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So sad nobody wants to take a chance on me - I'm only 3 months old and not ready to die

People everywhere are learning more about becoming debt free; with all the talk about how bad things are going in our society, it is important to learn how to think about money differently. In the past, most people would not care how much money they spent on material items as long as they could afford the monthly payments.

Becoming debt free is going to require you to look differently at the way that you spend your money. If you go to work every day and when you get paid then everyone gets your money before you even have a chance to enjoy any of it; then it is time to start changing that.

It all begins with the way that you think before you can even consider becoming debt free. You will have to stop spending your money on items that you do not need. Eventually, as you learn how to manage your money; then you can stop worrying about how you are going to make next month's bills.

Investing your time about learning how to become money smart is a huge thing. Anyone who has money understands that they have to know how to spend it and how to save it. If you ever want to create a financial nest for yourself, then it is the time that you learn more about your money.

Where to put your money so that it works for you is a huge thing. If you continue working your whole life while you are young and spending your money on things that do not matter; chances are you will have to work for a very long time. If you fail to learn how to invest your money so that it makes you more; then you may not be able to retire when that time comes.

There are several financial books that you can begin reading today to become more money smart. If you learn more about how to handle your money, then you can pass these principles on to your children. Imagine them being able to grow up and know all about how to stay out of debt. Your children will do exactly what you do; if you are drowning in debt and do not handle your finances properly. Then most likely they are going to experience the same financial troubles when they become older.

You can put your dream of becoming debt free a reality all you have to do is change the way you currently spend your money. Why not begin investing in your future and learn how to become debt free.

If things seem impossible, seeing a debt counselor is a smart option. Admitting that you're in debt and getting help from a professional debt management company can make a big difference in your life. Most good companies will offer you a free, no-obligation counseling session, where they'll analyze your situation and suggest options to you. Prepare a list of your bills and debts before going in, with the total owed, creditor's name, interest rate, and what you pay per month. That way, the counselor will have a very good idea of where you stand financially.

A debt counselor will negotiate for you a payment plan that will be satisfactory to both yourself and your creditors. Since they have already worked with your creditors in the past - they can get you a better deal than you would get if you tried to negotiate something yourself. Make sure you understand how your credit score will be affected by your plan, and when you are satisfied with the plan - start it right away so that you will become debt free as soon as possible.

Debt steals your freedom; it's even more virulent than cancer. You must do everything humanly possible to get out of debt.

You're in debt today probably because you lived above your means in time past or got into a messy business that drove you into debt. Three things I hate most in this world, debt, poverty and sickness. Debt could have come from your inability to control your impulses or as a product of the unexpected. Whatever the case may be you have debt and we need to deal with it squarely and eliminate it.

My guide won't just get you out of debt rather you'll get out of debt way faster than you ever imagined.

Follow the following steps to get out of debt now:

1. Control Your Spending

You can't spend money you do not have. Therefore, if you want to be debt free, you must spend less money than you earn. Start by eliminating the things you don't really need from your scale of preference i.e.. learn the act of prioritizing. How much money would you have to spend if you eliminated newspapers, magazines, cable TV, second cars and cut back on eating out?

2. Decide How You Spend Your Money

Every charity, church and good program is asking for money. "Just give a dollar." These dollars add up. If you have a job and a good income you can spend as much as you can. But if you're trying to be debt free then don't let other people tell you how to spend your money.

3. List All Your Debts

This is a very important move; it shows your seriousness to become debt free. Get a piece of paper, a Google sheet or a notepad on your computer. This list will help you have a decent idea of how much you owe. This eliminates guesswork. Another important aspect is to rank this debt from the smallest to the most expensive.

4. Set Periodic Goals

Becoming goal oriented is the best gift you can gift yourself, in all spheres of life. Goals help us churn really hard matter into tiny pieces. From your income you can set a target to pay a certain percentage monthly. The big picture of this goal oriented mission is to pay off all your debt and regain your freedom. Once these goals are in place, it will be almost impossible to ignore them. This will push you faster into accomplishing your goals than you would have originally anticipated.

