Dumping Dept So You Can Afford To Buy a Home~A Common Sense Perspective!
Every year millions of Americans set a resolution to pay off their credit card debt. Few actually succeed. If this is your life, then here are a few tips to help. All they take are a little discipline, a plan of action, and following through with that plan.
Tips for Dumping Debt:
•1. Cut up the credit cards. Crazy I know, but if you don't have them you can't use them. Carry cash instead or use a debit card.
•2. Call your creditors and discuss lowering your rates, or cut deals to payoff.
•3. Build a debt snowball. Pay a little extra each month to pay off your credit cards ( lowest balance/highest interest rate first then add that payment to the next.)
•4. Visualize what it feels like to be debt free. You can do it.
Use these tips and you will be on your way to a better financial future and the ‘dream' of homeownership.
Cindy Cranston and Faye Taylor are REALTORS© with Keller Williams Heritage living and doing business in the South San Antonio, Floresville and La Vernia, Texas market. We represent both homeowners and home buyers in these areas.
The Total Edge Team is ‘Your Key to a Competitive Edge in the San Antonio, La Vernia and Floresville Real Estate Market!'
Total Edge Team
Cindy Cranston
Representing Home Buyers, and Sellers.
Specializing in San Antonio, La Vernia, Floresville real estate.
Keller Williams Heritage - Agent
Cindy's Cell 210-373-8634 Email TotalEdgeTeam@gmail.com Website www.TotaledgeTeam.com "Total Edge Team, Your Key To A Competitive Edge When Buying Or Selling Real Estate!"
Cindy Cranston and Faye Taylor are the Total Edge Team Realtors® with Keller Williams Realty Heritage living and doing business in the South Texas, San Antonio, Floresville and La Vernia, Texas market. They represents both homeowners and home buyers in these market areas.They specialize in military family and distressed properties. They enjoy the great rewards gained by helping our military heroes and their families buy or sell their home, and assisting distressed homeowners to sell their home and avoid foreclosure.
Cindy has been involved with the United States military her entire life; First as a proud military brat while her father served, then as a Medical Technician in the Air Force, and for the past 14 years as a military wife to her career military husband.
Cindy~ 'Having been around the military my whole life gives me a unique perspective on the challenges that face a military family. I am uniquely qualified to understand this situation from all angles, and enjoy helping relieve some of the burdens caused by your military PCS.'
Faye has earned a Certified Distressed Property Expert (CDPE) designation from the National Association of Realtors®. The CDPE designation makes her uniquely qualified to assist homeowners who risk losing their homes. She works diligently with loan mitigation, asset managers and the homeowner to find an alternative to foreclosure.
Faye~ 'Working with homeowners and families to help them avoid a bank foreclosure is truly rewarding. The prospect of foreclosure can be financially and emotionally devastating, it's important to understand your options. CDPE has equipped me to help homeowners navigate this process and guide them to their best course of action.'
Lots of good tips... It is a great feelilng to get debt under control.
This is especially important for young people to "clean-up" their debt and position themselves for the time when they will want to apply for a home mortgage. Irresponsible spending habits have unintended consequences that can be difficult to to recover from.
Cindy: Debt Free may become a trend for the next generation, just as it was for many of our parents who lived through the depression years. So yes cut up those credit cards and think about saving some money for the future.
great advice Cindy - It's not yours unless you own it free and clear was what my immigrant parents taught and it's a timeless lesson that got lost somehow.
Sincerely,
grace