Already helped 5370 people to start a debt free life

Get help from experts

With proper help you too can

  • Reduce your monthly payment
  • Reduce interest rates
  • Waive off late fees
  • Have single monthly payment
  • Reduce collection calls
Name:
E-mail:
Phone:
Debt:
 
Call (Toll Free)

(800) 530-OVLG

Or
Chat Live
Or
Call me now

Need quick help

(Provide us your phone no. we will call you back.)
Full name: *
Phone: Ext.


secure Why us?
Home » Debt Relief » Debt free guide

Staying debt free: 21 tips for a secured financial life

Debt is one of the most dreaded terms on the planet. It's something that usually comes in with a lot of stress and harassments. Given a choice, anyone would opt for a debt free life, especially if they have ever experienced the debt burden themselves. Yet somehow, emergency situations, unavoidable requirements or momentary impulses may catch you unaware and push you towards debt. Find out how you can avoid such situations, and even if you land up in one, what you can do to become debt free as soon as possible.

Find savings from existing debt

Monthly payment you can afford:

How much people saved More examples »

Saved $6071.26
Saved $6071.26 Jan 30, 2014
Saved $430.31
Saved $430.31 Jan 13, 2014
Saved $325.5
Saved $325.5 Jan 13, 2014

06 Mar, 2014 Review: FR saved $1034.25
Client satisfaction level:
      
* Client names have been changed to protect privacy

How to ensure debt free life for yourself?

You may need to put in some extra efforts, but maintaining a life without debts isn't too difficult. Simple practices, patience and precaution can help you to avoid debts, even when you face emergency situations. Find out the traits that usually help a person to stay away from debts. Develop those traits in yourself so that you can also enjoy a debt free life.

  1. Organize your finances - Keeping track of each and every expense makes complete sense in your daily life. In spite of having ample financial resource, an organized person would never fail to keep track of his finances and thus, always be able to stay in control.
  2. Learn to live stress-free - Debts bring in unnecessary stress on financial and personal lives. If you want a peaceful life for yourself, you would chose to stay away from debts, even if you face extremely tempting situations.
  3. Try to use cash as much as possible - Cash purchases can help an individual to avoid impulsive buying as well as the exorbitant credit card bills.
  4. Set goals for yourself - Financial goals can motivate a person to save more. The more you save, the healthier your finances are going to be. Savings can help an individual to tackle financial crisis in a better way and help him to be debt free.

21 Simple tips to enjoy debt free living

If you're already stressed out with your multiple bills and outstanding dues, you might be searching ways to get rid of them as soon as possible. This 21 Simple debt free tips can show you the way out of your overwhelming debt burden. Check out the following tips if you want a debt-free life for yourself and see if you can put them to use.

  1. Plan your plastic card use: Carrying your credit cards all the time increases the chance of incurring debt. If you leave your cards at home, you can avoid making unnecessary and impulsive purchases, since you'll need to dole out cash from your wallet.
  2. Draw up a monthly budget: No one can deny the benefits of budgeting, when it comes to savings. A well planned budget can result in effective money management, which is one of the initial steps to be taken if you want to be debt free.
  3. Save for the emergencies: You may not foresee specific emergency situations, but you can evidently save up some surplus money to cope with them. Emergency funds can ensure that you can avoid new debts when you face a financial crisis.
  4. Practice self control: Well, this is something you must already know. Impulsive shopping, splurges on luxury items, brand-obsessions etc. can be deadly for your finances. Cut down those unnecessary expenses and you'll see a prominent reduction to your ever-growing debts.
  5. Prioritize your requirements: Make a list of all the essential items that you can't do without. From the next time onwards, prioritize your expenses accordingly, so that you can avoid spending on items you hardly ever need.

Debt-free living is an art in itself. If you're already facing financial trouble, you can put the above-mentioned traits and tips to good use, and get rid of your debt burdens.


Top Questions
Got any queries?

0
votes
0
answers

What should you possibly do to fix your credit score?

My credit score is 512. I have made some wrong decisions in the past and my credit score is the proof for it. It will take some time to fix my credit score. I have almost $10000 in medical debt. What should I possibly do to fix it? ... Read more »


0
votes
0
answers

Why has my credit score dropped by 100 points?

My credit score has suddenly dropped by 100 points? May I know why? I have no collection accounts on my credit report. ... Read more »


0
votes
2
answers

bank business plan change

i wanna request to bank our business plan change. because there is minimum balance charge for maintain minimum balance . so please provide one format ... Read more »

Category: Debt Scams

0
votes
1
answers

When will I receive my credit score?

I'll be making my fourth payment on a credit card in this month. I'll also be making my second payment on a secured loan. Can you please tell me when will I get my credit score? I am using the credit card since November 2013. ... Read more »


0
votes
1
answers

Should you pay in full or try to settle a collection account?

