Reduce Debt Increase Wealth

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Money is important in everyone’s life let us ask the tough questions about personal finance. Knowing the answers will help in the long run to manage finances and make life better.  That…

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 What is the difference between debt reduction plan and debt management plan both are the same in most cases. Debt management plan for most is a  professional counseling person working …

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Doing a budget requires some type of written document. Using a computer spreadsheet to do the math makes this a straightforward process. How to set up a budget on a spreadsheet and how …

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How to set up tracking categories to be in same order of the budget. The tracking program has categories list different than the budget categories. I found a way to make these match to …

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It may seem like no progress is being made on reducing debt, but at this stage it is a slow process. Once quit using credit, identify items to cancel made those tough choices it’s a wai…

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Reducing debt requires making some tough choices, what to get rid of or quit paying for which services. This is key if money is not available then it will be difficult to reduce debt. 

A…

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Getting started reducing debt is the hardest part of this program. Why is that, because first must recognize the problem and how to fix the problem. Second is just finding ways to start…

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Why is emergency fund important? How to get started funding and is there the need to increase the balance for inflation. This is only one thing needed to build wealth or reduce debt. Wh…

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Building credit can be difficult if don’t know how and what to do. Those having bad credit can rebuild credit in the process of paying off credit card debt. 

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Keeping a budget and knowing when and where your money is going is key in keeping debt under control. It also important to know when and where money is going to help with the timely pay…

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What is a debt reduction and management plan and how it works. This is one plan that works for both and is something that should be memorize or place in a place to be view regularly. 

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What are the benefits of tracking, and why everyone should be doing this activity. Will go into details of this activity and how to use this information so it not a waste of time.

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Increase wealth can be difficult for most, the younger getting started and staying focus can make this happen much earlier in life. Put yourself first in life and start taking the steps…

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How to plan for tough times and be ready when troubled times happen. Getting personal finances in order and keeping positive in life. Review goals and changing goals based on what the e…

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Recession or no recession what to do, but first what is a recession. Then recession proof personal finances to get by until good times are back.

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What is loan consolidation should it be done and how it is done. Will give another way to reduce debt if unable to get loan consolidation1. 

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https://www.consumerfinance.gov…

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The first step in saving money is reducing the spending. Then keeping spending under control will increase the saving rate. Getting debt reduce, reduce spending and increasing income al…

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How to create a budget using a spreadsheet made simple. This is the easiest way to create a budget using a spreadsheet, going to explain how this is done, giving easy to follow instruct…

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At some point everyone should start tracking expenses and income then finally create and maintain a budget. Why is this important to complete goals, have money for the troubled times, j…

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Those that are having problems with debt and need to quit using credit this will help in getting that problem solved. A debt reduction plan should be quit using credit, but this may be …