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06/22/2007

Bad Credit Debt Consolidation Loan

Debt Consolidation Loans for Bad Credit

Nowadays, many people can get into a bad credit situation if they do not keep track of their income and expenditure. Many young executives suddenly find that they are being offered credit cards by various companies. Those who are sensible will find a credit card that suits their needs, sign up, keep track of their purchases, pay off their credit card bills in full each month, and ignore offers from other companies. There are others who may be dazzled by all the credit on offer and will end up with credit cards from several companies. They may easily end up making lots of purchases on credit while making the minimum payments on their cards. Then, one day they realize just how much debt they are in when they need a debt consolidation loan to get out of a bad credit situation.

At the Debt Consolidation and Debt Reduction Service, we do not give you debt consolidation loans. We help you reduce your debts by 40 percent to 60 percent and your payments by 40 percent. We see to it that you pay no interest, late fees, or penalties. We get you out of debt, and out of a bad credit situation, within three years. We ensure that you receive no more harassing phone calls from creditors by negotiating with them.

We can help you create a debt reduction plan. You begin by listing all your debts, estimating your income, and creating a workable monthly budget. You then have to find the money to pay off all your debts. We also offer credit counseling to our clients. We begin by advising our clients to stop using their credit cardsthis automatically stops their debt situation from worsening. By helping you estimate your income and create a monthly budget, we ensure that you know how much you earn each month and how you spend what you earn.

You can consult us if you have debts that are over and above $5,000. You cannot hope to get out of a bad credit situation if you only pay the minimum amounts due every monthyou cannot hope to get out of debt for a lifetime. If you decide to go in for debt consolidationwhere the numerous payments you have to make each month are consolidated into one small sumyou can hope to get out of debt faster. If you are in a bad credit situation and need help with debt consolidation, fill out the form on our Web site. We will help you get out and stay out of debt for the rest of your life.

About The Author

Jonathan Pike
Debt Consolidation and Debt Reduction Service
http://www.1-debt-consolidation-debt-reduction-service.comWhen Working >From Home...Christoph Puetz

A home-based business has a lot of advantages over the traditional 9-5 office system, and most web hosting businesses seem to be run out of an home office. However, working from home could mean that you might lose the structure and schedule of a normal office environment. We collected a few tips and tricks to keep you on track.

Kick Start Your Day

How you start off will determine how you end up! Begin your day with some positive thinking, do some workout (running, ride your bike) to get your head cleared out, have a healthy breakfast of reasonable size (too much food makes you tired again), take a shower, and then get started on your work day.

Develop A Work Schedule

Working at home will come with it a lot of flexibility and freedom. However, you need to be careful that you don't misuse it. You are now your own boss, so act as if you ARE the boss! Work out strict time schedules -and stick to it. Plan out all the all the tasks you would like to get accomplished in your day, and make sure that you achieve your target. If you are not disciplined enough it will come back and haunt you.

Love Your Work

Make sure that the work you do is something you really enjoy doing. To be successful in this business, you need to be really passionate about your work. Don't fall into the trap of thinking that because you have a background in web hosting and the experience in this field, that this will be a breeze. Learn to recognize what will motivate you, what will excite you - and build your business based on that spirit. If you are afraid to check the status of your servers and email every morning and it is giving you a weird feeling in your stomach you should eventually consider a different career. One sure sign of knowing that you really love your work is to get that motivating and relaxed feeling when you wake up every morning. Of course, you're going to have your good days and your bad days at the office - but a strong enthusiasm for your work ensures that you'll end up having more good days than bad days at the office.

Have a Real Home Office

Running your business from your bedroom is really not the best idea. You should have a separate area to work from. This could be a second bedroom in your apartment or a finished basement in your house. If that is not possible (e.g. you live in a one-bedroom apartment, you will have to work around it - especially if you do not live alone. A Spanish wall and a real desk will eventually give you a little 'room'. Make sure you keep an office a priority when moving one day. If you already have enough space and a separate office, furnish it accordingly. I personally use a kitchen countertop board as my desk. It goes from wall to wall across the room. It is deeper than a regular desk and I have plenty of space for everything. Having space can be a key. It is easier to find tools, manuals, or documentation. I can reach the printer and the cable router easily and the fax is also just 'around the corner'.

Establish that "you are at work"

Imagine you are at work in your home office and your wife or kids come into the room every 5 minutes. As nice as it is to have them around - often you need to make sure that they understand that you are working. You cannot just run down to the grocery store to buy diapers or milk real quick. You are at work. Or did your boss at your old place of employment did let you go to the grocery store 'real quick'? Probably not.

Snacks

You might feel like munching while you work, and that's one of the benefits of not working in a conservative corporate environment, right? However, be sure that you do not have to leave your office for everything. A journey through the house in search of food might lead to a detour or two to check up on what the kids are doing. 5 minutes here and there can add up really fast. Remember - you want to be productive.

Family Time Out

This one might seem a very difficult initially - but keep your work time separate from your family time. Of course, one of the prime reasons of you opening your home-based business was probably to spend time with family. However, your business is serious business, and needs some serious time too! The great thing is - you can often work around family things. Seeing your son playing soccer in the afternoon can be rewarding and it makes the work at night easier to handle. Most parents will miss a lot of their kids activities because they have to work in an office downtown.

This article can be published by anyone as long as a live back link to http://www.smallbusinessland.com is provided. (this note can be removed as long as a link from the author's resource box is provided)

About The Author

Christoph Puetz is a successful small business owner (Net Services USA LLC) and international author.

Guides, Tutorials, and Articles for small businesses - http://www.smallbusinessland.com.





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