Debt Solutions Helped - Now, Don't Repeat History!

We don't call ourselves Debt Solutions for nothing. So, of course we would say you've made a wise decision to consolidate your debt. You've already begun to enjoy that single monthly payment.

Well, don't make the mistake that many do: With the extra money they have each month, they get a little crazy. Start spending a little here and a little more there. Before they know it, they've fallen into a the same pattern that got them into debt in the first place: a case of the gimmes. Gimme this, gimme that. And once the spending gets a little wild, the next thing you know, you're pulling out the plastic again. If this has begun to describe you, we have just one word for you - STOP!

Your Future Can Be Different

A different future can start with a little self-analysis, a little look-see at what created the debt trouble that a Debt Solutions consolidation loan helped get you out of. Get a pad of paper, you and your spouse. Make a list of the difference purchases you made that got you into debt. Maybe it was a couple of major things you had no control over - major medical bills or a student loan that helped you finish school - great. You're not likely to see those kinds over debts again any time soon. But what about the little things that started to add up over time: 42" TV for the Super Bowl party, that trip to Aruba for Spring Break '05, that bigger diamond for your 10 th anniversary? Who doesn't want nice things? Sure, but now is the time to let the lower monthly payment from your consolidated Debt Solutions loan help you save for those wonderful expenditures that you'll always remember...

So, choose to start a savings plan as part of a larger budgeting plan.

Debt Solutions Budgeting Helps

Set aside 10% That's right. Every check. Ten percent put into a savings account. More if your Debt Solutions consolidation loan allows it. You will be absolutely shocked - and proud - of how quickly your savings will mount.
Limit your spending If you don't need it, then don't buy until you've saved for it. Don't make exceptions unless it's an emergency. A Super Bowl party is not and emergency!
Use cash Use cash, not credit, not even debit. Cash customers actually spend 30% less on shopping than those using debit or credit. Can you believe it! Why? Because if you leave the house knowing groceries for a week cost about $200, and you bring $225 in cash, you won't be able to spend $275 because you had the munchies and saw that nifty cooler on wheels! Look at it this way: If you don't have the cash on hand, you probably don't need it.
Buy things at a discount Join a couple of wholesale shopping clubs. It might seem an exception to the rules, but it's not. Trust us. You can save big time that way. And look for sales, close-outs, and clip coupons. The savings can be big, especially over time.
Don't eat out (often) Nobody wants you to live like a miser or stop enjoying life. Going to restaurants, especially for parents with kids, can be a great night's entertainment. But did you know that only about 50% of the average family's food budget is for groceries! Can you believe that? Fast food, expensive coffees, big gulps at the quick mart, a diner stop here, some fast food there - it all adds up, and fast.