<A HREF="http://www.datebeach.com/online-match.htm" TARGET="_BLANK>match online</A> " "

The economy is so bad, right now, so much so, that many people are losing their jobs, being laid off, filing for full bankruptcy, etc. These are not the people you think they are, they are engineers, architects, etc. 

YOU NEED DEBT GONE FOREVER!

Maybe you have considered taking the bankruptcy route.  Of course, a bankruptcy will stay on your credit report for up to ten (10) years; thus, causing your credit to plummet. What is the solution?

YOU NEED DEBT GONE FOREVER!

The fact that you are reading this advertisement shows that you, or someone you know, are in need of debt consolidation or some other program put in place to get you out of debt. Many people are regaining and rearranging their financial stability. How?

First, you need to find out what your debt-to-income ratio is. Your debt-to-income ratio (DTI) is the percentage of your monthly gross income used to pay debts. This income can include, but is not limited to, certain taxes, fees, and insurance premiums.

The back-end ratio, is the percentage of income that goes toward paying recurring debt payments, including, but is not limited to, your mortgage principal, and insurance premiums, property taxes and homeowners’ association fees and other debts such as credit card payments, car loan payments, student loan payments, child support payments, alimony payments, and legal judgments..

The front-end ratio is the percentage of income that goes toward housing costs. This is your rent amount or mortgage principal and interests, mortgage insurance premium, hazard insurance premium, property taxes and homeowners’ association fees.

Your personal Credit Guidance Counselor will look at your finances to see what you need to do in order to heal your sick credit. If your debt is excessive, you might qualify for a debt consolidation program, with your existing creditors. Then, you will close your selected accounts and make one payment throughout the term of the program.

Once your plan for repayment is put into action, you need to have a plan of action as to your spending habits. Make sure that you are not using this consolidation as a means to run up more debt.  Now, think seriously about what got you into this mess. Was it poor spending habits or a loss of employment, etc. Either situation calls for a major change.   

You must have a budget, put it on paper, and live by it.  When you do this, reality sets in and you will see where you are spending the most money, and whether you are spending more money than you are bringing in. 

There are many ways you can cut your expenses. 
First, get rid of some of those credit cards.  You should only have one or two credit cards and these should not be carried in your wallet.  These should be left at home for emergencies.  Such emergencies may include major appliance repair or replacement, automobile repair or replacement or medical emergencies.
Second, only carry a debit card.  In this way, you will be paying cash for what you need with the protection of a credit card.  Don't forget to save your receipts for tax purposes.
Third, make sure that the people you are around on a regular basis know what you are doing.  By doing this, you will have a good support system.

You must differentiate what are necessary expenses and what are unnecessary or luxury expenses.  List your expenditures from most important to least important.  Take care of those on the top of the list, first.  Ask yourself questions like, "Does my child need a cell phone?"  "Do we need the most expensive cable or dish network TV?", etc.  Whenever you come across a so-called "good deal", leave the store, finish what you started out to do, sleep on it.  When you awaken, you might decide that this item is not necessary.  You might even decide that you do not want the item anyway.

Now that we have that out of the way, let's talk about food.
You should get the Sunday Newspaper, cut out the coupons and go through the sales papers.  Make your grocery list and your menu based on the coupons and sales.  If it is not on sale or does not have a coupon, do not buy it. 

When it comes to shopping for clothing and other personal items, don't be afraid to ask the manager for a better deal.  More people are shopping at Consignment Shops and thrift stores than ever.  You'll be surprised at the good quality and condition of the name brand items they have.

Utilities:
Heat and Air should be turned off when no-one is home.  Close vents in rooms that are not being used.  Use space heaters and/or fans in rooms you use the most.

I hope your DEBT is GONE FOREVER really soon.

Come back often for more tips and advice.