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Informative Articles

Crucial Do-It-Yourself Debt Consolidation Facts
There are facts you should know before you consider entering into a debt consolidation contract. Some of the facts outline free sources for debt consolidation. Many of the online sources for debt consolidation will charge nominal fees and interest...

Strategy for Getting Out of Debt and Staying There
This article will present some good ideas on strategies for eliminating debt and how to stay debt free. The strategies I will be presenting in the article are all well know but many of us just fail to implement them or don't remember...

Ten Steps To Being Debt Free That Work
Ten Steps To Being Debt Free Copyright© Bryon Zirker http://www.PlugInProfitSite.com/main-10068 Ten Steps To Being Debt Free That Work If your finances are lacking right now, here is a plan to help reduce your debt while also...

What Is Accelerated Debt Consolidation?
If you are covered head to toe in piles of debt, accelerated debt consolidation could be the best solution for your debt dilemma. Almost everyone faces this situation at some or another. Most people take one of several ways of getting out...

Why You Should Take Advantage Of Student Loan Debt Consolidation
You went to college, and you have your degree. And now that you have a job, you are making your own money, which means you have your own bills to pay. College probably wasn't free, and it certainly wasn't cheap. You probably had to take out several...

 
TOP 10 WAYS TO AVOID DEBT DURING THE HOLIDAYS

The Debt Trap: How Your Life Choices Impact on Your Financial Future

1. NEVER use your credit card if you don't have the money in the bank.

2. WRITE one check in advance for the money you allocate for gifts, and write a
list of what you purchase and the cost of each purchase without exceeding the budget.

3. IF you can't afford to buy gifts, bake or hand make crafts that don't throw you
into debt.

4. DON”T rely on anticipated bonus's or raises when making spending decisions.

5. WHEN purchasing gifts don't try to keep up with the Jones's.

6. DON”T carry too much cash since cash goes quicker when it's in your pocket.

7. BE careful of excessive telephone use, since it can create huge bills if you don't
keep track.

8. GIVE several small gift certificates instead of one expensive gift.

9. GIVE of your time to help the less fortunate.

10. REMEMBER the true spiritual meaning of the season rather that the commercialism.



About the Author
Steven Taieb is a NJ State Bankruptcy Attorney. He has written an invaluable book titled, The Debt Trap that could save thousands of consumers the dreaded option of Bankruptcy. Steven Taieb has practiced consumer bankruptcy law for over 18 years and is one of ten lawyers in New Jersey certified by the American Board of Certification in Consumer Bankruptcy Law.

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