aafmindia logo
 011-45120800
 info@aafmindia.co.in

CWM

CTEP

AFA

CWM


 

1. Believe that you can do it yourself.

Paying of Credit Card Debt requires self-belief and discipline. It is good that you realize that you have realized that you need to eliminate your credit card debt. You would be to succeed in eliminating it once you take steps to actively manage it. The stories of many people we usually read on different blogs are a testament to how it can be done. The first step is to measure your financial position and make a budget for yourselves.

Now if you find that despite your efforts, your financial situation continues to weigh heavily on you and you find yourself overwhelmed, it would be a good idea to seek help and support elsewhere. There are a lot of resources out there that can help, such as Chartered Wealth Managers.

2. Set goals.

Making a commitment to ourselves to deal with our credit card debt is one thing, but we need to do something that will make the commitment concrete. You need to set a date for when we expect to reach our goals. This will give us a roadmap against which to measure our progress. Goal setting is a great tool to ensure that we keep ourselves focused and headed in the right direction as we tackle our debt reduction program.

3. Create a debt elimination plan.

The quickest way out of debt is to stop incurring more of it while simultaneously paying off the loans you already have as aggressively as possible. While this may seem tough to you now, you can use some strategies to help you out. Debt consolidation or refinancing may be solutions in some cases, like taking a personal loan to pay off the credit card debts and paying the Equated Monthly Installments of the loan against the minimum amount due of the card you were earlier paying.

Transferring your debt from a high interest rate card to lower interest loan like personal loan will speed up the debt reduction process. But if you have spoiled your Credit history and are unable to get a personal loan this might not work for you. But don’t worry there are other ways for you which might not be as fast but still would help you to pay off the debt.

4. Prioritize paying off your debt as your primary financial goal.

A lot of people who’ve been able to pay off their debt have made sure that they stick to their priorities. These people have managed to avoid temptations that entice them to part with their money. In one case I cut all the card of my client to ensure that he does not use them any more.

Before you buy anything, I ensure that it’s something that I’ll be able to pay for by the end of the month, and if not, I simply avoid making the purchase. As for unexpected expenses, you must keep an emergency fund in a high yield savings vehicle to avoid having to use my credit card for such emergencies.

Tip: I keep my emergency money in an account that has an Overdraft Facility against a Fixed Deposit that offers a relatively higher return.

5. Measure your Progress.

When you & nbsp; start a debt elimination program, it’s a good idea to keep track of how your credit is doing. In fact, it’s wise to get a snapshot of your credit outstanding before, during and after you’ve worked on reducing your debt, in order to chart your financial progress. Tracking your credit score is one way to measure the success of your debt and credit management efforts.

Tip: Visit CIBIL website to order your credit reports to track your progress.

6. Celebrate your Success.

Just like with trying to lose weight, being way too restrictive about dealing with debt can end up backfiring when we end up “rebelling” over our self-imposed restrictions. How many of us have experienced falling off the bandwagon on occasion because of tough — sometimes unrealistic — rules that we impose on ourselves? Give yourself a break once in a while by treating yourself to simpler rewards when you reach certain milestones in your plan or debt reduction schedule.

7. Increase your income.

I think that it’s not enough to cut back. It’s best to apply a two-pronged strategy for living below your means: spend less but also try to earn more. If you can find ways to increase income, you’ll have more money to throw at your debt balance; there are many ways to earn extra income (start a side business, get a second job, learn how to invest well), which combined with a strong savings strategy, can accelerate your debt repayment.

8. Have accountability.

One of the most effective strategies that some people have employed is to make themselves accountable while trying to work on their debt. By sharing their stories with their spouse or friends they are able to receive lots of encouragement and support, thereby giving themselves the psychological boost to handle their financial issues. There’s strength in numbers, and I believe that you need to build a supportive community that can cheer you on and provide you with advice, ideas and even guidance to keep you focused.

For those who cannot do this, you can still help yourself by simply keeping a journal or diary that will track your progress over time. By keeping tabs on your progress and jotting down notes and ideas about your financial activities, it’ll be easier for you to measure and assess your status. All this can only help you stay on track.

