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01 Sep, 2016 Chapter 1 delves into the first four stages of systematic strategic planning, including clarifying current conditions, identifying competitive advantages, defining opportunities and developing strategies.
Depending on your situation, these options may be able to assist you in lowering your payments or interest rates and reducing the amount you ultimately owe.
Credit counseling can be a good option if you are interested in re-evaluating your spending and saving habits, as well as entering into a debt management plan (DMP).
A DMP allows you to continue making monthly payments to your creditors, but consolidates your payment into one lump sum that you pay the credit counselor each month. Make sure you check with the Office of the Consumer Credit Commissioner and use a licensed credit counselor.
This amount is then distributed to your creditors, often at reduced interest rates - allowing you to get out of debt faster. Ask what services the company provides - some will perform in-depth evaluation of your monthly expenditures while others are simply calling DMPs.
These services can carry both initial and monthly fees - find out exactly what you will be paying and where your monthly paymernts will go.
Ask for monthly accounting statements so you continue to keep track of your debts and what your current balances are.Before signing up, ask how long your repayment plan will be so you know exactly when you are expected to be debt free.And remember, some of these services may be scams - make sure you do research on the company you choose and that you are comfortable that is trusted and reliable.The Federal Trade Commission (FTC) offers a brochure on choosing a credit counselor.Debt consolidation is an option if you want to take out a new loan to pay off your existing debts, eliminating your prior debts and leaving you with one monthly payment.Remember to factor in the term of the new loan (how long you will have to make payments) as well as the interest rate and the amount of the monthly payment.Tags: Adult Dating, affair dating, sex dating