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If you want to make better financial decisions in 2021, you should start following personal finance influencers. Social media is a powerful tool, and we think it makes sense to use it to learn new skills and encourage ourselves to make smarter decisions.
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If you have short and long-term financial objectives, try running a SWOT analysis on your finances to pinpoint your priorities and highlight where you could make improvements. A SWOT analysis is a strategic matrix developed to help businesses identify things standing between them and their goals. It’s also a great way to distill down your priorities when making important decisions. Although originally intended for organizations, the exercise can be useful for all types of goal setting and analysis.
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Feeling defeated by 2020? Perhaps you are hoping that 2021 will bring you a brighter financial future. The symbolism of passing from one year to the next invites us to enact changes in our lives and can be a great opportunity to jump-start fresh goals. If ditching debt is something you’d like to address in the new year, consider following this advice.
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Calls from your creditors may increase when you begin a debt settlement journey because they take notice when you change your payment habits. In most cases, it’s best to let unknown calls go to voicemail and block calls during debt settlement that may be related to your enrolled debt.
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Prepare for 2021 with a few money moves that will give your finances a leg up in the new year. Whether you are preparing for tax season, managing your investments, or making decisions about your retirement and health savings accounts, these tips will help you get the most out of your money.
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When you enroll your debt with a debt settlement program, you’ll begin saving money into a Dedicated Account every month. These funds are used to pay your creditors and cover your debt settlement program fees. Our fees are based on a percentage of your enrolled debt at the time of starting the program and range from 15%-25%. Including fees, debt settlement could reduce your total amount paid by 60% or more when compared to paying off debt by making minimum payments.
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Delaying payment to your creditors is an essential step in your journey toward debt settlement. When you decide to delay payment on your enrolled debts, it is normal for your credit score to drop. This pause in payment gives us the leverage we need to negotiate your settlement and puts you back in control of your debt.
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When you begin a debt settlement journey, you may be surprised to discover that an essential part of the program involves delaying payment to your creditors. Instead of making monthly payments on each of your enrolled debts, you make one monthly deposit into a Dedicated Account that will be used to pay your debt settlements throughout the program.
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Decorating your home, buying gifts and making elaborate holiday meals are just a few of the things that make the holiday season so special year after year. Holiday fun is a great escape from the doldrums of everyday life, but all that fun and diversion can get pricey. Instead of spending on the holidays and worrying about the debt later, we recommend following some planning guidelines. Your holiday season doesn’t have to be totally debt-free, but these tips will help you spend what you can afford to pay back.
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Filing for bankruptcy is an important decision that is usually made under stressful circumstances. If you are overwhelmed by your debt, default is a legal process that could relieve you of your financial burdens. In the short term, filing for bankruptcy could stop a foreclosure or car repossession, protect your wages from garnishment, or keep your utilities from being turned off.
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