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HOW TO RELIEVE FINANCIAL DEBT ONCE AND FOR ALL.  

Sponsored by Freedom Debt Relief.

Having financial debt is more common than you would think. In fact, according to
Business Insider, “The average debt an American owes is $104,215 across mortgage
loans, home equity lines of credit, auto loans, credit card debt, student loan
debt, and other debts like personal loans.” With debt looming it can be
challenging to get ahead financially and make real strides toward your savings.
We understand every situation is different, so we’re looking at a few different
ways you can start to tackle your debt.  

1. Review your debt from a holistic perspective.  

With debt coming from different avenues, it’s important to know what you
owe before you can dig into making changes. For instance, the overall average
credit card debt is around $6,500, according to Experian. Once you have your
different debt channels, you can calculate your totals and review the terms on
each to see your interest rates, minimum payments, and due dates. Keep this
information handy so that you can stay on top of payments and track your
progress going forward.  

2. Determine which method you want to follow to reduce your debt.  

Part of reducing debt is putting a plan in place and sticking to it. With
differing interest rates, types of loans, and terms, it’s important to consider
all factors when determining your plan of attack. Two common methods are the
“Debt snowball method” and the “Debt avalanche method”.   

Debt snowball method: The debt snowball method is centered around tackling the
smallest debt first while making minimum payments on others. Once the smallest
debt is paid off, move to the next smallest. If you’re motivated by quick wins,
this method could be for you.  

Debt avalanche method: Pay off the debt with the highest interest rate first
while making minimum payments on others. This method saves money on interest
which could be the preferred method if you’re looking to save the most money. 

3. Consolidate your debt.  

Make your payments more manageable, possibly increase your credit score, and pay
off your debt quicker by combining your existing debt. According to BankRate,
“As of July 2024, the average credit card rate is 20.71 percent. Meanwhile, the
average personal loan rate is 12.35 percent.” If you have average credit or
better, you could pay less in interest with a debt consolidation loan. If a loan
isn’t an option you’re interested in, you can also transfer balances on credit
cards or use the equity in your home to pay off debts, often at a lower interest
rate. 

4. Build good savings habits.  

Once you’ve started making progress on reducing your debt, it’s a good idea to
simultaneously create savings habits you can use going forward. For example, if
you don’t already have one, begin building out an emergency savings fund. A
study by Forbes found that nearly 1 in 4 Americans have savings below $1,000. If
you can start making progress with your savings now, you’ll be ahead of the game
in no time. Other good habits to take up include budgeting frequently and
avoiding additional debt.  

5. Rely on a professional.  

Our friends at Freedom Debt Relief are experienced in helping people easily
remove their financial debt. Freedom Debt Relief is a debt settlement company
that helps people with unsecured debt settle for less than the full amount
owed. The program includes free debt consultation, developing a payment schedule
and plan, stopping payments to creditors, making one monthly payment to Freedom
Debt Relief, and negotiating with creditors on behalf of the client. It’s a
simple way to remain hands-off and guarantee success.  
 
Financial debt can be unavoidable. If you’ve found yourself in a spot where it’s
difficult to minimize your debt and challenging to put money away, consider the
different options we’ve laid out to make progress toward your goals. By taking
small steps now, you’ll find yourself in a different financial situation before
you know it! Rely on Freedom Debt Relief to help you achieve your goals without
breaking the bank.  

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contributors in this email do not necessarily reflect the opinions, beliefs and
viewpoints of PerkSpot or official policies of PerkSpot. If you feel that any of
this content should not be distributed or would like to provide article
recommendations or any other feedback, please click here.


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End of Summer Deal: Save 35% + $15 off 3+ day rentals with Avis Pay Now! Book
now and save!

Earn up to a $500 Credit when you enroll
Get a $200 Amazon Gift Card When You Get a Loan Through Happy Money
New Members get 50% off Stock Advisor + our new FREE Report "3 AI Stocks that
are...
Earn 5,000 Reward Points with a funded loan through Upstart!
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