6 Tips to Clear off Your Credit Card Debt

Are you ready to clear off your credit card debt? Here are some amazing idea to quickly manage your maxed out credit card bills and get out of debt instantly:

  1. Commence by setting an aim

It is crucial to set some realistic goals to pay out your high interest credit card bills and consumer debts. Whilst it is very easy to run balances in a small time period, it takes a lot of time to pay them off. Keep a check on your progress, it will help you stay motivated for your goals.

  1. Freeze your card

Sorry to say this… but in order to get out debt, you need to keep your credit card out of your pocket/ wallet, so you don’t get tempted to use them again. Keep them away in a cabinet or drawer for some time, till you’ve successfully paid off all the outstanding balance. Pay in cash, be conscious about you expenses and think twice before spending!

  1. Rank your debts- Loans, Mortgages, Credit Cards and more

Jot down a list of all your debts (interest rates, unpaid balances and other charges) and rank them in importance order. Mortgage and vehicular payments are the top most considerations as they offer transportation and shelter. Often people desire to clear off the highest interest rate debts first and then payday loans, however, you’ll have to decide your own order

  1. Cut down your expenditures and free some cash

A great way to speed up your debt repayment process is to review your monthly expenditures and find out suitable means to cut down the extra expenses. Track yourspending for 2 weeks and see where the money is actually going. You may be shocked to know that your $3 coffee per day could save you over $1,000 per year.

  1. Go for a debt consolidation loan

With right usage, debt consolidation loan could serve as a remarkable way to get out of debt. Try to consolidate your debt with a consolidation loan. Cautiously read out the terms and conditions as well as the hidden fees and surcharges along with the rate of interest you’re being charged. Make a comparative study of how much you’ll be saving before making this commitment. There are several debt consolidation companies who will explain you the benefits of opting for debt consolidation program. Make sure you choose the right program for yourself.

  1. Plan out your monthly spending

In order to get out of debt sooner and stop credit card borrowings, you need to create a monthly spending plan for your expenses. This will help you live within your means and also help you set up a timeline to know when you can actually get debt free. With a budgeted plan, you can easily maximize your ability to clear you debts in a short period of time.

With these tips, you can actually clear off your debt in a simple and convenient manner without putting a hell lot of pressure on your daily expenses. In order to find out more on economical spending of credit cards, click here!


How to Find Where You Fit on Your College Campus

Whether you go to Marylhurst University or any another college, it can be hard to know where you fit in. You may have trouble where you fit in academically or you may struggle making new friends and fitting in socially. The truth is that college is a completely different environment from what you were used to in high school. You may have been the most popular kid in your high school, but in college, it may all change.

In college, there are a lot more people around and, without a safety net or the comfort and familiarity of lifelong friends, it can be very hard to find your place. However, if you want to fit in and carve out your own niche on campus, there are a number of things you can do.

Of course, you don’t want it to look like you are forcing yourself to fit in, so you want to be strategic. Moreover, you want to take your time; finding your place in college doesn’t happen over night. Here is how to find where you fit on your college campus.

Participate in Various Extracurricular Activities

One way to find your place in college is to join various extracurricular groups and clubs. For instance, there may be a recreational sports team or a charity group. You may also do beach clean up or go to a rally. The best part about college is that you are finding yourself, so if you want to find your place, you have to put yourself out there.

Find an Academic Social Club

Another way to find your place in college is to join a social club. On any given campus, there are dozens of social and academic clubs. For instance, you may want to join a film group. In that group, you will watch films, analyze them and critique them. Also, you may want to try out a literature group, which will give you a chance to read classics and more obscure titles. You never know who you will meet in one of these groups.

Talk to People

Of course, you won’t really find yourself until you start meeting people. You want to meet people because it will broaden your network of friends and acquaintances. The bigger your network is, the sooner you will find your place. The last thing you want is to shut yourself off. If you are shy, then introducing yourself to new people is a great way to put yourself out there and practice speaking up.

Check Out Greek Life

If you are interested in joining a sorority or a fraternity, your place on campus may be in Greek life. Of course, Greek life can be demanding and there may be a lot of challenges, but it can actually be a lot of fun. If you like a lot of excitement, this may be your place on campus.

Start with Your Friends

It may be that the friends you make is your place on campus. If you are friends with the artsy kids, you may want to be in the artsy group. If your friends are in the science realm, maybe science is the place for you. In the end, you want to feel like you belong.

The Truth Behind Life In The UK Test

Those who are interested to make their dream of becoming a UK citizen come true someday will certainly find the next few lines interesting and informative. There is no doubt that England in particular and The United Kingdom in general is home to thousands of foreigners from many countries of the world including continents like Africa, Asian, Australia and even North and South America. Hence it is a very cosmopolitan place which gives room and hope for people to aspire for citizenship in these groups of nations. However, it is not east to fructify this dream and there are many steps and processes that one has to go through.

Pass The Online Exam

The first starting step is to have a look at sites like http://uktestpass.co.uk/life-in-the-uk-test/ and get to know more about the various tests that one needs to go through. They will talk about one particular test which should mandatorily be cleared as a first step.Life in the UK Test is a test that is held online and it lasts for 45 minutes. There will be 25 questions to answer and the examinee must obtain at least 75% to be declared as successful in this exam. Only when he or she passes this exam will they be allowed to go through the other processes.

It is also very important to understand the need to be thoroughly prepared for the exams because it is quite tough and that too for a foreigner who does not have much knowledge about Great Britain, its history, culture and its practices and rules and regulations. Hence it would be better to take help from handbooks offered by the likes of Life in the UK Test sponsors which will help examinees to pass the exam in the first attempt itself. These sites offer the facility to practice the test papers online and there are many permutations and combinations to it.