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canterbury press news and views on the current world the press life without credit – it can be done posted by admin on march 21, 2017 for the past six years i’ve indulged myself, using credit cards for anything i couldn’t afford on my disability income. the credit cards were all maxed out, putting me over $13,700.00 in debt. making minimum monthly payments on my high interest-bearing cards, my balances trickled down. i was even using my walmart card to buy groceries. in december 2013, my disability income was reduced by almost $100.00 per month because my medicare premium is no longer being paid by the state. i panicked because i knew i’d be hard-pressed to pay the minimum payments on all the bills and all my other expenses. i decided to check into a debt management plan. i checked first with one of the companies that make deals with my creditors. they would literally cut my debts down by fifty percent. however, there’s a catch. i would make monthly payments to the credit negotiating company, which they would hold in an escrow account, not paying my creditors until enough money was in my escrow account. i decided against that because i knew i would be plagued by collection calls. after all, creditors expect payments each month. then i contacted a debt management company (money management international) that pays my creditors every month. they were able to negotiate lower interest rates and a payment schedule that i can afford, provided i follow a budget. i will be debt-free in five years instead of the twenty-three years if i were paying the creditors on my own. i groaned at the thought of not being able to use any of my credit cards. all my creditors closed my accounts. i also groaned about following a budget. now that a couple months have passed, i’m discovering that it’s an exciting challenge. i keep track of every dollar i spend. the first month i overspent on food. i have budgeted $200 a month and spent $275. this month i’m not going out for fast-food very often. my new philosophy is “how low can i go?” i’m also able to transfer funds to my savings account, which is amazing for me. i’ve never been a good saver – just a good spender. i now recognize the advantages of having cash quickly on hand to cover unexpected expenses such as car repairs. this is how i am able to put money in my savings account. for example, when i spend $6.00, i deduct $10.00 from my checking account, and note $4.00 for transfer to savings. that makes it simple for me. it adds up surprisingly quickly. saying good-bye to using credit cards was a big step, even though i couldn’t use them very often because i was close to the limit. i feel much better now mow that i know it can be done. if you’re in a similar situation, drowning in debt and making minimum payments, you might want to consider a debt management program. uncategorized 24 hour payday loans- unique cash solution for financial disaster posted by admin on august 5, 2016 it is very ironic to listen to that people usually do not know how to spend their money when include it. within contrary, below the layer pay a great emergency situation when these out of cash. do talked about how much why credit are lower are called fast cash payday loans uk? 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URL analysis for scm-canterburypress.co.uk

https://www.scm-canterburypress.co.uk/feed/
https://www.scm-canterburypress.co.uk/category/uncategorized/
https://www.scm-canterburypress.co.uk/category/the-press/
https://www.scm-canterburypress.co.uk/2016/08/05/
https://www.scm-canterburypress.co.uk/author/admin/
https://www.scm-canterburypress.co.uk/2016/08/05/24-hour-payday-loans-unique-cash-solution-for-financial-disaster/
https://www.scm-canterburypress.co.uk/2017/03/21/life-without-credit-it-can-be-done/
https://www.scm-canterburypress.co.uk/2017/03/21/
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Error for "scm-canterburypress.co.uk".

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WHOIS lookup made at 02:36:42 29-Aug-2017

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  REFERRER http://www.nominet.org.uk

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SERVERS

  SERVER co.uk.whois-servers.net

  ARGS scm-canterburypress.co.uk

  PORT 43

  TYPE domain

DISCLAIMER
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for .uk domain names. This information and the .uk WHOIS are:
Copyright Nominet UK 1996 - 2017.
You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at http://www.nominet.uk/whoisterms,
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or hiding any or all of this notice and (C) exceeding query rate or volume
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  NS2.PICKAWEB.CO.UK 85.13.209.58

  NS1.PICKAWEB.CO.UK 176.58.114.137

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