Maplewood Covenant Business Debt Relief: Ten Steps To Eliminate Your Debts

Debt Relief: Ten Steps To Eliminate Your Debts

Debts will subject you to stress and many calls from your creditors asking you to settle your debts. There are strategies that you can adopt if you are in debts. The debt relief option depends on several factors such as the amount of debt you owe. The first step you can take to eliminate your debts is to control how you spend especially using your credit card. Here are the top ten tips that you can adopt for easy debt relief;

Put Down the Credit Card

Minimize the number of times you make purchases using your credit card. Use your debit card instead since you get to pay for what you can actually afford. It also encourages you to spend within your budgets.

Cut Down on Luxuries

Unknown by many people,eating out is a luxury especially if you do that on a daily basis. Cook at home and refrain from eating out; if it’s possible,carry packed lunch to the office.

Balance Transfer

If you have multiple credit cards with high interest rates,consider transferring the balance on the credit cards with high interest rates to a credit card with low interest rate because it will be easy to pay off what you owe.

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Consolidation Loans

Some banks may offer debt consolidation loans that will help you to pay back the credit card debt. You should however note that debt consolidation might not be the best option because you will only be moving all your debts from one creditor to another. Credit settlement is the next best alternative.

Make Extra Payments

If you have extra cash,channel it to paying off your debts. Paying just the minimum amount will not do you any good. As a matter of fact,you will end up repaying your debts for a longer period of time.

Dip into Your Savings Account

If you have accumulated massive debt,you have the option of paying back all of it using your savings. This is definitely not the best option but if you have exhausted all other options,you can dip into your savings. Once you clear your debts,you can start saving again,since you will be debt free,you might save up the money you initially had within a very short period of time.

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Borrow Funds Against the Value of Your Life Insurance

You can borrow against your life insurance if it has cash value. You should however ensure that you pay back the loan.

Get a Home Equity Loan

A home equity loan may help you to get some extra cash. If you have accumulated equity for some time,you may get a home equity loan which you may use to pay what you owe.

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Talk to the Credit Card Companies

If you find out that you may be unable to settle what you owe on time,it would be advisable to talk to your creditors and explain your current situation. They may lower the interest rate or offer other debt relief options that may be suitable for you.

Debt settlement

Of all the debt relief options,debt settlement is arguably the best option. With debt settlement,you will only pay a small percentage of what you actually owe.

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Have you discovered Czech Glass Nail Files?Have you discovered Czech Glass Nail Files?

You’ve never seen a glass nail file like this before.

Introducing Bona Fide Beauty’s Czech Glass Ergofile, a total game changer for comfortable, ergonomic filing.

The ergonomic shape follows the nail curve and thus facilitates precise, comfortable and more effective filing. Due to the large gripping area it ensures very comfortable holding, fast manipulation and the maximal efficiency of filing. Say goodbye to hand and wrist strain or fatigue and take part in a new, stress-free comfortable filing experience. What separates Bona Fide Beauty czech glass nail file from the rest is their gentle grit which avoids all this nasty chipping and devastation.

The unique shape and curved filing surfaces, located within the inner groves of the file, allows you to expertly shape and sculpt nails with precision. Shape your nails into any design you want, from rounded end to a square shape.

Start by placing your nail within the inner groove and curve the file across the nail, expertly filing and shaping the nail.

Bona Fide Beauty’s ErgoFile comes in two unique designs: the Drop Ergofile and the Bow Ergofile. The Drop ErgoFile has one curved filing surface located on the inner groove of the teardrop design, the Bow Ergofile has two curved filing surfaces, one on each side. You can achieve healthy, beautiful nails with Bonafide Beauty Czech glass files.

This is a unique nail file, it does take a little time to adjust to this new way of filing, however, it is well worth it. Never have to worry about your nails.

Hear from some Bona Fide Believers:

Love this file!
“The drop shaped nail file has a curved filing surface. The drop file files a curved edge on the front of the nail which prevents my nails from cracking. I used to lose my hard grown nails regularly, they break rarely now.
I’ve used these files as my only nail files for months. Cleaning them with a little rubbing alcohol makes them like new.
The color of them is amazing too!”

