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Bankruptcy: The Power of the Clean Slate

It doesn’t take many clicks online to find writing and advice on how to shape up your finances, even First30Days has a great financial advice section found here. There are...

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Our Reducing Debt Experts

Dave Ramsey

Dave Ramsey

Host of "The Dave Ramsey Show" on Fox Business Channel and...

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Scott Bilker

Scott Bilker

Author and creator of DebtSmart.com

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Liz  Pulliam Weston

Liz Pulliam Weston

MSN Money columnist and author

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Get Organized

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Debt expert Scott Bilker says the first step toward debt elimination is to get organized. He says many people get into debt and stay there because they have a hard time keeping track of their bills. “Have a functional checking account and develop a filing system for all of your bills and debts,” he says. Bilker, a prolific author on the subject of debt and owner of the web site Debtsmart.com, says that debt can bury people, both literally and figuratively. “Some people have that stuff piled up on the kitchen table, and that’s going to be their downfall. There is no way to know what to do if you don’t know where you are.”

Develop a system for handling bills as soon as they’re received. Create a separate file for each bill you pay each month. Open your mail as soon as you get home and find a place for each piece. If you tend to dump your mail in a certain spot, set up bins in that area to sort your mail as soon as you bring it in. Use one bin for junk mail, another for personal mail and another for reading material. Record the amount owed and the due date of each bill in your calendar, and then file bills right away in a “to be paid” folder.

A great way to keep track of bills is to use online banking, scheduling payments and reminders ahead of time. You can even set up automatic payments each month. In addition, using accounting software such as Quicken or QuickBooks is a great way to handle your bills and payments.

This is a great time to get organized. When all that paper is put away, you’ll feel more in control of your surroundings, not to mention your debt.

Posted: 9/19/17
TheresaL

SCAMMERS DRAINED AND RUINED ME FINANCIALLY AND LEFT ME HOMELESS BUT THANKS TO UP START LOAN (upstartloan@yahoo.com).

Greetings to everyone, Life they say is full of deceit. No torture and pain can be compare to what i Theresa L. Bernard experience in the hands of scammers, The most annoying part of it is that someone always post of receiving a loan from them which is nothing but lies and strategy to deceive and extort hard earn money from people. I was victimize several times because of that, After reading a post about them i end up trusting them without verifying, I lost more than $12,500 in the quest of obtaining a loan i sold my car defaulted in my bills but i keep on falling victim my life was a piece of trash full of mess. My kids dropped out of school, My bank denied me credit because my credit score was down already about leaving the bank with a broken heart a staff in the bank approach me and say that there is a financial institution called UP START LOAN that say yes even when banks and other financial institution says no. She advised me to give it a try to be honest i was so skeptical leaving the bank without saying a word to her. It was a month later when my eldest son was hospitalized looking up and down nothing to pay for his hospital bill devastated and confused and then i remember what the bank staff told me and i quickly went to the bank to plead with her and inquire on how to contact UP START LOAN and she gave me the details which are Email: ( upstartloan@yahoo.com ) OR call/ text customer service through +1(574) 301-1639 . After following due procedures and comply to their policy in less than 24 hours my credit of $25,000 got approved and transfer to me. I later apply for a home and startup business loan of $350,000 which i receive and i obtain a home at 2076 Simon St, Philadelphia, PA 19124. UP START LOAN is the best. ( upstartloan@yahoo.com or text/call customer service +1(574) 301-1639. Indeed they say yes when your bank and other financial institution says no.

