It’s that time of year when we all make promises to ourselves about getting out of credit card debt. It’s time to take yourself seriously. Credit Cards are instruments of modern financial slavery and the sad truth is most of us do this to ourselves. Nobody forces us to rack up credit card debt. We usually justify it to ourselves but saying “I deserve this” or something like that. But the truth is the things we put on the credit card rarely buy us any happiness and serve only to force us into working for someone else’s benefit. So it’s time to make 2022 that year that you finally took yourself seriously enough to control your spending and free yourself from the slavery of credit card debt. You can slow the bleeding by getting yourself a new card that offers 0% interest on balance transfers for 12-18 months and no balance transfer fee. That buys you time. But the real work to be done is to get that spending under control!

#GetOutOfDebt #CreditCardDebt

??? A tutorial on the differences between debt consolidation vs credit card refinancing.

Table of Contents:
0:00 Overview and Introduction
0:19 What is credit card debt consolidation?
3:45 What is credit card refinancing?
7:14 When to consolidate and when to refinance?
8:40 How to research credit cards for balance transfer (credit card refi)
10:05 Secured vs Unsecured Credit Cards

One of the most common ways that people consolidate debt is through a balance transfer. How does it work?

Read our full article:
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I Have $70,000 in Credit Card Debt!
Say goodbye to debt forever. Start Ramsey+ for free: https://bit.ly/35ufR1q

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This service helps you identify the best solution for your needs: https://www.consolidatedcredit.ca/credit-counselling/

Getting out of debt on your own isn’t easy. There are so many solutions you can use and they deliver very different results depending on your financial situation. What worked for your neighbor may not work for you because you have a different amount of debt, a different credit score, and a different budget. But there’s a free service that can help you identify the best solution for your needs. This video explains how it works.

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Deciding between a balance transfer credit card and a debt consolidation loan depends on the terms you get, the repayment plan, and your comfort with risk. A balance transfer credit card is a great option if you can get a 0% introductory APR, AND you can pay off the balance before the period expires. A debt consolidation loan might be better if you need a more extended period to pay off the debt.

So, when thinking about debt consolidation, you need to think about these things:

1. Are you just kicking debt down the road? Meaning ae you paying off debt by taking out more debt? You have to lower your spending and be committed to not accruing more debt as you work on paying off
your debt.

2. If you have a low credit score, you probably won't be able to get a lower interest rate on the balance transfer or debt consolidation loan. So, first focus on making on-time payments, paying off debt, and increasing your credit score.

3. make sure you have a budget and have found a way for that budget to work successfully in your life.

Now, of course, I always recommend paying off your debt by buckling down, controlling your spending, and learning about why you are debt in the first place. Addressing and understanding why you go into
debt is critical if you want to make changes to stay out of debt in the future.

That said, when you are facing financial hardship, sometimes debt consolidation can help when you have high-interest debt that is not manageable.

CHAPTERS
Intro: 00:00
What is debt consolidation: 00:54
The benefits: 01:45
How to consolidate your debt: 03:23
Things to consider: 09:55

?? SHOULD YOU CONSOLIDATE YOUR DEBT: https://bit.ly/3e69JAv
?? SHOULD YOU CONSOLIDATE STUDENT LOANS: https://bit.ly/3oy9xPw
?? FINDING YOUR WHY: https://bit.ly/3aJUryj
?? THE BUDGET MOM’S FINANCIAL FREEDOM STEPS: https://bit.ly/3cfJXsp
?? HOW TO GET STARTED WITH THE CASH ENVELOPE METHOD: https://bit.ly/2vQJaO5
?? HOW TO CREATE A PLAN OF ATTACK TO PAY OFF DEBT: https://bit.ly/2wDETxF

ABOUT ME

I’m the blogger behind https://www.thebudgetmom.com. I have a rambunctious 6-year-old son, live in Washington, and I’m passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!

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Let’s talk about debt consolidation loans. Specifically, is a personal loan your best option? How to save money by choosing the most affordable personal loan or credit card, how to pre qualify for these loans without even providing your social security number, how to get a loan with bad credit and some more pro-tips that will really help you tackle that debt.

