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Word Count: 356 Character Width: 60 Resource Box: Debt-Free For Life
If you are struggling with money and debt here are some things you can do to help. Admit to yourself that you have to much debt. It is very easy to strugle on each month robbing Peter to pay Paul without getting to grips with the problem. If you are spending more than 10%-15% of your income (excluding a mortgage) on debt repayments you are probably financially stretched. List out how much you owe on credit cards and loans etc. It will come as a shock so be prepared! Also list out what the repayments are on each. Check if your spending on debt servicing is higher than 10- 15 % of your income.
If it is, here are some options to sort out the problem. If you can, increase your income. You may be eligible for government money such as tax credits or help with council tax or rent if you are on a low income. Alternatively you may be able to get a part time job or rent out the spare room.
If it is not possible to increase your income you need to look at ways of reducing your spending. Are there things you can cut down on? Start buying cheaper products at the supermarket. It is amazing how much your grocery bill can be reduced by buying "own brands".
If increasing your income or reducing your expenditure is not possible or insufficient then write to the people you owe money to and explain the situation and ask them to suspend the interest so that you can start to reduce what you owe them. This is known as an informal arrangement. More formally you can arrange for a legally binding agreement with your creditors called an Individual Voluntary Arrangement. This will often reduce the total amount you owe by a considerable amount. The other main way of getting rid of uncontrollable debts is bankruptcy, this has been made easier and simpler of late. You should get some advice about these options from the local Citizen's Advice Bureau.
The main thing to do if your are struggling financially is to do something about it Wholesale A. J. Cann Jersey , before it gets worse.
=========================================================== Debt is not your fault. Learn how to get out of it and prosper. The acclaimed Debt-Busting Manual "Debt-Free For Life: Prosperity For the Rest of Us" is available here... > ===========================================================
About the author: =========================================================== Debt is not your fault. Learn how to get out of it and prosper. The acclaimed Debt-Busting Manual "Debt-Free For Life: Prosperity For the Rest of Us" is available here... > =========================================================== >Adding Beauty & Security to Your House with Proper Fencing Posted by Novescoca on November 20th, 2013
Make the most of the backyard by adorning it with a beautiful and secure fencing product. Turn your backyard into something that is inviting and alluring, families love to spend time outdoors Wholesale Cam Robinson Jersey , have BBQ parties etc.
Proper fencing can add beauty and protection to your house in the following ways:
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2. Make your backyard appealing and very private with these fences Wholesale Telvin Smith Jersey , get a cozy outdoor with some inexpensive outdoor furniture and potted plants and you are left with the most exciting outdoor space for your kids, for a romantic dinner, for parties and just to relax on a holiday and have a cup of coffee.
3. Decorative fences in wood and vinyl add to the entire look of the house and makes the house look perfect.
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5. Privacy Wholesale Blake Bortles Jersey , curb appeal, noise reduction and security, are the benefits of a fence but proper planning to purchase is a fence that is apt for your space is equally important.
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8. It also keeps stray animals away from your pool and garden.
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