Once you contact us:
I will teach you budgeting skills so that you can manage your bills in a better way.
I can help you repay your bills through a bill consolidation program.
|provide an initial free consultation||provide an initial free consultation|
|thoroughly review your financial situation||analyze your income and expenses|
|create a budget by evaluating your income and expenses||ask you how much you can pay every month|
|take all your bills into account||lower your interest rates|
|draw up an affordable payment plan||waive penalties and fines|
|forward all your payments to your creditors on time||arrange a simple low monthly payment plan|
|guide you to maintain your finances to avoid debts in the future||Lower your monthly payments|
On-time payments can help you save a lot and maintain a debt-free life. Budgeting is not a one time activity. It’s an ongoing practice you need to follow to lead a healthy financial life. Likewise, you need to follow the repayment plan while paying your bills through a consolidation program.
Bill consolidation is the process of consolidating bills into one monthly payment through a program or a loan. It allows you to make only one payment for all your bills instead of 7 or 8 every month. Usually, your interest rate will be lower than what you’re paying now.
You can sign up with a bill consolidation program to repay your bills. Bill consolidation companies consolidate multiple bills into one simple, manageable monthly payment plan. If you sign up for the bill consolidation program offered by the OVLG, one of my assistants will negotiate with your creditors to lower your monthly payments on credit card bills, medical bills, utility bills, etc. If your creditors agree to lower the interests, my assistant will give you an affordable monthly payment plan. Once those negotiations are done, you can pay all your bills in one payment every month until your debts are paid.
Good budgeting skills help you manage your money better. Thus, my team will help you learn proper budgeting skills.
We stress the importance of learning budgeting skills because of its many advantages. You can get a 30 minute budgeting consultation from us by paying a nominal charge. You will get an alert from us to revise your budget from time to time as we check your progress on budgeting.
Nothing is better than managing your bill payments with effective budgeting. Usually, budgeting can help with bill payments when:
Budgeting won’t help to lower your interest rates or payments. If your main goal is to lower your monthly payments, bill consolidation is the best option. I can help you with both these options.
A thoughtful way to consolidate bills with bad credit is to enroll in bill consolidation programs. The eligibility criteria are easy for these programs. You can qualify for these programs even with a low credit score, and bill consolidation companies won’t charge extra fees for that. So, when you want to pay all bills at a low-interest rate and have poor credit, it’s better to enroll in these programs.
Well, there are various apps you can use to keep track of bills. For instance, Mint, Billtracker, Bills for iPhone, Bill Watch, Bills Monitor, Bill Keeper Pro, Chronicle, Crowd Money, Home Budget Lite, etc.
Study the pros and cons of each app and select the one best suited to help you track your bills properly.
Most of the apps above charge a fee. Plus, you have to monitor them from time to time. But if you sign up with OVLG, I will create a budget for you, note down the bills you have to pay, and forward payments to creditors. You don’t have to do anything.
An automatic payment system helps to make on-time bill payments each month. You won’t have to worry about anything more than making sure the money is in your account. The specified amount will be debited from your bank account, and your bills will be paid each month.
Well, if you’re serious about paying bills on time, there are a couple of things you can do. For instance, you can check your credit reports and make a list of debts you owe. Next, look at your credit card statements and bank statements and make a list of all your recurring bills. Usually, regular bills include utility bills, gym memberships, cell phone bills, etc.
Note how much you owe and when payments are due. Create a calendar and organize the bills by their due dates.
Or just set up an automatic payment schedule with your bank, as we discussed above.
Last Updated on: Wed, 29 Sep 2021