5. Start Paying Off Your Debt From Highest To Lowest

Take every penny you receive above your basic living and all of the savings and apply them to your debt, Start by paying the highest then narrow down to the least. One by one pay off your debt. This will give you confidence and help you become debt free

6. Sell Almost Everything

Sell the things you don't need to raise money. It could be your TV, used books, furniture, clothes. The aim is to raise more money and pay off your debt. There's always time for stuff when you're debt free so sell them and pay off your debt.

7. Work, Work, Work

This one is mind-blowing; To pay off the faster you can work more. Overtime, second jobs, babysitting. More money simply means more debt repayment.

He is perfectly trainable in the hands of a person who likes youngsters and knows how to deal with them and their various temperaments. He is NOT A LOST CAUSE!!! ... Although he tried mouthing and jumping and leash biting, he was perfectly manageable and quite pleasant to spend time with. he was very sociable, loved the company of many people, played nicely ... he is still a little one. Death should not knock at her door and win, but it will unless a foster or adopter opens their heart.


Yuri is such a cutie! He's a sweet little pup that is too young to be sad in a kennel. He's looking forward to the day that he gets adopted and is finally able to go home! Yuri is about 15 lbs and is only 3 months old.

**PAST SHELTER DEADLINE! This dog is in ACS KENNELS and at risk of euthanasia as space is needed by the city at 9:30am Mon-Sat, and again at 5pm Mon-Fri & 3pm Sat.**

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
San Antonio Animal Care Services
4710 State Highway 151
San Antonio, TX 78227
Phone Number: (210) 207-4PET.
Fax Number: (210) 207-6673
Ask for information about animal ID number #A520587
Outstanding debts can inflict severe dents in even the best retirement plans which have been carefully crafted over a lifetime. Incurring a debt is seemingly unavoidable in the modern age, as a result of both higher cost of living and consumerism.

With each passing year, more and more Singaporeans are diving into the debt pool as they struggle to cover their daily expenses and make ends meet. As of December 2016, the average Singaporean household incurs an estimated $55,000 of debt, which is a 3% increase over 2015. Easily 75% of this household debt stems from unresolved mortgage loans. Some of this unsettled debt may even force retirees to expend their assets to cover their debt rather than passing it on to their beneficiaries.

However, there are several ways to effectively settle outstanding debts to ensure it doesn't put a crimp on some of those best retirement plans you've come up with.

1. Establish a Budget and Track It

Creating a proper budget is a great way to analyse and plan finances. By allocating a set amount of money towards a specific expense per month, the amount of expenses can be monitored more stringently and precautionary steps can be swiftly undertaken if the expenses overshoot the stipulated budget. It is only through proper budgeting can individuals or households create the necessary surpluses to pay off any existing debts.

Certain financial tools, such as Excel spreadsheets or even, are particularly useful in keeping track of a personal or household budget.

The main problem for an individual who does not keep track of his/her monthly expenditure is that he/she does not know if he/she ends the month with a net reduction in savings, i.e., spending exceeds income and eats into savings. Knowing the amount of leftover balance is crucial since a continuous negative balance might lead to the creation of new debts. It is this type of debt that is the most dangerous as it rolls over at seemingly manageable interest rates month after month. Before the individual knows it, he/she would have made hefty payments on interest alone.

Tracking tools are thus crucial in identifying areas of weakness in one's monthly spending habits, but an individual must take affirmative action to reverse the negative balance situation. This can be done via listing out the monthly expenses and employing necessary cut backs on certain expenditures. Discipline is the key.

2. Laddering Debts by Interest Rate

Laddering debts is another technique used in settling outstanding debt. It involves listing out all current debts by interest rate, starting from the highest interest rate to the lowest interest rate. The debt with the highest interest rate costs the most money, so this debt needs to be settled first.

By paying off the most expensive debt first, the overall debt will be reduced significantly faster. Some individuals who incur multiple debts per month and employ laddering in their finances usually settle the minimum payment required for each debt, and use the balance cash from their payments to settle more of the debt with the highest interest rate.

For example, let's compare two debt instruments: one, a credit card with an outstanding balance of $4,000 with an interest rate of 24% and another, a credit line with an outstanding balance of $8,000 with an interest rate of 16%. Ideally, the minimum monthly payment required to settle each debt would first be made, and any leftover finances would be funneled to repaying more of the credit card debt even though the amount owed may be lower.

