Singapore Credit Help Online


Tips To Avoid Being Maxed Out

Posted in Uncategorized by Administrator on the October 30th, 2008

Budget Planning and Management in Singapore

Posted in Budget Planning and Management in Singapore by Administrator on the October 30th, 2008

Why Budget

Keeping Track:

* There is only so much money from month-to-month. Question: where does it all go?
* A sizeable portion pays for housing, food and basic living. Another portion pays for transportation. But where does the rest go?
* Budgeting allows you to track your monthly expenditures so that you can plan key savings strategies for important short-and long-term goals.

Limits Your Spending:

* Having a financial budget may find that about 5-10% of your total spending may be for purchases that are not needed.
* Think about it. What could you do with that extra 5-10%? Perhaps your future plans include buying your first home, going back to school, saving for your child’s education, paying down debt or simply setting aside cash for a special trip.
* A budget will identify expenses that can be cut so that you can set goals on making important long-term savings.

Discipline Yourself:

* your goal is to rid yourself of instant gratification (the symptom of credit card use). The budget sets guidelines on what and when items can be purchased.

Setting Goals:

* Budgeting supports your financial goals, which may include:

— saving for your first home
— paying down debt
— preparing to go back to school
— planning for retirement

Good budgeting skills add these goals into the budget.

Prepare for Emergencies:

* Question: if you were to lose your job, how long could you survive on available funds?
* If you had to stretch those funds, what reductions can you make in your existing monthly expenses?
* That is the key benefit of a budget. It helps prepare for emergencies with established expense reduction plans.

Budget Planning and Management in Singapore

Posted in Uncategorized by Administrator on the October 30th, 2008

Why Budget

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Keeping Track:

* There is only so much money from month-to-month. Question: where does it all go?
* A sizeable portion pays for housing, food and basic living. Another portion pays for transportation. But where does the rest
go?
* Budgeting allows you to track your monthly expenditures so that you can plan key savings strategies for important short-
and long-term goals.

Limits Your Spending:

* Having a financial budget may find that about 5-10% of your total spending may be for purchases that are not needed.
* Think about it. What could you do with that extra 5-10%? Perhaps your future plans include buying your first home, going
back to school, saving for your child’s education, paying down debt or simply setting aside cash for a special trip.
* A budget will identify expenses that can be cut so that you can set goals on making important long-term savings.

Discipline Yourself:

* your goal is to rid yourself of instant gratification (the symptom of credit card use). The budget sets guidelines on what and
when items can be purchased.

Setting Goals:

* Budgeting supports your financial goals, which may include:

— saving for your first home
— paying down debt
— preparing to go back to school
— planning for retirement

Good budgeting skills add these goals into the budget.

Prepare for Emergencies:

* Question: if you were to lose your job, how long could you survive on available funds?
* If you had to stretch those funds, what reductions can you make in your existing monthly expenses?
* That is the key benefit of a budget. It helps prepare for emergencies with established expense reduction plans.

Health Problems Because of Debt

Posted in Uncategorized by Administrator on the June 30th, 2008

Curb Compulsive Spending

Posted in Uncategorized by Administrator on the June 30th, 2008

Managing excessive debt can be a daunting task for anyone, especially if you are not addressing the root cause of the issue. Ask yourself – Why am I in debt? What am I spending my money on? Sometimes, consumers get into financial trouble when they are faced with unexpected expenses due to such issues as medical debt or unemployment. Other times, a behavioral issue is at the root of the issue. Could you be contributing to your financial debt without realizing the damage you are causing?

World’s Worst Credit Card?

Posted in Uncategorized by Administrator on the June 23rd, 2008

Cash Is King…

Credit Card Offers Have Opt-Out Options

Posted in Uncategorized by Administrator on the June 23rd, 2008

The typical person joining our debt management program is severely in debt or is finding it difficult, if not impossible, to keep up with their monthly obligations. This is usually due to a change in circumstance such as divorce, health problems, reduction in pay, loss of a job or other major financial problems. Many are already behind on payments, struggling to keep up with their commitments and near bankruptcy.
Some have unsuccessfully tried other forms of help before coming to us.

Debt Reduction Lessons – Guide To Getting Out Of Debt

Posted in Uncategorized by Administrator on the June 23rd, 2008

You can blame someone else for why you’re in debt or take responsibility for your own actions – I know it’s more fun to just blame everyone else and act like a victim, but c’mon, time to grow up and realize you ultimately decide what you do, not the rich or the gov’t or whatever.

Stop Buying things you cannot afford

Posted in Uncategorized by Administrator on the June 23rd, 2008

For every piece of crap you buy, you have to throw some other piece of crap out. In other words, the number of pieces of crap must remain constant. After you’ve thrown a few pieces of crap out, you wonder why you bought them in the first place. With practice, you do this wondering BEFORE you buy the crap! Ergo, you don’t buy it!

Life Hit Hard On Credit Debt.

Posted in Uncategorized by Administrator on the June 23rd, 2008

Life may have hit you hard, but it’s not necessarily your fault that debts and bills have become more than you can handle. Things such as INCOME LOSS, MEDICAL PROBLEMS and DIVORCE do happen and can easily push you over the edge. If you are struggling with Singapore legal summons and having problems, our goal is to free you of debt in the fastest most efficient way possible.

www.debtfreelife.biz