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About Debtkiller Guy

Debtkiller Guy has been a member since June 6th 2010, and has created 13 posts from scratch.

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Personal Budgeting Is Easy

Introduction
If you’d like a way to both create and manage your budget, try the new Money Tree Personal Budgeting Software. The fact that you are concerned about creating a personal budget is the first step to your financial freedom. Creating a simple budget even if it is only on paper is one of the first steps in gaining control of your spending habits.

Description
Money Tree Personal Budgeting Software is the absolute easiest way to start managing your money. Personal Budget Spreadsheet Template in a format that allows you to simply type in your family’s financial figures. If you are trying to create a personal budget, try our personal budget spreadsheet software from Money Tree Personal Budgeting Software. Creating a simple budget even if it is only on paper is one of the first steps in gaining control of your spending habits.

You need software that works by helping you create a straight forward plan with all of your expenses, incomes, and goals laid out so that you have the clearest possible picture of your financial situation. Where other financial products bombard you with bells and whistles, Money Tree sticks to the no-frills, time proven fundamentals of good money management.

Conclusion
You think financial independence is out of reach for you? Think about it, how can you possibly manage your money if you have no idea where it all goes each month? You need to become disciplined with your money. You don’t make enough money? Think again. The software I have found is like this website, dedicated to helping individuals take charge of their finances and begin achieving financial independence.

Money Tree Personal Budgeting Software comes with a No Questions Asked 60 Day Money Back Guarantee! This means there’s absolutely no risk in trying out Money Tree.

Loan Modification

Loan Modification Documentation Checklist

I had heard of loan modification for many years. In a few cases I actually helped some of my customers with loan modifications. In most cases however, I felt and guided my clients to other avenues that I felt would help them best. However, with the economy and credit and all the other new things going on in America right now, I have taken a second look at this whole Loan Modification idea. After searching high and low, I have found a program that I believe satisfies a clients needs in a straight forward way.

Since the time the world economic crisis hit the American society, numerous American homeowners found themselves struggling to make their monthly mortgage payments due to the increase of their interest rate or because of the households’ significant income reduction. On many instances the things went so bad that some families moved close to facing the horrifying threat of their homes running the risk of being foreclosed.

Lower your mortgage payment and save thousands in payments with Loan Modification Wizard

Solution is offered by President Obama’s Home Affordable Modification Plan. This federal government sponsored program is intended for helping millions of homeowners to save their homes, the more so that it is being participated by the majority of lenders across the USA. Even if the program doesn’t cover all borrowers, still many of those who are able to provide proof of their income along with meeting certain other criteria do qualify for having their mortgage loan modified provided they take the necessary steps and apply for their loan modification instead of waiting in hope their situation will get settled on its own.

If you failed with making one or several scheduled monthly mortgage payments or if you feel the hardships you are experiencing are likely to make it hard for you to fulfill your mortgage repayment obligations in the near future unless the interest rate on your loan is reduced, it is a must that you do not delay with negotiating your loan modification terms with your lender based on Obama’s Home Affordable Modification Plan provisions.

It is important to act promptly before it is too late. You should realize that even if you are a homeowner who has already entered the process of foreclosure, there are still chances your home could be saved at this stage too, because the foreclosure process is bound legally to be stopped for the time you are being considered for the HAMP.

If this is your first mortgage on your primary residence, which originated before 1 January 2009, and if your monthly mortgage payment also exceeds 31% of your gross monthly income, then delay no further and contact your lender as soon as possible and offer them discuss the possibility of working out an agreement on loan modification for you. Currently the US government encourages financially the lenders who offer a loan workout to their clients. With 75 billion dollars in subsidies coming through Obama’s HAMP, there is a monetary incentive for the banks to co-operate with borrowers who qualify.

Here is the checklist of the financial documentation you are advised to have in your disposal while talking to your loan servicer asking to consider you for loan modification under HAMP:

  1. Information about monthly gross income, including recent pay stubs, if you are the borrower who receives salary
  2. Documentation confirming income you receive from other sources, if any
  3. Your latest income tax return
  4. Information about your assets
  5. Documentation confirming any subordinate lien mortgage on your home
  6. Account balances and minimum monthly payments due on all of your credit cards
  7. Account balances and monthly payments on all other debts (say, car loan)
  8. A hardship letter explaining why your mortgage has become not what your can currently afford (for example, your expenses could have increased because of the urgent need to undergo an expensive medical treatment)

These should cover also other borrowers, if any.