vicky005

MY NAME IS VICKY AND I AM FROM SAN DIEGO CALIFORNIA,I WANT TO SHARE A
TESTIMONY OF A SPELL CASTER WHO REUNITE MY MARRIAGE WENT HIS POWERFUL SPELL
CASTER.AND I ALSO WANT TO USE THIS OPPORTUNITIES TO WARN THOSE OUT THERE
READING FAKE TESTIMONY ON SOCIAL NETWORK.BECAUSE I HAVE BEEN SCAMMED BY SO
MANY FAKE SPELL CASTER. BE CAREFUL HERE BECAUSE NOBODY CAN HELP YOU HERE OR
EVEN SUGGEST HOW YOU CAN GET YOUR EX OR LOVER BACK, TESTIMONIES OF MOST
SPELL CASTER HERE MUST BE IGNORE.BECAUSE MOST OF THEM ARE SCAM I MEAN REAL
SCAM WHICH I WAS A VICTIM OF BEFORE, I GOT RIPPED OF THOUSANDS OF DOLLARS
BECAUSE I WAS SO ANXIOUS TO GET MY HUSBAND BACK AFTER HE LEFT ME FOR OVER 2
YEARS WITH MY 7 YEARS OLD SON HARRY,I HAVE APPLIED TO 5 DIFFERENT SPELL
CASTER HERE AND ALL TO NO AVAIL THEY ALL ASK FOR SAME THING SEND YOUR NAME
YOUR EX NAME ADDRESS AND PICTURE PHONE NUMBER ETC WHICH I DID OVER AND OVER
AGAIN AND MOST OF THEM WERE FROM WEST AFRICA UNTIL I SAW A POST ABOUT DR
ALEXZANDER SPELL AND I DECIDED TO GAVE HIM MY LAST TRAIL.HE ASK ME FOUR
THINGS MY REAL NAME,MY EX AND MY EX MOTHER NAME AND SAID MY EX WILL COME
BACK IN 48HOURS, I HAVE SPEND ON SPELL CASTING AND NOTHING HAVE WORK FOR ME
AFTER 2 DAYS I WAS THINKING ABOUT HOW MUCH I HAVE LOST SO FAR SO I SAID LET
ME GIVE HIM A TRY SO I CALLED HIM AGAIN AND SEND MY REAL NAME,MY EX AND MY
EX MOTHER NAME. BECAUSE I SWEAR IT WAS MY LAST TRY SO I WAS WAITING AS HE
TOLD ME TO WAIT TILL NEXT DAY AND I COULD NOT SLEEP THAT NIGHT BECAUSE I
REALLY LOVE MY HUSBAND AND WANT HIM BACK SO MUCH, THAT DAY I SAW MY HUSBAND
WAS ONLINE ON FACEBOOK AND HE SAID HI AT FIRST I WAS SHOCK BECAUSE HE
NEVER TALK WITH ME FOR THE PAST A YEAR AND 11 MONTH NOW I DID NOT REPLY
AGAIN HE SAID ARE YOU THERE? I QUICKLY REPLY YES AND HE SAID CAN WE SEE
TOMORROW I SAID YES AND HE WENT OFF-LINE I WAS CONFUSED I TRY TO CHAT WITH
HIM AGAIN BUT HE WAS NO MORE ON LINE I COULD NOT SLEEP THAT NIGHT AS I WAS
WONDERING WHAT HE IS GOING TO SAY, BY 9.AM THE NEXT MORNING HE GAVE ME A
MISS CALL I DECIDED NOT TO CALL BACK AS I WAS STILL ON SHOCK AGAIN HE
CALLED AND I PICK HE SAID CAN WE SEE AFTER WORK TODAY I SAID YES SO HE END
THE CALL. IMMEDIATELY I GOT OFF WORK HE CALL ME AND WE MEET AND NOW WE ARE
BACK AGAIN I CALL DR ALEXZANDER THE NEXT DAY THANKING HIM FOR WHAT HE HAS
DONE IN FACT I STILL CALL HIM AND THANK HIM AS MY LIFE WAS NOT COMPLETE
WITHOUT MY HUSBAND PLEASE BE CAREFUL HERE I HAVE BEEN SCAM THOUSANDS OF
DOLLARS IF YOU WANT A TRUE LOVE SPELL THEN CONTACT..alexzanderhightemple@gmail.com or check him on his website.Link