must pay £50,000 worth of gambling debts by Christmas or he’ll son find himself six feet under. In his desperation, he discovers that the royal scandal could provide the mans for profit . . . and for murder.

Managing Debt For Dummies $6.99 Are you carrying too much debt? Relax! This practical guide gives you simple, effective methods for paying off your bills as quickly as possible and getting your finances back on track. You’ll find proven strategies for slashing spending, consolidating debts, dealing with collectors, handling high-risk debt such as a mortgage or car loan, and avoiding future debt problems.

The Black Mask $2.99 Rose Spenser is surprised that she’s inherited a ruby ring from her eccentric godfather, but she’s disappointed to discover that the gem is worth little more than sentiment. Settling her brother Rupert’s gambling debts with the sale of the stone is now impossible – but when the infamous Black Mask, a gentleman burglar, awakens Rose in search of her jewel, she decides that retrieving Rupert’s IOUs from Sir Niles Alardyce, wastrel and bon vivant, is not. Not if the charming thief will help her . . .

Platinum Garden (Volume 1) $3.99 When Kazura is sent to live in Mizuki’s house, she learns that she’s really there to become his wife! Furious, Kazura tries to leave, but discovers that she was given as payment for her deceased grandfather’s debts. But things aren’t what they seem to be in this household – Mizuki can call back people’s souls, and Kazura wants him to bring back her grandfather! Maki Fujita’ shojo comedy is filled with delicious family secrets, dreamy high school romance, and plenty of spirited fun! Ages 13 and up. Graphic novel.

The First Four Years (Little House) $3.49 Meet Laura Ingalls, who would grow up to write the Little House books. Laura and Almanzo have just been married! Their life on a small prairie homestead begins with high hopes. But each year seems to bring unexpected disasters – storms, sickness, fire, and unpaid debts. These first four years call for courage, strength, and a great deal of determination. Always, though, there is love, especially for the newest member of the family – baby Rose. Ages 8 to 12. 134 pages.

Wizard’s First Rule $5.99 In the aftermath of the brutal murder of his father, Richard Cypher encounters a mysterious woman, Kahlan Amnell, in his forest sanctuary. She seeks his help . . . and more. His world, his very beliefs, are shattered when ancient debts come due with thundering violence. In their darkest hour, Kahlan calls upon Richard to reach beyond his sword – to invoke within himself something more noble. Neither knows that the rules of battle have just changed . . . or that their time has run out.

T.U.L.I.P. Red White T-Shirt by CafePress $18 People are bad in so many ways that they cannot save themselves. So some are picked to be saved. Those who are picked get their debts paid off. They find the lover irresistable and keep on following. Red White T-Shirt Tee, TShirt, Shirt The white t-shirt is a timeless classic for a reason; it should be a staple in every wardrobe. It is clean, simple, and durable. The best part is you can wear it with anything. This 100% cotton T-shirt is so comfortable you’ll want to wear it to bed.

T.U.L.I.P. Women’s Pink T-Shirt Red Women’s Light T-Shirt by CafePress $18 People are bad in so many ways that they cannot save themselves. So some are picked to be saved. Those who are picked get their debts paid off. They find the lover irresistable and keep on following. Red Women’s Light T-Shirt Tee, TShirt, Shirt Our 100% cotton women’s tee is preshrunk, durable and guaranteed.5.6 oz. 100% cotton. Standard fit.

T.U.L.I.P. Red Rectangle Magnet by CafePress $5 People are bad in so many ways that they cannot save themselves. So some are picked to be saved. Those who are picked get their debts paid off. They find the lover irresistable and keep on following. Red Rectangle Magnet Add instant style to lockers, dorm rooms, workspace or the fridge while keeping your notes and reminders in view with an attention-grabbing Rectangle Magnet. Measures 2.125 x 3.125. Metal shell. Mylar/UV protecting cover.

T.U.L.I.P. Red Tote Bag by CafePress $21 People are bad in so many ways that they cannot save themselves. So some are picked to be saved. Those who are picked get their debts paid off. They find the lover irresistable and keep on following. Red Tote Bag Our 100% cotton canvas tote bags have plenty of room to carry everything you need when you are on the go. They include a bottom gusset and extra long handles for easy carrying. 10 oz heavyweight natural canvas fabric. Full side and bot

- Debt Political Bumper Sticker by CafePress $5 It is incumbent on every generation to pay its own debts as it goes. A principle which if acted on would save one-half the wars of the world. Political Bumper Sticker Tell the world how you feel Our bumper stickers are perfect for expressing yourself while cruising down the highway or just for posting on the wall. Measures 10 x 3. Printed on 4mil vinyl using water and UV resistant inks -

Tuition Not Bombs T-Shirt white America White T-Shirt by CafePress $18 Drop Tuition Not Bombs The government spends billions on war while college students graduate with large debts to corporate America – corporations that profit from an educated work force. America White T-Shirt Tee, TShirt, Shirt The white t-shirt is a timeless classic for a reason; it should be a staple in every wardrobe. It is clean, simple, and durable. The best part is you can wear it with anything. This 100% cotton T-shirt is so comfortable you’ll want to wear it to bed.

Tuition Not Bombs T-Shirt ash grey America Light T-Shirt by CafePress $18 Drop Tuition Not Bombs The government spends billions on war while college students graduate with large debts to corporate America – corporations that profit from an educated work force. America Light T-Shirt Tee, TShirt, Shirt This light t-shirt will be fashionable even after the zombie Apocalypse. In fact, this shirt might be the very reason you’ll survive said Apocalypse. The light color shows you aren’t worried about getting stains – and even if you were, those stains show t

Jefferson quote Architecture Journal by CafePress $11 Then I say the earth belongs to each…generation during its course, fully and in its own right. The second generation receives it clear of the debts and encumbrances… -Thomas Jefferson Architecture Journal Scribble important stuff – lyrics, recipes, addresses, and more. Our Wire-O bound, 160 page journal has your choice of papers and measures 5 x 8, a handy on-the-go size to fit in your backpack. Get creative and let the muse flow. Back cove