Debt And Refinancing by Sandra Pays | Tom Straub Publishing

INTRODUCTION

FINANCES AND RELATIONSHIPS
FINANCES AND THEIR IMPACT ON YOUR HEALTH
MAKING A PLAN TO TACKLE YOUR FINANCES

Get Out Of Debt = Break Free Of A Big Ball And Chain!

DISCLAIMER:

CHAPTER 1 - GOOD DEBTS AND BAD DEBTS

TYPES OF DEBTS
GOOD DEBTS

The Problem
The Solution

BAD DEBTS

Can You Turn A Bad Debt Into A Good Debt?
Bad Debts Can Try To Masquerade As Good Credit

THE IMPORTANCE OF MANAGING DEBTS
HOW DO YOU MANAGE DEBTS?

Spend Effectively
Save Money
Plan For Your Future

CHAPTER 2 - CREDIT REPORTS 101

WHAT IS A CREDIT REPORT?
HOW DO PEOPLE USE A CREDIT RATING OR CREDIT REPORT?
WHAT CAN IMPACT YOUR CREDIT REPORT?

Getting A Copy Of Your Credit Report

CREDIT REPAIR SERVICES
OTHER INFORMATION ABOUT YOUR CREDIT REPORT
IDENTITY THEFT
IMPROVING YOUR CREDIT REPORT

Poor Or No Credit

CHAPTER 3 - CREDIT CARDS

HOW TO GET A CREDIT CARD
TYPES OF CREDIT CARDS

Major Credit Cards
No Limit Credit Cards
Store Credit Cards
Line Of Credit
Prepaid Credit Cards

CREDIT CARD DANGERS

Cash Advances
Borrowing From Peter To Pay Paul
The Consequences Of Minimum Payments

EFFECTIVE USE OF CREDIT CARDS

CHAPTER 4 – TYPES OF LOANS

TYPES OF LOANS

Secured Loans
Unsecured Loans
Short Term Payday Loans

APPLYING FOR A LOAN

Co-Signers

MORTGAGES

Down Payments

SECOND MORTGAGES
HOME EQUITY LOANS
REVERSE MORTGAGE
CONSOLIDATION LOANS
WATCHING YOUR DEBT RATIO

CHAPTER 5 - REFINANCING

WHAT IS REFINANCING?

Refinancing A House
Refinancing A Car
Refinancing Your Debts
Pros And Cons Of Refinancing Your Home
Where Do You Go For Refinancing?

CONSOLIDATION LOANS

The Secret To Consolidation Success

CREDIT COUNSELING

What A Credit Counselor Does
Debt Repayment Plans
Credit Counseling And Your Credit Report / Score
Caution Regarding Credit Counseling
The Art Of Negotiation

REFINANCING SUMMARY

CHAPTER 6 – DEBT COLLECTION

HARASSING PHONE CALLS
VISITS
FORECLOSURE
REPOSSESSION
PAY GARNISHMENT
WORKING WITH YOUR CREDITORS
YOUR RIGHTS
HELPFUL GOVERNMENT RESOURCES
A GLANCE AT FILING BANKRUPTCY
BANKRUPTCY PROCEDURES
CHAPTER REVIEW

CHAPTER 7 - STRATEGY TO HELP REDUCE DEBT

HOW DO YOU GET ON TRACK?

Change Your Spending Habits
Follow A Budget
Fixed Expenses
Variable Expenses
Other Expenses You Should Consider

SAMPLE BUDGET
THE ENVELOPE SYSTEM
DETERMINING YOUR VARIABLE SPENDING BUDGET

Tough Decisions
Live Below Your Means

NEGOTIATE

Plan For The Future

CONCLUSION

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Debt And Refinance

by Sandra Pays

Not Yet Rated

Debt And Refinancing by Sandra Pays is a great guide for those first starting out on their own, but is also helpful for those already in debt or trying to avoid future financial difficulties.

Managing your debt is important because money troubles are known to cause stress that adversely affects your health, and are also considered the top source of marital problems and even separation.

So get rid of the ball-and-chain of debt by following the step-by-step in-depth strategy given in this book.

Also discussed is the difference between good and bad debt, using credit cards, different types of loans, when to use refinancing, avoiding debt collection and more.