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	<title>Debt Negotiation Zone &#187; Specialists</title>
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		<title>My Personal Finances and Debt Settlement</title>
		<link>http://debtnegotiationzone.com/my-personal-finances-and-debt-settlement/</link>
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		<pubDate>Tue, 11 Aug 2009 20:46:33 +0000</pubDate>
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				<category><![CDATA[Debt Settlement Info]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Daily Struggles]]></category>
		<category><![CDATA[Debt Negotiaion Zone]]></category>
		<category><![CDATA[Debt Settlement Articles]]></category>
		<category><![CDATA[Financial Flow Chart]]></category>
		<category><![CDATA[Monthly Minimum Payments]]></category>
		<category><![CDATA[Outstanding Credit Card Debt]]></category>
		<category><![CDATA[Outstanding Credit Cards]]></category>
		<category><![CDATA[Principle and Interest]]></category>
		<category><![CDATA[Specialists]]></category>

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		<description><![CDATA[My Personal Finances and Debt Settlement Do you have Credit Card Debt of More than $5,000? &#8220;A budget is just a method of worrying before you spend money, as well afterward&#8221; Anonymous The major question, you need to ask yourself can I work within a structured budget to get me out of my financial mess? [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 0in 0in 10pt; text-align: center;" align="center"><span style="font-size: small; font-family: Calibri;">My Personal Finances and Debt Settlement </span></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt; text-align: center;" align="center"><span style="font-size: small; font-family: Calibri;">Do you have Credit Card Debt of More than $5,000?</span></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt;"><span style="font-size: small;"><span style="font-family: Calibri;"><em style="mso-bidi-font-style: normal;">&#8220;A budget is just a method of worrying before you spend money, as well<span style="mso-spacerun: yes;"> </span>afterward&#8221; </em>Anonymous</span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt;"><span style="font-size: small; font-family: Calibri;">The major question, you need to ask yourself can I work within a structured budget to get me out of my financial mess? If the answer is yes, then a debt settlement program may be right for you at this time. </span></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt;"><span style="font-size: small;"><span style="font-family: Calibri;">By using a debt settlement program, you will be to stop the endless cycle of making only the minimum monthly payments on your credit cards and making no headway on your balances. This program has you saving a percent or set amount <span style="mso-spacerun: yes;"> </span>each month and as that balance grows, it allows the settlement process to being.<span style="mso-spacerun: yes;"> </span></span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt;"><span style="font-size: small; font-family: Calibri;">Here is an example:</span></p>
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<tbody>
<tr style="mso-yfti-irow: 0; mso-yfti-firstrow: yes;">
<td style="border: 1pt solid black; padding: 0in 5.4pt; width: 95.75pt; background-color: transparent;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">Account</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: 1pt 1pt 1pt medium solid solid solid none black black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">Current Balance</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: 1pt 1pt 1pt medium solid solid solid none black black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">Balance at Settlement</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: 1pt 1pt 1pt medium solid solid solid none black black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">Amount Settled For</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.8pt; background-color: transparent; border: 1pt 1pt 1pt medium solid solid solid none black black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">Settlement %</span></p>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt none solid solid #f0f0f0 black black;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">Creditor A</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">$ 2,500</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">$ 2,750</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">$ 1,350</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.8pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">49%</span></p>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt none solid solid #f0f0f0 black black;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">Creditor B</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">$ 4,000</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">$ 4,500</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">$ 2,250</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.8pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">50%</span></p>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt none solid solid #f0f0f0 black black;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">Creditor C</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">$ 8,000</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">$ 8,500</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">$ 3,350</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.8pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">40%</span></p>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt none solid solid #f0f0f0 black black;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;"> </span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;"> </span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;"> </span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;"> </span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.8pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;"> </span></p>
</td>
</tr>
<tr style="mso-yfti-irow: 5; mso-yfti-lastrow: yes;">
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt none solid solid #f0f0f0 black black;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">Total</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">$14,500</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">$15,750</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.75pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">$ 4,950</span></p>
</td>
<td style="padding: 0in 5.4pt; width: 95.8pt; background-color: transparent; border: medium 1pt 1pt medium none solid solid none #f0f0f0 black black #f0f0f0;" width="128" valign="top">
<p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: normal;"><span style="font-size: small; font-family: Calibri;">31%</span></p>
</td>
</tr>
</tbody>
</table>
<p><span style="font-size: small;"><span style="font-family: Calibri;">As any example, if your current monthly minimum payment are at $750 and this is a struggle but you could pay $450 a month. Then it would take approximately 12 months to become debt free using a debt settlement program.<span style="mso-spacerun: yes;"> </span>Does that see too easy. Will it&#8217;s not!<span style="mso-spacerun: yes;"> </span>It will require a stead fast need to save and control your current spending.<span style="mso-spacerun: yes;"> </span>But by choosing a debt settlement program, you will be free of the constant worry of how do I pay my bills on time and get myself out of debt.<span style="mso-spacerun: yes;"> </span></span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt;"><span style="font-size: small; font-family: Calibri;">As you can see from the chart, you could be able to settlement for almost half of your outstanding credit card balance.<span style="mso-spacerun: yes;"> </span>You need to ask yourself, how long would it take to off of my credit cards by myself? If you make only the monthly minimum, you a basically paying only interest and very little principal. So it could take you more than<span style="mso-spacerun: yes;"> </span>8 years to paid off your debt verses using a debt settlement program.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt;"><span style="font-size: small; font-family: Calibri;">You have already taken the first step in recognizing the need and that there are debt settlement programs such as Debt Negotiation Zone that have specialist waiting to assist you. <span style="mso-spacerun: yes;"> </span>Call today 866.96.3.9988. </span></p>
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