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Ultimate Mortgage Loan Modification Guidebook!

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Get Out of Debt 63% Faster!

Financial software can simplify the rapid debt reduction process for you.

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Credit Card Debt Settlement!

One couple settled $75k worth of debt for about 30% of what was owed. You can do it without an attorney.


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Credit Secrets Bible

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Welcome to Rapid-Debt-Reduction.com!

We’d all like to get out of debt these days.  But for many people, it’s becoming more of a necessity rather than just wishful thinking.  And, while there is no “instant” button for solving all your financial woes, there are many tools and sources of information that can make the rocky financial road much easier to travel.

It’s a process.  We all need to think about:

  • reducing expenses
  • recycling and repurposing things
  • adding additional income, if possible, and
  • working smarter, not harder.

In the olden days, families used to say they needed to “tighten their belts.”  But these days, a little creative thinking can go a long way.  For most families, their debt load would obviously be lighter if they found a better interest rate, or even if their credit reports were simply more favorable.  You might also need to consider refinancing your mortgage, if you have one, and there are special programs today that can make that much easier.

Please feel free to comment on all the content provided here.  You will need to click on the HEADLINE in order to read the full article.  And thank you for reading!

Joanna Benz
Editor
Rapid-Debt-Reduction

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Inspirational: One Red Paper Clip

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Shocking Credit Card Secrets

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Smart Uses for Credit Cards

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The 3 Best Credit Cards

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World's Worst Credit Card?

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The Simple Dollar Weekly Roundup: TrentHamm.com Edition

Over the past year, I’ve been experimenting a lot with my personal website, TrentHamm.com. Should it just be a puff piece that promotes me? Should I have some long essays or short stories on there?
What I eventually realized, though, is that the thing I enjoy doing the most is simply sharing [...] [continued]

Replacing Things Early

Recently, I took a serious look at our non-stick skillet, the one we use to cook sticky things like eggs. While it was still very usable, I found that in one place a bit of Teflon was beginning to peel away. I immediately tossed the pan into the trash.
A few weeks ago, I [...] [continued]

The People Around You

The single biggest advantage I’ve had in my life is that I’ve largely been surrounded by supportive people. My wife, my parents, my closest friends – all of them have always been incredibly positive towards everything I’ve ever chosen to do.
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When Financial Change Is Overwhelming

Mark writes in:
I’ve been reading The Simple Dollar for a year or so and I’ve found it really inspirational. My problem is that I can’t get past the “inspirational” part.
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Auto Payment Calculator - Amortization Schedule

Free amortization loan calculator, to make managing your debts easier. [continued]

Debt Free Software

Rapid debt reduction software can automate some of the steps needed to help you get control of your debts quickly. [continued]

Why Are Oranges Always on Sale in December? Seasonal Food Sales and How to Take Advantage of Them

When I was a kid, each year my Christmas stocking had a large orange in the toe. I always thought of this as a bit strange, so when I was a bit older, I asked my parents about the orange. It turns out that oranges were pretty hard to get ahold of when [...] [continued]

The Costs of Preparing for Additional Children

Megan writes in:
Congratulations on your third child! My husband and I are expecting our second child in February. I hope you’ll write an article about how to save money when another child comes along.
Your wish is my command, Megan. Here are some of the ways we’re preparing for our third child.
Diapers
As I’ve [...] [continued]

The Simple Dollar Weekly Roundup: Book Editing Edition

Right now, I’m deeply involved with the editing process for my upcoming second book.
My first book was fairly easy to edit. Since it was mostly a list of ways to live cheap, the edits were either “does this way to live cheap fit in the book?” or grammatical choices.
This time around, though, the editing [...] [continued]

Simple Ways to Save Money on Salads

Lately, my wife and I have been studying ways to reduce our weekly grocery bill. We’ve been using several tactics to do this, which I will discuss one at a time over a series of articles.
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Six Reasons Why People Don’t Thrift

Over the past week, I’ve been conducting a quiet poll among friends and family concerning whether or not they shop at thrift stores. I received a few “yes” answers, but a surprisingly large number of “no” answers. Without arguing about the reasons, I also asked them why they didn’t shop at thrift stores [...] [continued]

Putting the “Important but Not Urgent” Tasks Above the “Urgent but Not Important” Tasks

One of the biggest personal and professional frustrations that I have (and that a lot of others seem to share) is that there’s never enough time to get to the important things we want to do.
We want to do things like…
+ visit an old relative
+ create a master information document
+ work on a [...] [continued]

Review: The Leap

Every other Sunday, The Simple Dollar reviews a personal growth, personal productivity, or career book.
This is a book I wish I had my hands on about two years ago.
I was working at a job I liked, but I also felt that there were several directions in which I was unable to spread my wings. [...] [continued]

Making Buyers

Yesterday, my four year old son was watching a television program at his grandparents’ home. At our own home, we don’t watch much non-PBS programming at all, so this was one of my son’s first real exposures to advertising.
I came into the room after he had been watching for about forty minutes and started [...] [continued]

Spending on Your Passion

Recently, I picked up two Le Creuset 5 1/2 quart French ovens on a special deal. I’ve been slowly upgrading our kitchen implements and I’ve wanted to upgrade our cracked ceramic casseroles with enameled cast iron that can be used over a burner and also thrown in an oven for baking purposes.
They were expensive, [...] [continued]

Teenagers and Expensive Clothes

Monica writes in:
I used to buy my daughter several new outfits before the start of the school year and then a few more items for Christmas. This worked well when she was less picky about her clothes. The last few years, though, she’s wanted nothing but a few specific brands of clothing – [...] [continued]

How to Start a Meal Exchange

Recently, several couples in our community started a frozen meal exchange. It’s a really simple idea. On a certain day, everyone in the exchange meets for coffee and brings along a laundry basket full of frozen meals, one for each family, along with any needed instructions taped to the lid. The members [...] [continued]

Conquer Your Gambling Debts

Gambling debt is like any other debt, with one big difference. That is, that there is a big temptation to try to get out of debt using the same method that got you in there in the first place, that is, gambling. [continued]

Credit cards, help or hindrance?

Credit cards can be used for good or evil. But we need to think before we spend! [continued]

The Truth About Government Debt Relief Grants

There is a lot of mistaken information going around these days about government debt relief grants. Some people believe that the government will pay to get individuals out of debt. Unfortunately, that is not true. However, there may be other ways that the government can help you financially. [continued]

Debt Negotiators Tips: How To Talk To Your Creditors

Debt negotiators have certain tricks they use to help you when you cannot make your credit card payments on time. And you can use their methods yourself. You can easily talk to your creditors directly, and discuss ways that you can pay off your debts in a reasonable manner. [continued]

How to get out of debt

In the current recession, how to get out of debt is a question that is affecting more and more people. It is very easy to get into debt when you go through a bad patch financially. [continued]

Credit card bad debt, and when to settle

Do you have credit card bad debt? Debt that you will never be able to repay? You might be able to settle some of your debts on certain accounts that are behind in the payments — especially the ones where you just can’t seem to make the monthly payments. Here is a method that is often used by credit card consolidation companies. [continued]

Debt Removal Snowball Method

The debt relief snowball method is a clear debt solution, a way to systematically erase your debts once and for all. And yes, you can get out of debt, no matter how much you owe. [continued]

Your Rights Under the Fair Debt Collection Practices Act

You have certain rights with regards to collection agencies, and they must abide by the rules. [continued]

Debt Cures, a book by Kevin Trudeau

Curious about Debt Cures, from Kevin Trudeau? It’s not as good as it looks on tv. [continued]