18-Sep-2011
Product DescriptionHappily ever after uses the author’s personal experiences of the ups and downs of debt to illustrate the lessons that will change the way you think about money so you can gain control of your finances, pay off your debt, and reclaim your freedom and your life!
12-Jul-2010
Product DescriptionIf you are looking for the steps to become debt free then Happily Ever After can provide the debt reduction processed for you to follow. It provides a simple explanation on saving, dealing with debt collectors, foreclosure and bankruptcy to name a few topics.
29-Dec-2009
My Lawyer never repayed a lien
20-Dec-2009
if you already have one loan, what if it’s differed due to disability? How does this work?
Can you apply for a student loan after debt consolidation?
if you already have one loan, what if it’s differed due to disability? How does this work?
At the time the first loan was taken out (it was for around 4,000 and it was to a school that was a scam, but they got away with itbecause they knew the ins and outs of pulling off their scam very well. . so I’m asking about applying for another loan / consolidation, not discussing the previous one.
06-Dec-2009
Credit card debt is a very big problem that is being faced by a lot of people who have been irresponsible and undisciplined in the use of their credit card. Though some might have landed up with credit card debt due to some unfortunate event/emergency in their life, most people carry a credit card debt due to their own wrong doings (i. e. wrong usage of their credit card debt).
There are a lot of ways to pay off credit card debt and a lot of people do achieve this feat (i. e. are able to pay off credit card debt). Surely, to be able to pay off credit card debt is really a great achievement in itself for not everyone is able to pay off credit card debt. It takes a lot of discipline, restraint, planning and perseverance to finally pay off credit card debt. However, there is more to paying off credit card debt then just being able to pay off credit card debt.
Here we are talking about the life after you pay off credit card debt successfully. As mentioned before, of all the people that try to pay off credit card debt not everyone is able to pay off credit card debt i. e. there are some failures too. However, some people fail after they have succeeded in paying off credit card debt. These are those people who let themselves loose and go on a spending spree as soon as they pay off credit card debt. Soon, these people again land up with a credit card debt and are again trying to pay off credit card debt.
So, it’s not enough to just pay off credit card debt, it’s equally important to maintain a debt-free status even after you pay off credit card debt; only then can you enjoy a stress-free life in the world of credit cards. So learn your lessons well and do not let yourself loose on the path to another credit card debt. Most of the rules that you followed when you were trying to pay off credit card debt, will also hold good after you have paid off your credit card debt.
Here is a quick synopsis of things that you should take care of even after you pay off credit card debt:
1) Do not overspend. Yielding to the sale offers for something that you don’t really need, is a big mistake that leads to overspending
2) Always remain within 70% of your credit limit.
3) Make credit card bill payments in time and in full.
4) Don’t hold more than 2 credit card accounts (two are enough for anyone)
These are just very basic things; you can add more based on your own experience and knowledge.
