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Blog – Debt Consolidation and Personal Finance Advice


  • Five Smart Ways to Use Your Bonus Money

    By

    Tim Saighani

    on

    April 8, 2020
    Topics: Personal Finance

    While it can be tempting to use your bonus cash to splurge on something you would not normally buy, spending wisely will help you find long-term benefits from every dime.

  • How to use Your Credit Card Like A Debit Card

    How to use Your Credit Card Like A Debit Card

    By

    Tim Saighani

    on

    April 3, 2020
    Topics: Credit Card

    The number one way to ensure you use a credit card to your advantage instead of your detriment is to treat your credit card as if it were a debit card. Here, we tell you just how to do that.

  • The Starbucks Effect: Don’t Let Little Luxuries Send You Into Debt

    The Starbucks Effect: Don’t Let Little Luxuries Send You Into Debt

    By

    Tim Saighani

    on

    March 31, 2020
    Topics: Money Saving

    We sure love our little luxuries – but what we don’t love is how much they can cost us. When it comes to budgeting, it’s okay to have a little fun – but are those daily $3 coffee stops really necessary?

  • Five Ways Americans Spend Their Money

    By

    Tim Saighani

    on

    March 27, 2020
    Topics: Personal Finance

    The average American household spends approximately $53,000 each year – a number that is close to 75% of the mean American income. This raises the obvious question: Where, exactly, is all of this money going?

  • How to Choose A Credit Card Wisely

    By

    Tim Saighani

    on

    March 24, 2020
    Topics: Credit Card

    There may be times in your life that warrant opening a new credit account. Before taking the plunge, here a few things to consider.

  • How to Start Your Journey to Financial Freedom

    By

    Tim Saighani

    on

    March 19, 2020
    Topics: Debt Relief

    With discipline, commitment, and a really good plan, anyone can become financially independent: It is not just an option for the wealthy.

  • What is The FIRE Movement?

    By

    Tim Saighani

    on

    March 17, 2020
    Topics: Money Saving

    Dreaming about leaving your job, spending your days doing what you want to do, living on a remote island, or traveling the world? What if you could have all of these things – and soon?

  • The Cost of Credit Card Rewards

    By

    Tim Saighani

    on

    March 9, 2020
    Topics: Credit Card

    Have you been tempted by a new credit card that offers incentives such as cash-back, airline miles, and travel points? These credit card reward offers might be attractive, but are they worth it?

  • Ten Things To Do This Weekend Instead of Spending Money

    By

    Tim Saighani

    on

    March 6, 2020
    Topics: Family

    We are constantly bombarded with advertisements encouraging us to spend money on the next thing that will make us happy or fulfilled – so much so that we often forget that many of the most enjoyable things in life are free!

  • How to Write a Cease and Desist Letter to Creditors

    By

    Tim Saighani

    on

    March 3, 2020
    Topics: Debt Relief

    If threatening letters and phone calls from debt collectors are stressing you out, you don’t have to resign yourself to dealing with the communications until you pay off your debt.

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DISCLAIMER: Debt Consolidation Program (“Program”) also known as Debt Relief or Debt Settlement serviced thru CountryWide Debt Relief (“CWDR”) refers to clients who have enrolled in a Program with CWDR. Whereas CWDR shall work aggressively to negotiate the Program Debt, not all debts can be negotiated and not all creditors negotiate.  Individual Program results may vary and are based on but not limited to the ability of clients to save funds and successfully complete their Program terms and conditions, the amount and type of debts and creditors, history of accounts and financial standing of clients.  Any specific or general reference to “debt free”, “savings”, “eliminate” or “reduce” debts only refers to clients that have successfully enrolled and completed their Program resulting in all Program Debt being settled for less than the original balance enrolled. Any figures given or statements made are examples of past performances and are not intended to guarantee future results and CWDR does not guarantee that debts successfully enrolled in the Program will be settled, lowered by a specific amount or percentage, settled in a specific time period or that clients will be “debt free” in a specific time period. All Program terms and conditions are subject to change without notice and not all applicants are approved.  The Program is not available in all states and other restrictions apply. Read and understand all Program materials prior to enrollment, including potential adverse impact on credit rating. CWDR is not a law firm and does not provide any legal, bankruptcy, tax or accounting advice or credit repair services and anyone considering bankruptcy should consult a bankruptcy attorney. Please contact a tax professional to discuss potential tax consequences of the Program. Depending on your state, we may be able to recommend a Bankruptcy attorney. Depending on your state, we may be able to refer you to our lending partners for a Debt Consolidation Loan. Annual Percentage Rates provided by our lending partners range from 5.99% to 35.89%. Please note that calls with the company may be recorded for quality assurance.

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  • Minimum of $10,000 total Credit Card Debt
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