A Simple Question We All Wonder - Are Debt Settlement Companies Scams?

Written by Jon Butt

Continued from page 1

The Debt Reduction Guide listsrepparttar internet's best companies known for catering to their debtors, many with a free debt negotiation plan without any obligation to join any service.

As with many businesses and operations, scam companies are as common as taxis in metropolitan areas. Discoveringrepparttar 149383 top debt settlement companies and avoiding debt company scams is best achieved through solid research, thorough review of available resources, andrepparttar 149384 information splashed ontorepparttar 149385 pages of this debt negotiation and debt settlement site.

Remember, if you encounter scam companies or arenīt sure of their legit status contact your Consumer Affairs orrepparttar 149386 Better Business Bureau, watchdogs against debt company scams and advocators of legitimate, truthworthy ones.

With a little legwork, sidestepping scam companies will become a dance.

Helpful experts providing all the usefull advice you'll need for debt reduction, credit card debt elimination, the best online consolidation loans, visit www.the-debt-reduction-guide.com

Getting Past The Idea Of Budgeting & Saving Money

Written by Gregory Thomas

Continued from page 1

Take notice thatrepparttar goals provided are very realistic and practical. You want to establish goals that are attainable in a reasonable amount of time.

Before you start planning how YOU are going to tacklerepparttar 149382 task of budgeting and saving money, take a moment to determine what goal(s) you want to accomplish and a specific time frame for each particular goal. This will give you something tangible to strive for and help keep you focused on task, thus increasing your chances for success.

Here's an example of a practical task along withrepparttar 149383 respective goals:

TASK: Spring Clean The Whole House


week 1 - kitchen; refrigerator, cupboards, monthly menu, coupons organized

week 2 - garage; organize boxes, Xmas decor, scrub/polish floor

week 3 - family room & bathrooms: cleaned, scrubbed, carpet & drapes etc...

Putting Your Plan Into Action


Rememberrepparttar 149384 piano playing example mentioned earlier? No matter how many books or tapes you buy to help teach you how to play, unless you devote serious time to practice, you will not improve and you will not accomplish your goal(s).

Your game plan MUST be put into ACTION! Don't let your wonderfully designed agenda get lost under a heap of papers or collect dust on some obscure counter top.

Put your plan into action!

Just likerepparttar 149385 piano player, you will need to devote focused time specifically to your task in hopes of accomplishingrepparttar 149386 predetermined goals. Keep in mind that only after serious time and effort is devoted to your cause will any real changes occur.

Hopefully this has inspired and motivated you to accomplish your tasks and goals regardless of what they may be. If you need more assistance and guidance, or if you would like access to 50+ money saving articles, newsletters and creative ebooks you can download, stop by and explore our money saving resource at: www.SavingSecrets.com

Best wishes accomplishing your tasks and goals to effectively save and eliminate that ever-present debt!

--- Learn Effective Money-Saving Techniques & Eliminate Your Debt At SavingSecrets.com. Hop on over and you'll find FREE money-saving articles, a monthly newsletter, and even a FREE Ebook download just for stopping by!


You'll agree that budgeting, saving money, and eliminating debt are very appealing ideas. If effectively tackled, these goals can secure your financial status for the future, and allow you to live a comfortable, debt-free life.

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