Finance Solutions

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Finances. We all have them, and the majority of us hate them. Well, mostly hate them. I personally enjoy making budgets. I do not, however, enjoy the paying of the bills. It makes my stomach hurt horribly. There is just something about giving all of my money away to these bills that just makes me have a stomachache for two days after..haha. Credit card debt and student loans can be overwhelming as well. Thankfully, Finance Solutions has a way to help with that!

Budgeting

Like I said, I love the budgeting aspect of finances. I enjoy the challenge of fitting all of the bills into the month and seeing how much money I have leftover for saving. Sometimes it’s really hard to get even a few dollars put into savings, because, like most people, we have quite a few bills.

For me, I try to pay as many bills as I can at the beginning of the month. It took me a long time to get to the point of being able to pay the majority on the first of the month. I know that a lot of people live pay check to pay check, and that kind of budgeting is impossible. There was a time that I had to break it down between all of the pay checks during the month, and even then some bills would be late because I just couldn’t get to them by the due date. 

Credit Cards and Student Loans

Credit cards and student loans tend to be the largest debt among most households, mine included. It can be very daunting to have that amount of debt hanging over your head, and not see a light at the end of the tunnel. Sometimes it seems you are just making the minimum payment, trying to get by, yet your overall balance isn’t going down. It’s insane! With student loans, those payments can reach well over a thousand dollars a month. Who has that kind of money? Not me! Finance Solutions can help you figure out your options, and help you find the solution that works for you. 

Credit card debt starts innocently enough. You think you will just get one credit card to help build your credit. The next thing you know, you are getting offers from all kinds of places, and you have ten cards. Those minimum payments are usually $25 and up, so take that times ten cards and you are quickly paying out $250+ per month in minimum payments. Let me tell you, those minimum payments don’t do a thing to reduce your principal balance. It barely takes care of finance charges and interest.

Don’t even get me started on student loans. Those were the worst thing to have ever happened to me! When you get student loans, they don’t tell you how quickly the interest adds up while you are still in school. They also don’t explain how it just piles up higher and higher when you use the forbearance options, either. You very quickly start to drown in debt. My advice to those who haven’t gotten a student loan before would be to never do it! 

Options

Thankfully, there are places like Finance Solutions to help you see the light at the end of the tunnel. You will be able to find options that you can handle to get yourself to a better place again. If I had it to do over, I would never have gotten that first credit card or student loan. Just don’t do it, it isn’t worth it!

 

 

Majenica

"Time spent with cats is never wasted." ~ Sigmund Freud

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