The Freedom From Debt Blog

One simple fact that many people do not realize is that, with the way most credit card company’s calculate minimum payments now, there is a direct link between your interest rate, or APR, and your monthly minimum payment.  In other words, a higher interest rate usually means a higher monthly payment, while a lower interest [...]

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As more and more people turn to the internet for their shopping, research, and various other needs, the popularity of online debt consolidation sites (and spam) has skyrocketed.  We generally recommend speaking with an accredited credit counselor who can answer questions, walk you through the process, and help you decide whether consolidating your credit cards [...]

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If you are struggling with high interest rates, rising monthly payments, or high fees on your credit card debt, a DMP, or debt management plan, may be the solution you have been looking for.  If you are behind on your credit card bills, or simply want to get out of debt and are struggling to [...]

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Many of us at one time or another have found ourselves in a position of needing help to pay the bills.  Whether it’s mounting medical bills, rising credit card debt, or simply unexpected expenses, it can be very overwhelming when you do not know where to turn for help.  Many people either panic or simply ignore [...]

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Maybe you overspent your budget over the holidays, or maybe you have been struggling with credit card debt for several months now.  Whatever your situation, if you are in over your head in debt and dread seeing your credit card bills every month, you might be able to benefit from credit card consolidation.  Consolidating your credit [...]

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If you are currently struggling with credit card debt, there are several possible strategies for paying it off.  One possible solution is to consolidate your credit cards through a debt management plan.  There are many advantages to enrolling in a debt management plan, including these 5: Lower Interest Rates – When you pay your credit [...]

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