ReadyForZero is one of the simplest and easiest-to-use tools that can help you build a plan to eliminate your credit card debt. Once you sign up for a free account, prove your identity by supplying your mailing address and last four digits of your social security number. ReadyForZero than pulls how much you owe to all your credit card companies combined and lets you link your credit card accounts to pull exact details.
The tool than shows you how much time and interest it would take to pay off your cards if you keep making minimum payments. Click on “Let’s improve this” and the tool will show you various options. You can pick the monthly amount you are willing to spend or your target date to get rid of debt and ReadyForZero will display details based on this new plan. Once finalized, you can keep track of your progress and see how much more money/time is needed for payoff.
Features:
- Create a plan to pay off credit card debt.
- Link your credit cards and explore different options.
- Track your progress or adjust plan.
- Similar tools: Creditable, Mint, Paystr, Accpal and TripLittle.
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The Road Out of Debt: Bankruptcy and Other Solutions to Your Financial Problems by Joan N. Feeney and Theodore W. Connolly
You've read stories of people becoming debt-free. In personal-finance blogs, the stories are always ones of debt problems overcome through hard work and frugality. Sadly, in the real world, that doesn't always work. For reasons like illness, divorce, job loss, economic downturn, business failure, natural disaster, war — some debts entered into in good faith simply cannot be paid back. (See also: CitiMortgage Told Me to Default on My Loan)
Feeney and Connolly's new book is about how to find the dividing line between these cases, and what to do once you know which side you’re on.
Money-Management Skills
The authors provide a good short course in money management much like you’d find in any personal finance book or blog — how to budget, how to cut expenses, and how to take control of your finances. Then the book starts talking about debt — mainly about the many, many ways to use debt unwisely. In particular, they’ve got a great chapter on the sort of debt that people with financial troubles turn to in a usually futile effort to stave off financial catastrophe for one more month — payday loans, car title loans, pawn shops, loan sharks, etc.
Even before that, they provide some basic advice on negotiating with your creditors. Especially in the world of finance as it is today, there are plenty of people who could actually fulfill their obligations — except that the creditors have written rules that let them lard up a debtor’s obligations with late fees and penalty interest rates. A knowledgeable debtor with good negotiating skills can often cut through those problems and get their obligations settled reasonably cheaply.
One bit in that section that I particularly like is on the psychology of debt collectors: Some will browbeat you, some will humiliate you, some will pretend to be your friend — but however they act, they’re all just trying to get as much money from you as possible. They don’t care what other debts you have or whether you can support your family. If you don’t understand this — if you allow yourself to imagine that the ones who act like friends are actually friendly — you’re going to be less successful in your negotiations. (I talk about the same psychological issues in my post Don’t Treat Businesses Like People.)
The authors provide some useful advice on seeking help (credit counselors and the like) if your financial problems are beyond what you can manage with those basic skills — and about avoiding the scams that often masquerade as help for people with debt troubles.
Sometimes, even with help, debt problems cannot be overcome. Specifically, if you can’t cover your minimum expenses plus interest on your debts and have money left over to pay down the principle on your debts, then you're over the line. Once you're in that situation, your financial situation can only get worse — your debt burden will rise every month, even if you don't borrow any more money.
When to Consider Bankruptcy
If you could support yourself — pay for your family’s shelter, food, and clothing — except that other obligations drain away more than all the rest of your money, then it’s time to consider bankruptcy.
Even if it’s time to consider bankruptcy, it may not be the best choice. Some obligations (child support, student loans) cannot be wiped out in bankruptcy. Alternatively, if you can’t even afford the necessities, then your household is not a viable economic unit and bankruptcy won’t help.
The core of the book is the information you need to figure whether bankruptcy is worth considering — and the information to consider it and make an informed decision.
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