Laddering is especially useful in tackling multiple debts while avoiding the accidental creation of another new debt. Laddering also instills a sense of financial discipline that is good in tackling unresolved debts and preventing those debts from inflicting too much harm on those retirement plans you've kept in mind.

3. Balance Transfers

Balance transfers is another tool used to cut back on interest expenses whilst settling an attempt to pay off a debt over several months.

For example, given the competitive nature of the unsecured credit market, banks often provide very low teaser rates for clients who transfer their existing unsecured debt from other banks. The effective interest rates could be as low as 4% p.a. versus the normal 24% p.a. one pays on credit card balances. However, the catch is such promotional rates lasts only for a certain period, for example 6 months. Nevertheless, balance transfers can lower the interest costs of an existing debt.

Balance transfers do carry their own risks. Individuals transferring balances must remember to either settle the debt after the transfer or look for another such opportunity before the lower interest on the account to which the balance is transferred expires, otherwise he/she risks paying an even higher interest rate.

Individuals using the balance transfers may also fail to address the continuous build-up of debt, thus wiping out any benefit from such a strategy. In the end, despite this cost-saving strategy, individuals end up with even more debts that impinge on savings, not to mention any future retirement plans.

4. Contacting Consumer Credit Counseling Services

If a person is having immense trouble settling their debts or even coming up with the minimum monthly payments, they should consider engaging a consumer credit counseling service. In Singapore, this service is aptly named as the Credit Counseling Singapore ("CCS") and offers solution-based credit counseling for individuals beleaguered by financial debt.

The CCS's debt management services only cost $130 and pairs up debt-laden individuals with a credit counsellor. The credit counsellor will assess the indebtedness of an individual's situation and assist him/her by making a financial estimate of the debts owed, identify available resources which can be used to cover the debts and even plan a monthly budget which incorporates all living expenses. Solutions to tackle the debt problem and monthly negative balances will be meted out to alleviate the burden of debt.

If one is concerned over how his/her debt would affect his/her retirement plans, contacting the CCS would be the right way to go. If the retirement plan has already taken the old debt into account, proper financial restructuring could reduce the interest and installment payments that need to be made.

Even the best retirement plans may be in jeopardy in the face of unresolved debts. By adopting better financial habits such as establishing a budget, laddering debts and transferring balances, an unsettled debt situation might become easier to handle. If a debt problem persists, the CCS can be engaged to work out a solution to stave off unresolved debts. Financial advisers may also be consulted to better streamline finances and handle monthly expenses, thus ensuring a more secure and better retirement in the future.

Anyone who has every gone through debt or is going through debt at the moment likes knowing all the different possible options possible in terms of how to pay it off, or how to pay it off with less monthly installments, for that matter.

Freedom Debt Relief reviews are important in order to separate the hype from the real deal. According to the ad on TV, you can reduce your debt by up to half making just one payment per month. The company states that it can help you get rid of your debt in two to four years without declaring bankruptcy or getting credit counseling. Rather, the company claims to negotiate with your creditor in order to lessen your owed amount.

According to a few Freedom Debt Relief reviews, however, some of those who signed u declared bankruptcy while others even encountered debt increase. A few reviews indicated that the company did not even get in touch with the creditors to negotiate lower debts.

Many consumers found that the Freedom Debt Relief Company had sent every account to collection agencies. Thus, many clients never overcame their debts even with years of service and administration fees paid to the company. To top it off, it turns out that Freedom Debt Relief did not even operate with a business license in the state of California.

The Bottom Line

Freedom Debt Relief reviews indicate that one consumer after another feels duped and at the very least, disappointed at the way Freedom Debt Relief gave out false advertising, did not do what they claimed they were going to do and even practiced in the state of California with no business license. It has lost all credibility and continues to charge administration fees to people who are already deeply in debt as it is, and looking for a way out. What should consumers do?

Based on the Freedom Debt Relief reviews, the first thing consumers need to do is to cancel their patronage to Freedom Debt Relief and then talk to creditors themselves to try and see if reduced payments will be allowed. Negotiate a principal reduction with a company that helps in debt-reduction. The way to know whether or not a company will help in reducing debt is to read various reviews and check with the Better Business Bureau as to whether or not they are working effectively and have good reviews from consumer reports.