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“How to get out of debt” – this question is one of the most topical nowadays due to an unstable economy, a high number of unemployed and low living standards in lots of American families. Actually, there are three ways of getting out of debt: stop getting into more debts, spend less than you earn, pay off debt with the difference. Following these steps guarantees you to get out of your debt faster than it seemed to be. For this purpose you can use a list of useful tools and websites.
The first resource that should be mentioned is Personal Money Service Facebook. There you will find priceless tips on how to save money or how to have extra money cash to cover your debt or how to get rid of your loan. What is important, articles are written by real financial experts an people who know the issue and simply want to share their experience. Therefore, you can rely on their recommendations and see the result in real life. It’s really convenient their articles offer real solutions to financial problems and provide useful tools to manage your budget, control your debt or savings.
www.daveramsey.com – is a company headed by Dave Ramsey, who has gone through debt. He overcame lots of difficulties, learned from his own and others’ mistakes and finally started his business earning more than $20 000 per month. He knows everything about debts and now suggests you be debt free! Dave helps Americans and, actually, people all over the world to eliminate debt, create a budget, start saving and be inspired. This service is full of different real stories, tools, tips, classes, coaching from real experts and experienced people. There you will definitely find what you want. A wide range of topics, problems, types of information (video, interviews, individual and group work, tools and online store) and all is available for you. This resource is dedicated to debts and financial problems and helps people to find solutions and ways to overcome them.
www.creditkarma.com – is another useful service for those, who decided to manage their loans and money in general. This tool contains lots of additional services, for instance: Debt Repayment Calculator that will show you how long it will take to pay off your credit card debt, Simple Loan Calculator that will determine your estimated payments for different loan amounts, interest rates and terms or Amortization Calculator that will amortize your debt and display your payment breakdown of interest paid, principal paid and loan balance over the life of the loan. What is more, it offers a Community, where it’s possible to get advice on different topics starting from auto insurance ending credit cards or scores. To cut long story short Credit Karma will help you learn you credit score and subsequently, you will be able to use other options like loans, insurance + various financial tools.