9. Pay more than the minimum.

The lesson here is this: put as much money as you can afford towards expensive debt or anything that charges a high interest rate. The cost of debt can be humongous. By keeping a tight rein on the use of your card, you won’t allow your debt to run away from you. It’s particularly important to avoid feeding your debt balance because as it grows, the harder it is to control and manage. So before you use your card, already set some parameters. If you can’t afford to pay the whole balance off, try your best to pay more than the minimum in order to bring down your principal as quickly as you can.

....

Social Network


Contact Us


Member Login

Recent Blogs

Check your AAFM Certification Authenticity and Validity

CHECK VALIDITY

Email Updates


If you enjoyed this article,subscribe below to get FREE email updates

Phone is Optional

Your data remains confidentials with us.

Comments..

Mr.Favour World Loan Offer
15-Jul-2018

Hello... Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us.. Apply Now for your very low interest rate of 2% loan! * We offer loan in EURO AND DOLLAR * Borrow between 5000USD to 90,000,000.00USD * Choose between 1 to 30 years to repay. * Flexible loan terms and conditions. * It a world of happiness with us bring back those joy of yours by applying for a loan with us today... All these plans and more, contact us now by email for more info.. ( favourworldbest990@outlook.com ) OR SMS US NOW +1518 621 2700 Email us now: favourworldbest990@outlook.com Call/Sms: +1518 621 2700 Giving your world a meaning. Regards. World Best Loan Company Offer..

Mr.Favour World Loan Offer
16-Jul-2018

Hello... Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us.. Apply Now for your very low interest rate of 2% loan! * We offer loan in EURO AND DOLLAR * Borrow between 5000USD to 90,000,000.00USD * Choose between 1 to 30 years to repay. * Flexible loan terms and conditions. * It a world of happiness with us bring back those joy of yours by applying for a loan with us today... All these plans and more, contact us now by email for more info.. ( favourworldbest990@outlook.com ) OR SMS US NOW +1518 621 2700 Email us now: favourworldbest990@outlook.com Call/Sms: +1518 621 2700 Giving your world a meaning. Regards. World Best Loan Company Offer..

Robert Watson
19-Jul-2018

We are Rocket Loans Company. We are reputable, legitimate & accredited lender. We give out loan of all kinds in a very fast and easy way, Personal Loan, Car Loan, Home Loan, Student Loan, Business Loan, Inventor loan, Debt Consolidation. etc. No social security Number required and no credit check required, 100% Guaranteed. So visit Rocket Loans Website https://goo.gl/F8gdrb

Sr Manuel
22-Jul-2018

Do you need a loan to consolidate your debt by 2%? Or personal loans * Business loans, etc. Interested parties should contact us for more information via e-mail: (newlight.credit3@gmail.com)

Francisco Camacho
02-Sep-2018

Attention, we are investors providing reliable loans to individual and funding for business and projects start up. Do you need a reliable loan to pay your bills or solve any financial problems? with a low interest rate of 2% and loan duration of 1 to 40 years to pay back the loan secure and unsecured. It will be a great joy to us when you are financially stable contact us via Call/Text +1(702)536-4324 Email franciscojinvestments@gmail.com

Prof Claude Dan
16-Jul-2018

APPLY TODAY FOR QUICK AND CONVENIENT LOANS – WE OFFER ALL KIND OF LOANS at Email: profclaudecapital@gmail.com WhatsApp Number: +19292227023 We are energetic financial consultants that offer legitimate loans and international finances for any amount of banking instruments. We have the access/contacts to raise from $10 thousand to $800 Million Dollars, With our reliable loan company and other top prime AA BANKS like Bank of America, HSBC, Wells Fargo, The Best Banks for SBA Loans. Are you affected by the economic state of your country and have been turned down constantly, disappointed by banks and other financial institutions? If your answer is yes, then look no further. We offer safe and secure loans, Personal loans, Truck Loans, Car Loans, Real Estate Loans, Refinancing Loans, Debt consolidation loans, Education Loans, Farm Loans, Corporate Loans, Business Start-up Loans or Business Expansion Loans and many more. contact us at Phone Number: +1(415) 322-7529, Email: profclaudecapital@gmail.com (We offer all types of loans) WhatsApp +19292227023 We have provided over $40 Billion in business loans to over 82,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Bear in mind that it will only take less than 24 or 48 Hours to process your file is 100% Guaranteed no matter your Credit Score. Capital Management Inc, Will give you loan with an affordable interest rate of 2% and loan duration of 1 to 30 years to pay back the loan secure and unsecured via email(profclaudecapital@gmail.com) aims is to provide Excellent Professional Financial Services. We are a lending organization and had the highest profit in the lending sector and as part of our humanitarian services we are offering out loans for developing business a competitive edge/Business expansion. What is your situation? Need 100% financing Can't verify income Can't verify employment Recently self employed Bankruptcy Collections Credit issues Accumulated Bills Settlement Personal Investment Project or Company Investment Projects e.t.c. Apply for a quick and convenient loan to pay off bills and debts, start a new business or refinance your projects and expand your business this year 2018 in good faith. We are certified, trustworthy, reliable, efficient, fast and dynamic. No stress No tension, just apply free feel and relax to receive your loan, There is more to gain by getting a loan from this company. Are you facing financial problems with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Prof.Claude Capital Management is the answer. Reduce your payments to ease the strain on your monthly expenses. your victory is 100% guarantee and Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved. Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. contact us via Email profclaudecapital@gmail.com Regards Prof Claude Dan Phone Contact: +1(415) 322-7529 Email: profclaudecapital@gmail.com WhatsApp Number: +19292227023