Author’s Box: Have questions? Looking for assistance? No need to hire an attorney – you can have your loan modification done with ease using the Loan Modification Wizard, designed to lead you step by step through the entire process of your home loan modification.

The Road To A Frugal Life

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Know your destination. You can’t stay on the path towards your goals if you don’t even know what your goals are.
Have you ever gone into a grocery store without a list? You found yourself wandering up and down the aisles, not really knowing if you are getting what you need or have the money to pay for those things you are buying. If the answer is ‘no’, then this is a lot like your frugal living. You have to know where you are going and what you need in order to follow the correct path.

Step Two: Don’t take every path. You will quickly find that if you follow every single frugal path that you encounter, you will go crazy! It just isn’t possible. Not everything works for every person. It simply depends on where you are at in your life — and how much you want to take on.

Step Three: Keep searching for new paths. You know your destination, but you don’t always know how to get there. Frugal living is an ongoing challenge. There is no end to it. You keep learning and you keep pushing yourself to save a little bit more.

Step Four: Budgeting is your gasoline. You have to know where you are spending your money in order to spend less. It often helps to track every penny that you spend. Right down to the penny. Don’t cheat. Those small expenditures can really add up. Your budget will keep you working towards your goal and spending less each month. Budgeting and spending less is where you can really sit down and see what is necessary and what isn’t. When everything is on paper, it is easy to see the changes that could be made.

Step Five: Save your savings. If you save money on groceries, what happens to it? Do you spend it somewhere else? You should save your savings. Immediately write out a check to your savings account for the money you have saved. This ensures that the sacrifices you made in cutting back really pay off. If you don’t save it, it really isn’t saved money.

Try these little tips out and let us know how they helped. If you have a great budgeting plan you have developed, share it here on the Debtkiller.com website so others may benefit from your understanding and knowledge. And don’t forget to include a picture with your post. We will be more than happy to give you credit!

Click Here for Living On A Dime – Financial Independence Through Better Life Choices

How to Prevent Identity Theft

Here’s the facts: Your personal information is vulnerable to falling into the wrong hands. If you shop online, have a credit card account, a bank account, a job, visited a hospital or Doctor’s office, your personal information is out there; and identity thieves are just waiting to get their hands on it!

According to the Federal Trade Commission’s (FTC) most recent report on credit fraud, over 10 million Americans are victimized by credit fraud and identity theft EVERY year. That’s more than 1 out of every 20 adults in the country!

Credit fraud is becoming so common, it’s not if your identity is stolen, it’s when will it be stolen.

Over the years, we at Debtkiller.com have talked to a lot of people about credit and debt problems. We have seen Identity Theft happen to people in all walks of life. And the purportrators of these crimes are not always strangers. Sometimes they are moms, dads, children, nephews, nieces, grandchildren and next door neighbors. Your need this program to protect you and your family. Click the link below to read more and see a video from  the FTC.

Prevent Identity Theft – Click on this link to learn more about Identity Theft, see a Video and sign up!

When your personal information falls into the wrong hands and is used fraudulently, you may not find out about it for months or even longer. In fact, most victims don’t realize their identities were stolen until they try to obtain a loan or credit card, or worse when the debt collectors begin calling.

According to the same FTC report over one third of all victims of identity theft reported experiencing serious problems in addition to out-of-pocket monetary losses including being harassed by collection agents, being denied new credit, being unable to use existing credit cards, being unable to obtain loans, having their utilities cut off, being subject to a criminal investigation or civil suit, having difficulties accessing their bank accounts, or even being arrested!

It doesn’t end there: Victims of identity theft report spending up to 55 hours fixing the problems caused by the theft of their identity.  Can you really afford to not protect yourself?

So just what can you do to protect yourself and your family?

Until now, in order to protect yourself many people just like you were forced to pay for credit monitoring services that charge expensive monthly fees.  Do you really want to pay hundreds of dollars a year for the rest of your life, just to protect your identity and credit rating?

Try this credit protection for FREE. Click the link below to read more, view a video on Identity Theft and sign up if you wish.

Prevent Identity Theft – Click on this link to learn more about Identity Theft, see a Video and sign up!

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