Stay Out of Debt All Year Long

There are certain times of the year where people are especially prone to buying too much stuff and getting into debt. When you feel like you’re in over your head, it’s a good time to figure out how it happened, how you can get out of debt and, even more importantly, how you can stay out of debt. With a little careful planning, you can avoid those buying binges that keep you buried in bills.

Starting with Your Old Bills

The first trick to staying out of debt is getting out of debt. If you have old bills hanging over your head, you’ll want to get those taken care of first. Starting with the oldest ones, start paying the complete balance. If you have some that are especially expensive with high interest rates, prioritize those as well, to pay them off quickly. If you don’t have the cash on hand to pay the full balance, use your car as security for a car title loan. Depending on the value of your car, that should get you anywhere between $2,600 and $20,000 cash in one hour. Since it’s with reduced interest rates, you can use it to pay your bills that have high rates and save money.

Shopping for New Purchases

Before you head out to the store to buy something, check the prices online. Do some comparison shopping to be sure of getting the best price for your item. Whatever you intend to buy, write it down on a list. Don’t fall into the trap that stores will set for you to get you to buy a bunch of stuff you don’t really need. Stick to your list and buy at the cheapest store.

Stay Away From Credit Card Spending

Whatever you do, don’t start running up your charge cards again! Once you’ve done your comparison shopping, you will know exactly what an item costs. Put that amount of money into your wallet and then go shopping. If you don’t have cash for your purchases, go online to apply for an auto title loan. You’ll get competitive rates by using your car as collateral for a cash advance. And you’ll save a lot of money on interest by paying cash for your new items.

Preparing a Realistic Monthly Budget

Now that you’re out of debt, stay there by carefully tracking your income and spending with a budget. To begin your list, write down every source of income that you can think of. If you can increase your income, that’s even better. You might be able to do this by asking your boss for a raise or by looking for a better job. When you know how much money you have, then you can begin to divide it up to last through the month. Put aside something to go into savings each month to prepare for emergencies. Don’t go over your limit each month and you can stay clearly out of debt.

Tips for Getting Out of Debt

If you feel weighed down by your debt, then you may have also felt like you are stuck in some kind of never-ending debt trap. The burden of debt, specifically credit card debt, won’t escape you without significant action. It’s important to note we aren’t offering any kind of financial advice, but rather, a few tips that may prove helpful for you.

The first step is realizing you are essentially stuck in a trap. If you keep making the minimum payments on you credit cards, you likely won’t make a ton of progress. In other words, it’s time to take action!

Create a Budget

It’s crucial that you create a budget and reevaluate your finances. Where is your money going each month? Where are you spending where you can be cutting back? This is, without a doubt, an essential first step of the process because it’ll set the foundation for everything that will follow. If you are on top of your finances, you can plan accordingly for the future.

Pay More than the Minimum

If you are paying the minimum amount that is due each month, it’s understandable. It’s easier said than done and it’s often difficult to pay more than you can afford. If you have budget properly, however, hopefully you have found some ways in which you can save some extra cash. If so, start thinking about paying more for your credit cards each month. If you pay a little more each month, you can be doing a lot of good down the road. In fact, you may have heard of the snowball method. This is when you find your smallest payoff balance and move it to the top of the list. If you pay this off completely, you will work your way down to the next smallest balance. It’s a trick that works quite well!

Combine Your Debt

It’s been shown that consolidating you debt can help you a great deal. In essence, if you combine several high interest balances into one with a lower rate, you will have an easier time of paying down your debt. In addition, keeping everything organized, and on one balance, may also prove more helpful rather than if everything was spread out over multiple credit cards.

Personal Loan

If you haven’t considered a personal loan, you may be interested in learning more. It’s a great way of consolidating your debt, but also a way of applying for a certain amount of cash and using that money in paying down your bills. OnlinePersonalLoans.com offers no-collateral personal loans within the range of $15,000. The application process is fast and easy and within minutes you can be on your way to get the cash that you need.

5 Best Websites To Kill Time

laptop-849800_640Many of us some spend aimlessly searching the web in search of finding entertainment. There are tons of websites and YouTube channels solely made to entertain a person and pass time.

Some websites can be totally pointless and not help you gain anything, other than laughs and enjoyment. I believe in taking breaks when I’ve been working nonstop for a long time, because it allows me to recuperate and get a short mental break.

1. StripGenerator.

This is most likely for a person who enjoys comics and creating their own comic strips. This website will allow you to look at other comic strips that have been made, in hopes of inspiring you to make your own. You can see the top posters and see which comic strips are the most liked. Are you ready to create your own comic strip?

2. People of Walmart.

This site isn’t for the faint of the heart, as is posts pictures of people from Walmart all around the world. If you get offended easily, definitely don’t take a look at this website. It can be quite humorous for some, as you get to see photos of people dressed in funky outfits or acting funny.

3. TED.

This website is more for educational purposes and allows you to see the different viewpoints of people. You can watch episodes related to nutrition, science, the world, and more. This site is definitely more on the productive side. You get to learn, while being entertained as most hosts are a bit on the funny side.

4. TheNicestPlaceOnTheInternet.

I am new to this site, but find it quite intriguing. It’s exactly what you would picture it to be-full of positivity and happiness. I just clicked on the website and the first thing you see is a man hugging the computer screen with a huge smile on his face. All you have to do is press the right button, and tons of other people will come up simply hugging their computer screen and smiling at you. I swear this isn’t as creepy as it sounds, it’s kind of fascinating actually! This is definitely a website to check out if you are in need of cheering up.

5. AwkwardFamilyPhotos.

This site has been around for quite some time, and even has its own board game. I’ve seen it before, and didn’t quite get it actually. The board game was full of awkward family photos that were not only uncomfortable to stare at, but also a bit creepy as well. No wonder why I saw this board game at the thrift store.

Have you used any of the above websites to kill time? What other websites would you recommend browsing on?