Best Debt Consolidation Loans Plus Great Tips



Are you looking for the best debt consolidation loans? These types of loans are found when you compare the different annual percentage rates (APR), payment amounts, and years it will take to pay off the loan.

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Going back to talking about the best debt consolidation loans. I have included a calculator on this page for you to calcualte the best debt consolidation loans that you found. This calculator is designed to help you understand the loans more.

Loan Calculator
Free loan calculator by Bankrate.com

Now that you have calculated your debt, you want to make sure that you have your financial house in order with the use of a budget. If you are thinking about becoming wealthy, here is some advice. How can wealthy people stay wealthy if money is constantly flowing out of their pockets? The answer is simple: Wealthy people cannot have wealth for too long if they do not have a budget. This is why people need to control the money they have if they want to live a better financial life.

Believe me, when you do not have a budget set up, more money than you realize is going out the door in unnecessary expenses. Examples of unnecessary expenses are going out to lunch every day, buying snacks or drinks from the machines at work, and constantly spending money at restaurants. Yes, we all like to spend money. Just be careful because a lot of these things are unnecessary to spend money on.

Therefore, having a budget in place helps you to become disciplined. Tip: you most likely will have more money if you stick to a disciplined budget.

Here is an example of a quick broken-down budget that is used on a monthly basis.

Income per month - $2,000

Expenses per month - $1,300

Left over per month - $700

Save - $100 per month (separate savings account)

New amount left over per month - $600

Divide $600 by 30 days (month) = $ 20 per day to spend.

By memorizing the $20 to spend maximum per day, budgeting becomes a little bit easier. If you end up spending two days’ worth of money, which equals $40, you do not spend any more money for two days. For example, on Monday, if you spent $40, you would not spend any more money until Wednesday comes around.

If you did not spend the $20 one day then you can save that money for a bigger purchase or do what you want with it. Having a goal in place for the money you do not spend. If you save it in your separate savings account, your money starts to add up faster. Then, you will start making some faster progress saving money.

Now that you understand how to caluculate your best debt consolidation loans and you know the basics of a budget, it is time to share with you how to make extra money.

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