Dr. John Marshall
16-Jul-2018

DO YOU NEED AN AFFORDABLE LOAN TODAY? We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million. Do you need a genuine loan Online to secure your Bills? Starts a new business? Do you need a personal loan? or Business loan, Apply for a quick and convenient loan to start a new financing of your projects at a cheapest interest rate of 2%. Are you in need of a Loan of any amount? Has the bank or Payday Loan Company refused your Loan Application because of your Low Credit Scores or Lack of Collateral Security? and you are in need of an urgent Personal Or Business Loan to re-finance your business, pay your bills, settle your bad credit problems, buy and own a house of your own? etc. CONTACT US NOW VIA EMAIL:(dr.johnmarshallloans@gmail.com) Phone +1 (984) 333-2836 John Marshall Loans is the first lending platform to leverage artificial intelligence and machine learning to price credit and automate the borrowing process. John Marshall has demonstrated strong credit performance and maintains one of the industry’s highest consumer ratings according to leading consumer review sites.

ROMANA
18-Jul-2018

Hello, We are Christian Organization formed to help people in needs of helps,such as financial help.So if you are going through financial difficulties or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debt or pay off your bills,start a nice business, or you are finding it hard to obtain capital loan from local banks,contact us today via email at: alenxanderwalkerloanfirm@outlook.com for the bible says in "Luke 11:10 Everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened"so do not let these opportunity pass you by because Jesus is the same yesterday, today and forever more.Please these is for serious minded and God fearing People. You are advise to fill and return the details below.. Your Full Name:_________ Your Country:_________ Your State_________ Your Address:_________ Your Gender:_________ Your Maritial status_________ Your Occupation:_________ Cell phone Number:_________ Loan Amount Needed:_________ Loan Duration:_________ Monthly Income:_________ Purpose Of Loan:___________ Have you applied for a loan before:_________ Act fast and get out of financial stress, mess and hardship by contacting ALENXANDER WALKER LOAN FIRM Today via Email at: alenxanderwalkerloanfirm@outlook.com You shall be treated with the best of our resources until you get this funds transferred into your account, and your quick and fast respond determines how fast you shall be receiving your loan. Without any delay Apply for your best and easy Loan here with us. Best Regards Mr ALENXANDER WALKER LOAN FIRM AT :alenxanderwalkerloanfirm@outlook.com

Mr.Louis Peter
18-Jul-2018

Hello Everyone... Are you a business man or woman? And you are in need of an urgent loan as to start up your own business? Or do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via Email: ( louisfundsinvestment0044@outlook.com ) or call/sms +1-562-453-0961 for a loan offer of 2% Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. We offer the following types of loans: * Car Loan * Farm Loan * Home Loan * Hotels Loan * Truck Loans * Personal Loan * Business Loan * Mortgage Loan * Investment Loan * Commercial Loan * Construction Loan * Debt Consolidation Loan We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Truck Loans,Home Refinancing Loans Hotels Loans, Farm Loan with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us for more info via Email: louisfundsinvestment0044@outlook.com or call/sms +1-562-453-0961. Do apply now and get that dream you always want for your self. Regards. Mr.Louis Peter Funds Investment Loan Company.

