How to Handle and Avoid Credit Card Debt Written by By Laurel Fisher Continued from page 1 Many companies offer debt consolidation loans; if you have a lot of debt on several different cards, debt consolidation may be a good option for you. Other types of debt, including medical bills, can be consolidated at same time. If nothing else, consolidation makes paying back debts easier, since you have fewer checks to write each month and less chance of forgetting to pay. Even better, most people are able to lower their combined monthly payment and APR by consolidating. Just make sure you pay back as much as possible every month, even if you are not required to pay as much as before. And do not rush into consolidation; take your time looking for best deal. Credit card debt is not end of world, but if it is not handled responsibly, credit card debt can be end of your financial security. For more Credit Repair Tips, please visit us at Helpful Home Ideas. Johann Erickson is the owner of Online Discount Mart and TV Products 4 Less. Please include an active link to our site if you'd like to reprint this article. He is also a contributing writer for sites such as Helpful Home Ideas Debt Consolidation with Free Government Grants? One Scam to Avoid Written by Charles Essmeier Continued from page 1 in global water distribution to aid you in your quest with a grant. It’s doubtful that you’ll find an organization that’s interested in helping you pay off your Mastercard bill or funding your dream vacation home in Sun Valley. Some of these organizations that advertise grant information are running scams, and they’re just out to take your money and run. Others are fairly legitimate in that they will provide information to you for your fee, but information they provide is readily available elsewhere for free If you are really interested in grant money, there’s no reason to answer to ads on TV promising “free grant money.” The term “free grant money” is a rather odd term, anyway, since word “grant” means “bestow” – it’s a gift, and if it’s a gift, then of course it’s free! You can find out about grants from Federal Government by visiting official Government grant Website – www.grants.gov. If you are in doubt about one of these organizations, it never hurts to check with your local Better Business Bureau. ©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including http://www.End-Your-Debt.com/ and http://www.HomeEquityHelp.net/     <Back to Page 1   ImproveHomeLife.com © 2005 Terms of Use