Tuesday, December 7, 2021

Debt Consolidation and How it Works.

Who among you here have not incurred any debt? If that is the case, then you are lucky. But for most of us, debt is synonymous to salary, as it resonates to "being able to have money", although salary and debt are way too different. PLEASE! DON'T GET ME WRONG. 

When there is no other means, debt is incurred to pay for something important, whether it is a need or a want. Irregardless, it provides a monetary function that enables the person to be able to have the power to purchase or acquire whatever is desired. As with salary, when used to make a purchase, especially when ut is in line with one's budget, is okay. But when one takes a loan to make a purchase, it's already burdensome as it entails too many paperwork, plus it will cost more due to interests and fees. Debt makes one lose more purchasing power eventually. But hey, if you really don't have a choice but to sign up for a loan, then you just have to learn to manage so you will be able to pay within your income, and not have trouble finding a way to make ends meet while on a loan. 

Here is where the problem happens. When one takes on more than one loan from different sources and couldn't catch up with the payment schedule, then hell will break and trouble will come knocking. There is actually a way to solve this.

Have you heard of Debt Consolidation?

Debt Consolidation is actually a good thing for those who are already in trouble meeting with payment schedules. The word Consolidation means to make two or more become one, hence your debt from different sources can be clumped together in one. This way, you will keep in mind only one schedule, one fee and go to only one place to make a payment. It'll be hassle-free then.

How does it work?

The first thing you need to do is inquire where you can have all your loans consolidated, and how much you will end up paying on a monthly, semi-annual, or annually. The more inquiries you make, the better your options. Once settled, you start with paperwork and make sure all your required documents are ready. When everything's set, then you start making one payment instead of your usual trips to different places on different dates and time. 

Now, if you think you are not ready for such legwork, there are actually sites online that can help with the same, www.debtconsolidation.com for example. 

Saturday, December 4, 2021

Hello There...

A lot has changed since I last posted. Like the place I am in now. It's so cold here. But I am happy. Happy enough to be able to live through the burdens of being a repatriated OFW. 
But then again, being alive is still worth it. Every day we are given a chance or an opportunity to be better than yesterday... 
So I still rejoice. Life isn't really that bad. We just have to learn to swim through the tides. 

Saturday, September 4, 2021

Blogging to Vlogging

It's been a long time since I have been able to gain back this domain. But last year I was finally able to buy it back. Unfortunately, I seem to have less time posting here. This domain had been mine since 2007. It would have been 14 years if it didn't get stolen from me in 2011. Technically I was supposee to renew the domain for that year, but for some reason, something in the system went wrong. Until I have not been able to renew and right then and there someone bought it. At that time it wasn't  with GoDaddy yet. I remember always looking into the different sites selling domains to see whether it's sold but to no avail. When it gets listed as for sale, it's  very expensive, until last year I found it for sale.on GoDaddy and the price was just right, with no broker. But like what I said, I seem to have no time to fill this blog with posts. Plus these days, I am trying to Vlog on YouTube. Which, I find, more fun. Hehehe.. My channel  is Mommy Dharlz, please do visit.

These days I am busy learning how to run YouTube Ads. Although my channel  is not qualified yet, but being prepared counts, so yeah. That will be a good preparation.

You may want to check this video:


Saturday, January 9, 2021

Today's Reminder: Respect Yourself

Respect yourself enough to walk away from anything that no longer serves you, grows you or makes you happy.