"Debt help"- helping you to stay debt free!

I have been writing reviews and posts about the sites which educate you to stay debt free, as "financial freedom" is everyone's goal. Most of the links provide you FREE tips, advice or techniques for a debt free life.

"Debt help.net" is a non-profit debt consolidation company.
(TIP: Whenever you see a site name which says that it is a non-profit company, without any hesitation you can bookmark that site and get Free but honest and reliable tips from it.)

Debt help offers you free debt help, advice to lower your high interest rates and credit card fees from the government.

What the site offers:

Helping you:
- In lowering or eliminating interest rates,
- lowering payments
- to stop collection calls
- restoring your credit rating

The site has provided a FREE non profit debt help analyze tool where you can simply fill up the space and get the advice, or you may call them for help.

In "Debt free tips" site suggests:

"Avoid high-interest credit cards

The first rule to staying away from debt: Don’t get a credit card! Many young people, especially college students, see a credit card as an easy way to spend a few dollars without dipping into their savings account. However, in the long run, making decisions like this could ultimately lead to debt. But it isn’t just college kids making these decisions. Every year, millions of Americans rack up costly credit card fees during the holidays. Others use high-interest credit cards to pay for education, additions to their houses, even a new car. Making large purchases on a credit card without having the financial means to pay the loan back later will land you directly into debt. So consider the purchases you make and only make them if you can pay with cash.

Learn to pay your bills on time

There’s nothing worse than paying money for something when you don’t have to. Would you pay extra for a dinner that took you 15 minutes to eat instead of 10? Of course not. So why would you want to pay an extra fee for paying any of your bills a few days late? Naturally, everyone has certain times in their lives when money is not a luxury and certain priorities take precedent. But, when such cases arise, you should always try and find other options to be sure your bills are paid on time. Can you skip the fancy dinner on Friday or stay in on Saturday instead of catching the latest movie? By doing so, you might be able to pay off your credit card a few days early. Sure, it doesn’t sound exciting, but you’ll thank yourself when you avoid unnecessary surcharges and late fees later.

Don’t buy that!

It can’t be stressed enough: Credit cards are not to be used to purchase items that you cannot otherwise afford. In this day and age, a credit card can be very useful when used properly. You can pay your bills online with a credit card, send your mom some flowers or even get through checkout at the grocery store a little quicker. But a credit card can be a very dangerous thing. Student loans, car loans, mortgages and other loans can also be dangerous when not used properly. Only take on a level of debt that you feel comfortable paying. Find out how much your monthly payments will be and see if the total amount will figure into your monthly budget without a problem. And don’t make purchases that you simply cannot pay back in a timely fashion. Instead, set up a system to save enough money to make the purchases outright.
These simple tips will allow you to stay out of debt in the long run."

For the archives: link

* In Credit help it says:

"Good and bad debt
Not all debt is bad debt. It's important to know whether you have good or bad debt before seeking credit help. If you have a lot of debt because you purchased an expensive car or house, you may not need credit help. If you can't afford your car payment or mortgage, consider selling your home or car for a less expensive one. Good debt is debt that pays for items that have a value and enrich your life.

If you can't pay the minimum
If you can't pay the minimum amount owed on a credit card then you know you are over your head. It can literally take decades to pay off a credit card if you only pay the minimum balance because of accrued interest. If you want to get out of debt, you have to pay as much as you can toward your credit card with the highest interest rate first, and then work your way through the rest. If you are unable to buy groceries at the end of a pay period, then you know you need credit help. You should never have to use your credit card to pay for fast food, groceries or entertainment because you are broke.

Low credit score
If you have a low credit score, it can hurt you in several ways. First, you may be given a higher interest rate when you try to buy a car or get a credit card. Also, you may not qualify for loans you need. To reverse the problem, make sure you don't have a balance on a credit card that is more than half of your credit limit. In other words, if you are allowed 10,000 on the card, don't run up a bill that is more than $5,000. Also, never have a late payment. You don't typically need more than two credit cards to establish good credit so know when to say, "No."

Relationships falling apart
You know you need credit help when your relationships are falling apart all around you and you are always arguing about money with a spouse or roommate. Money problems are one of the leading reasons people get divorced. If you find yourself spending money and hiding it from a spouse, you have a problem. You should be able to be open and honest about the money you spend and the money you save."

There are a lot of more articles at the site. Just go to the site and learn to be debt free.

*Debt help.net