– Verified Purchase, July 2020

Uniquely beautiful and brilliant! Love it!

The Bow Ergofile has the curved file indentation on both sides and it craddles the end of the nail shaping it from all sides making it a natural rounded smooth end instead using a typical file and filing in rounded motions to achieve that look! Also having it on both sides makes it easy to swap hands! Also, start at the outer edge of your nail with the outside of the file moving it inward toward the middle of the nail, repeat opposite side! Do not go back and forth fast as you would a regular file. It’s unique curved shape, you want to go slow a precise to avoid chipping.

– Verified Purchase, Sept 2019

We are here if you need help choosing perfect fingernail files for your nails. Reach out to Bona Fide Beauty for additional information.

Get The Right Price For Toilet Repair By Asking The Right QuestionsGet The Right Price For Toilet Repair By Asking The Right Questions

You already know that you have a leak coming from your toilet in your bathroom and you know that you need to choose a plumber for toilet repair. But the question you ask yourself is “how much should I pay for toilet repair?” Find out what you should pay and what questions you need to ask your plumbing professional for the best deal.

Noisy and leaky plumbing is not something that you have to live with. Any qualified plumber with basic mechanical skills and tools can easily repair a toilet or upgrade to a new water-saving design. Installing a new toilet yourself with a little know-how could only take a couple of hours,but could turn out to be a lot more expensive than you are willing to pay right now. But if you’re looking for toilet repair,then consider these tips before hiring a plumber to do it for you.

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After all,your bathroom should be a source of peace and serenity – not another DIY headache!

So now that you’re ready to hire a plumber to repair your toilet,there’s only one question remaining: how much should you pay for toilet repair? Take a look at the following tips below to ensure that you’re getting the best price possible:

Your toilet is the most important part of your bathroom. Between the toilet leaking water,being noisy,being clogged or overflowing,tank valve filling slow or not at all repairing this type of problem takes plenty of time and professional know-how. The average price for toilet repair from trusted plumbing professionals is between $80 – $500. The difference in price will vary based on experience,type of problem,type of toilet,and in some cases how long you have had this toilet problem. (Note- Listed are approximate repair cost. Please remember that costs from contractor to contractor can vary as much as 300%. Always,always get at least three estimates before making a decision.)

Install new shutoff valve $25 – $65 ea.

Install new toilet $200 – $500 ea.

Replace toilet hardware $35 – $135 ea.

Replace toilet wax seal $45 – $160 ea.

You’ll want to ensure that any plumber quotes include all of the work you need done. When accepting bids for your project,ask your potential plumbers if they include parts and labor in the estimated price.

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Ask if the toilet repair price includes any guarantees and warranties,such as a one to two-year parts and labor guarantee.This ensures that you won’t have to pay a penny more to correct a shoddy repair job.

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The Benefits Of Using AutoPayThe Benefits Of Using AutoPay

Most online credit card and loan services offer their customers an Autopay feature. There are lots of people that use Autopay but there are many that don’t want to have anything to do with Autopay. It’s not for everyone but it does have its benefits.

What is Autopay

Autopay allows customers the option to automatically pay their bill on a certain date each month every month. For example a Citizens Bank customer can pay their car payment via- and have their payment scheduled for electronic debit from their checking account on the 15th of each month.

There is nothing else the customer has to do except make sure they have their loan payment amount in their bank account from drafting.

Won’t Forget To Pay

There are times in any given month that you get busy and forget due dates. If you forget to pay your mortgage payment then you will be hit with a late fee. The autopay features eliminates the prospect of this happening.

Each month like clockwork your monthly payment will be paid on that scheduled due date.

Credit Score Improvement

The positive effects of making on-time payments is your credit score will eventually go up. You won’t have to worry about your credit score at some point if you’re paying your bills on time and reducing debt. The Autopay feature helps a lot with this. Your payments will always be on time.

No More Paper Balance Statements

When you select to pay your bill automatically then you can shut off receiving paper statements in the mail to keep you updated. You can simply login to your account and view all of your information online. There’s a lot of costs that go into you receiving your bill each month so this can be eliminated immediately through the Autopay feature.