I have a collection account on my credit report. Can you please tell me which one will be a better option in terms of credit score? I mean should I pay off the collection account in full? Should I try to settle the collection account for less than what I owe?... Read more »


Articles: Educate Yourself More »

Crystal Ball Predictions for the Credit Card Industry - What 2014 has in store

A careful study of the predominant credit card trends help us use the cards properly and remain aware of the industry changes. If you want to steer clear of wrong credit decisions, have a look at the credit card predictions for 2014. ... Read more »
Date: 11:15 pm 3rd Apr, 2014
Article Rating:

Money-saving strategies to help women relax in the tax season

Despite the hullabaloo about tax deductions and increases, nothing has much changed for the average women. So, what should a financially smart woman do? Get information about all the tax breaks and take advantage of them as much she can. Read along to know how women can save money on taxes and relax. Gather your papers quickly: The sooner you collect your documents (W-2s, investment papers, receipts, etc.), the better. You'll need these documents at the time of filing your tax ret... Read more »
Date: 03:02 am 13th Mar, 2014
Article Rating:

Save more this year with less expenditure

Yes, it is possible to continue or make a fresh start this year with less expenditure and more savings. If you're wondering how to do so, then remember that savings directly depends on how less you're spending. Therefore, it is a prerequisite to plan a fresh new budget this year. Along with that, check out these 3 important items on which you can spend less in 2014. 3 Items you can expect to spend less this year Price reduction of cars - Market reports are pointing to the fact that th... Read more »
Date: 04:07 am 15th Jan, 2014
Article Rating:

Find out more about bankruptcy adversary proceeding

A bankruptcy adversary proceeding is actually a separate lawsuit that has been filed within the bankruptcy case. This starts like any other lawsuit when someone files a complaint. This someone can be you, the creditor or the bankruptcy trustee. There are quite a few bankruptcy cases that go through both completion and discharge without any adversary proceedings. However, this might not be the case with others. This adversary proceeding might be brought forth to challenge the dischargeab... Read more »
Date: 01:57 am 14th Jan, 2014
Article Rating:

What will you do if you default on Chapter 13 bankruptcy plan payments?

It's not unusual for adverse changes to occur in a down economy. This is why it's common to face extreme situations leading to financial distress as a debtor. What you need is a flexible bankruptcy payment plan. This is provided by the Chapter 13 payment plan so that you can complete all payments on time. Now the next question arises is what would happen in case you're unable to make payments? This might just result in the trustee moving to dismiss your bankruptcy case. Now why and when t... Read more »
Date: 09:07 pm 9th Jan, 2014
Article Rating:

In an effort to better our services, we conduct an ongoing survey. Check out the survey results and see what the existing and past clients have to say about us:

  • Overall satisfaction
    The graph below shows the percentage of people satisfied after they spoke to us.
    Client Satisfaction Rate
    Very satisfied: 71%
    Satisfied: 13%
    Undecided: 6%
    Dissatisfied: 3%
    Very Dissatisfied: 7%
  • Ways to Contact
    The graph below shows the percentage of people using different mediums to contact us.
    Contact Medium Usage Rate
    Telephone: 52%
    Support Request: 17%
    E-mail: 27%
    Fax: 0%
    Other: 4%
  • Customer service
    The graph below depicts the satisfaction level for the less time taken by our team to solve various queries.
    Customer Service Quality Rate
    Very satisfied: 71%
    Satisfied: 14%
    Undecided: 5%
    Dissatisfied: 3%
    Very Dissatisfied: 7%

*Client names have been changed to protect privacy
**Represented feedbacks have been randomly selected from clients who took part in survey organized by OVLG
By Client TD*
profile pic Financial Coach:Shane Rogers
Rated by client: 
Client Relationship Manager:Pierson Silver
Rated by client: 
Preferred Contact Medium:TelephoneOverall Satisfaction Level:Undecided
TD's Feedback: Did,nt ask for phone #ers or addresses? where other places do it.
Suggestion: Take time to ask them question,s so you know how to contact creditor,s.

By Client KB*
profile pic Financial Coach:Shane Rogers
Rated by client: 
Client Relationship Manager:Mark Kelly
Rated by client: 
Preferred Contact Medium:EmailOverall Satisfaction Level:Very Satisfied
KB's Feedback: I was very pleased with the quick responses and how every question I had asked was answered perfectly.

By Client KD*
profile pic Financial Coach:Phillip Kennedy
Rated by client: 
Client Relationship Manager:Sebastian Garcia
Rated by client: 
Preferred Contact Medium:EmailOverall Satisfaction Level:Very Satisfied
KD's Feedback: phillip was excellant on walking me through every step, stayed on the phone as i logged in everything online, i am very satisfied with everything so far, i have been through debt cons many yrs ago & be patient everyone it takes time but i am confident it will all work out , michelle has given me calls for follow-ups so i like that tour not just a #
Suggestion: none so far, looks like everything is on tract

By Client TG*
profile pic Financial Coach:Benjamin Graham Test
Rated by client: 
Client Relationship Manager:Simon Green
Rated by client: 
Preferred Contact Medium:Support requestOverall Satisfaction Level:Very Satisfied
TG's Feedback: Simon Green has been doing a wonderfull job for me.

ipadcontest

Win Ipad Contest

Follow and like OVLG
&
Get a unique chance to win free iPad!! ?


Ipad

Page generated in 2.58 seconds on 18 Apr 2014 at 14:19:23