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Find a Debt Management Program That is Right for You

By Fred Lannister Subscribe to RSS | April 22nd 2012 | Views:
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Presidents Day is oftentimes referred to as the Black Friday of February, since you can get great offers from retailers nationwide on a variety of goods. You have three days of shopping sales where retailers take as much as 75% off ticket prices on some of their best items. If you're planning on benefiting from Presidents Day this February, it's important to have a good strategy going in to avoid having massive amounts of credit card debt once the shopping is done.

While you can find great deals almost anywhere for Presidents Day, you don't just want to leave and start spending without having a plan in place. You can research online to determine which retailers are having sales and what they're offering. Pay attention to any sort of shopping days or times, as well as any details you might need, such as coupon codes for online stores.

Once you see where you can save, it's time for you to decide what you need and what you can afford. Make a list of all things you want to buy and compare it to the stores you've found with sales. Ensure that you get specific in what you intend to buy-instead of just saying you're planning to shop clothes, identify what specific items you're heading out to buy. This helps avoid returning home with several bags worth of clothing you may or may well not actually need.

With your plan in position, you're ready to shop Presidents Day sales. If at all possible, avoid using credit cards and pay instead with cash or debit. If you do plan to spend money on credit, ensure the charges may be covered in your monthly budget so you're not spending beyond your means. You can even find debt calculators online which can tell you how much your monthly payments will be depending on the amount spent and your credit card APR.

This method, you don't get surprised by a credit card payment you can't afford once the bill comes in.

In the event you spend too much at Presidents Day sales, don't wait to keep up the debt. Ignoring a debt only gives it more time to build interest. Additionally, many debt relief options can't be utilized if you allow an account to go delinquent, because you don't have the cash to pay. If you're having trouble, you need to seek help immediately.

An experienced credit counselor certified by way of the Center for Financial Certification provides the expertise to gauge the money you owe and provide alternatives for debt relief. Many credit counseling agencies are non-profit, so you're able to have your financial troubles evaluated and obtain counsel for free. If you and your credit counselor determine you'll need debt relief they might recommend debt consolidation, like a debt management program. This program allows you to consolidate multiple credit card debts into one monthly payment-often drastically lower than everything you pay now.

Fred Lannister - About Author:
Having trouble with credit, debt, or finances. Want to learn more about debt counseling or debt management program? Check out ConsolidatedCredit.org.

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