Mr.Louis Peter
18-Jul-2018

Hello Everyone... Are you a business man or woman? And you are in need of an urgent loan as to start up your own business? Or do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via Email: ( louisfundsinvestment0044@outlook.com ) or call/sms +1-562-453-0961 for a loan offer of 2% Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. We offer the following types of loans: * Car Loan * Farm Loan * Home Loan * Hotels Loan * Truck Loans * Personal Loan * Business Loan * Mortgage Loan * Investment Loan * Commercial Loan * Construction Loan * Debt Consolidation Loan We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Truck Loans,Home Refinancing Loans Hotels Loans, Farm Loan with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us for more info via Email: louisfundsinvestment0044@outlook.com or call/sms +1-562-453-0961. Do apply now and get that dream you always want for your self. Regards. Mr.Louis Peter Funds Investment Loan Company.

Mr.Louis Peter
19-Jul-2018

Hello Everyone... Are you a business man or woman? And you are in need of an urgent loan as to start up your own business? Or do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via Email: ( louisfundsinvestment0044@outlook.com ) or call/sms +1-562-453-0961 for a loan offer of 2% Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. We offer the following types of loans: * Car Loan * Farm Loan * Home Loan * Hotels Loan * Truck Loans * Personal Loan * Business Loan * Mortgage Loan * Investment Loan * Commercial Loan * Construction Loan * Debt Consolidation Loan We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Truck Loans,Home Refinancing Loans Hotels Loans, Farm Loan with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us for more info via Email: louisfundsinvestment0044@outlook.com or call/sms +1-562-453-0961. Do apply now and get that dream you always want for your self. Regards. Mr.Louis Peter Funds Investment Loan Company.

Mr.Louis Peter
19-Jul-2018

Hello Everyone... Are you a business man or woman? And you are in need of an urgent loan as to start up your own business? Or do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via Email: ( louisfundsinvestment0044@outlook.com ) or call/sms +1-562-453-0961 for a loan offer of 2% Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. We offer the following types of loans: * Car Loan * Farm Loan * Home Loan * Hotels Loan * Truck Loans * Personal Loan * Business Loan * Mortgage Loan * Investment Loan * Commercial Loan * Construction Loan * Debt Consolidation Loan We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Truck Loans,Home Refinancing Loans Hotels Loans, Farm Loan with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us for more info via Email: louisfundsinvestment0044@outlook.com or call/sms +1-562-453-0961. Do apply now and get that dream you always want for your self. Regards. Mr.Louis Peter Funds Investment Loan Company.

Carmen Boykin Jennette
19-Jul-2018

How I got a loan after being scammed. Hello everyone, my name is Carmen Boykin Jennette from Missouri USA, I have been struggling looking for a means of getting a loan for the past 4 months, I have searched a lot of companies and during that process I got scammed. I needed a loan of $47,000 to set up a business and settle my bills as well as take care of my children. But instead of getting a loan I was scammed by 2 different lenders not until I was referred to one Mr James Richard Dyson of Jennard Investments Limited with Contact number: +1(484)292-4513 by Mrs Renee Craig a member of my church. So I decided to apply and to my surprise I was granted and funded my desired loan amount as I have applied for. I want to use this platform to reach out to everyone out there in need of a loan to contact then via email: jennardinvestmentslimited@outlook.com. They are reliable.

Mr.Louis Peter
19-Jul-2018

Hello Everyone... Are you a business man or woman? And you are in need of an urgent loan as to start up your own business? Or do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via Email: ( louisfundsinvestment0044@outlook.com ) or call/sms +1-562-453-0961 for a loan offer of 2% Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. We offer the following types of loans: * Car Loan * Farm Loan * Home Loan * Hotels Loan * Truck Loans * Personal Loan * Business Loan * Mortgage Loan * Investment Loan * Commercial Loan * Construction Loan * Debt Consolidation Loan We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Truck Loans,Home Refinancing Loans Hotels Loans, Farm Loan with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us for more info via Email: louisfundsinvestment0044@outlook.com or call/sms +1-562-453-0961. Do apply now and get that dream you always want for your self. Regards. Mr.Louis Peter Funds Investment Loan Company.