Debt consolidation can be a great option if you are stuck in credit card debt with crazy high interest fees. Typically, when you consolidate your debt you should expect to save a bunch of money on interest, BUT it doesn’t necessarily guarantee a lower payment and I show an example of this in the video.

Credit cards might be a better option than personal loans when considering debt consolidation because even with bad credit because a lot of them offer the option to do balance transfers and waive the balance transfer fee and offer 0% interest for 12-18 months. For more information on balance transfers and some companies to consider, click the video below

Companies Discussed in Video:

Wells Fargo (Risk Free Calculator)
https://www.wellsfargo.com/personal-credit/rate-and-payment-calculator/#Good

Sofi
https://www.sofi.com/personal-loans/credit-card-consolidation-loans/

Avant
https://www.avant.com/

FREEZE YOUR CREDIT:
https://www.experian.com/blogs/ask-experian/credit-education/preventing-fraud/security-freeze/
https://www.transunion.com/credit-freeze
https://www.equifax.com/personal/credit-report-services/credit-freeze/

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In June I had over $11,500 in credit card debt. I was inspired by Aja Dang to become completely DEBT FREE. Since June I have paid over $3,000 off of my credit card debt but I still owe about $10,500 as of August 6th. I am using Dave Ramsey’s BABY STEP method from the Total Money Makeover in order to pay off all my credit card debt. Dave Ramsey suggests to use the snowball method to pay down your debts, therefore, that is the strategy I am using to tackle my debt. Feel free to follow me along my debt free journey! Anyone else currently trying to achieve financial freedom? I know I am.

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#DebtFreeJourney #DaveRamsey #CreditCards

LENDING TREE REVIEWS: DEBT CONSOLIDATION REVIEWS, LOANS, AND HELP TO PAY OFF CREDIT CARD DEBT WITH BAD CREDIT 2018

WONDERING HOW TO GET OUT OF DEBT IN 2018? ARE YOU BEHIND ON BILLS, LOOKING FOR LOWER PAYMENTS AND INTEREST RATES? I PRESENT TO YOU LENDINGTREE.COM

LENDING TREE IS A FINANCE COMPANY THAT WORKS WITH VARIOUS COMPANIES TO HELP YOU FIND THE LOAN THAT FIT YOUR NEEDS.

EVERY PERSONS SITUATION IN LIFE IS DIFFERENT, SO LENDING TREE REACHES OUT TO ACCREDITED COMPANIES THAT CAN HELP YOU ACHIEVE YOUR FINANCIAL GOALS.

LENDING TREE OFFERS

1. Home Loans
2. Auto Loans
3. Personal Loans
4. Business Loans
5. Student Loans
6. Credit Card Loans
7. Credit cards
8. Debt Consolidation Loans
9. Holiday Loans
10. Weddings Loans
11. Signature loans
12. Unsecured Loans
13. Refinance Loans
14. Mortgage loans

DEBT CONSOLIDATION INVOLVES COMBINING MULTIPLE UNSECURED DEBTS INTO ONE BILL. THIS CAN BE HELPFUL IF YOUR GOING THROUGH HARD TIMES AND BECOME OVERWHELMED BY AN ASSORTMENT OF MONTHLY BILLS.

DEBT CONSOLIDATION CAN BE GREAT, BECAUSE IN SOME CASES YOU CAN SAVE THOUSANDS OF DOLLARS IN INTEREST, AND A LOWER TOTAL MONTHLY PAYMENT.

IN THIS EXAMPLE I ENTER INFORMATION AND GO THROUGH EACH STEP ON LENDINGTREE.COM TO RECEIVE HELP WITH LOAN CONSOLIDATION.

THE PROCESS IS VERY SIMPLE AND I ENDED UP WITH THE NATIONAL DEBT RELIEF CHOICE, WHICH IS AN ACCREDITED COMPANY BY THE BETTER BUSINESS BUREAU (BBB)

CHOOSE LENDING TREE AND THEY’LL MAKE THE BUSINESS DECISIONS FOR YOU, SAVE TIME AND MONEY.