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And this is where things start to break down.
It can only get worse and that is why you need to deal with it before it becomes a problem.
really important to be able to prioritise the debt you have and that means not just looking at the interest rate that you are paying on each different type of debt but also at the consequences of not repaying the money you owe.
If you don't pay your credit card bill, for example, you'll get a lot of nasty letters from the credit card company and a black mark on your credit rating, but not much more.
But it won't go away. Ever.
That is why you should have done some work on your budget before you call them.
If you don't, then you need to think about Nike Roshe Run All Black Womens
And all of this on top of the fact that we will no doubt have spent more than usual because we've been out partying or bought too many presents.
For that, you will need to take the time to put together a budget. That means having a look at how much you spend every month in detail.
How to deal with Christmas debt
And when you have come to an agreement stick to it.
The starting point to dealing with debt, and not just at this time of the year, is to sit down and have a cool, calm look at how much you owe and when it is due to be repaid.
how to prioritise.
SO that's it for another year and all you have to remind you of Christmas 2013 is a hangover, a few extra pounds around the middle and a few pounds missing from your wallet oh, and perhaps a credit card bill you expect to drop through the letterbox any day now.
Be honest and explain your true situation. And tell them what you are looking for.
If you don't pay your mortgage or your electricity bill, then you will eventually be in danger of being cut off or thrown out of your house.
Most of us have a real problem admitting to debt and the easy option is to sweep it under the carpet.
this month then make sure that you contact your creditors before the money that you are due to pay becomes overdue.
So make a list of all of the bills that need to be paid this month and the following months and compare it against your income for the month.
When you do speak to your creditors you need to have an idea of what you are going to ask them for.
The credit card bills we expect over the next couple of weeks will cause problems for many of us as we attempt to juggle payments due with all of the other bills we have to pay.
Tell them if you want a payment holiday for six months or a suspension of interest, and be able to tell them how you are going to make up arrears.
Top 5 Tips to Get Out of DebtNew Year resolutions come and go and most of us promise to make better use of our money in the year that is in front of us.
You then have to work out how the debt fits into your normal monthly expenditure.
We also promise to make more time for ourselves and lose a bit of weight and exercise more, stop smoking and not drink as much, spend more time with the kids and learn another language and.
It's an awful lot easier to come up with a solution and for your creditors to help you if you tell them you might have a problem before you actually do have a problem.
They may ask you to complete a statement confirming your income and outgoings every month.
Banks and credit card companies generally Nike Roshe Men Blue And Orange do want to help customers in debt, as it is easier to help directly than to involve third party collection agents and even solicitors. But they can only help if they know that you have a problem.
Christmas is the biggest spending frenzy of the year and there is an opportunity, now that it is over, to reflect on your finances for the coming year, as well as to look at the best way to repay thedebt you may have built up in the lead up toChristmas.
Be prepared to give them a picture of your income and expenditure.
And if you think that you're not going to be able to pay all of your bills on time Nike Roshe Run Women Black Tumblr
You will either have enough to pay everything that you need to or you won't.
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