I am working with a non-profit to help people in the community with debt consolidation and budgeting. I am looking for tips, suggestions, strategies and proven methods for debt consolidation/credit counseling. Also, in need of assistance brainstorming for budgeting for people of various ages and lifestyles including money saving ideas on:
mortgage/rent
homeowners/renters insurance
property taxes
home repairs/maintenance
home improvements
electricity
water/sewer
natural gas/oil
cable bill
internet service
telephone land line
cell phone
college tuition
groceries
eating out/restaurants/lunches/snacks
child support
alimony
day care/babysitting
insurance(medical,dental,vision)
medical expenses/ co-pays
Fitness(yoga, massage, gym)
car payments
car gasoline/oil
auto repairs/maintenance/fees
auto insurance
transportation(tolls, buses,subway)
credit cards
student loans
other loans
clothing/dry cleaning
toiletries, household products
gifts/donations(e.g.)church
grooming(hair, make-up, other)
miscellaneous expenses
Please any help is greatly appreciated!
Asked by:grimseraphim
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Call and ask every six months and say:
“Hello my name is _________ and I’m calling to have my APR lowered”
Stop speaking and let the representative answer.
Do this every 6months wether you are approved or not.
Also ask for credit limit increases every 6months. Only call every six months and ask for a credit limit increase(this will help to boost your credit score)
well u could have them get another credit card and transfer the balance of the old card to the new one, sometimes new credit cards allow transfers to be intrest free up to a year.
Find a new career and a job that you are qualified for.