1. Know about the facts:

If you have settled your debt then the credit card company will report your account as “settled in full” instead of “paid in full” to the credit bureau. Your credit report will be updated as “settled”. Therefore, your potential lenders might consider you a high risk borrower and it might be difficult to get approval for loan in future.

2. Duration of the impact of debt settlement on credit report:

Your credit card debt settlement appears on your credit report for 7½ years in case you settle with the original creditors. But if you settle with a collection agency then the settlement process will appear on credit report for seven years from the date of first delinquent.

3. Advantages of settlement process:

You can avoid late payment if you are settling your debts. Remember that 35% of your credit score is based on the late payment notification. Therefore, late payment charges will adversely affect your credit report comparatively more than a credit card settlement.

4. Disadvantages of settlement process:

Generally, the credit card companies does not accept settlement offer if you are current on your payment. The companies will not be convinced that you are suffering from financial crisis if you do not default on your payment.

When you plan to negotiate your debt ensure that you include in the terms of agreement that your credit card account will be updated as “paid in full” instead of “settled in full”. Then your potential lenders will not be aware that you have settled your debts when they view your credit report.

Credit cards become problematic when you can not self control when using it. So, before you have a credit card, it is important to understand how to use it intelligently.

Syafriady Hutagalung, financial planner, writing in the Financial Consultant Group defines credit cards as a form of loan account that can be used continuously within the specified time period. The man who was familiarly called Adhie this continues, the loan account has been determined maximum limit that can be used by the borrower. Borrowers can use these funds continuously provided that not reach the maximum limit. Each time the debt repayment of the loan will reduce the balance in the account. This means funds can be used also increases.

credit card user is the borrower. So make sure you have strong self control for wise use of loans. However credit card is debt.
there are some disadvantages and advantages of using a credit card:

Advantages:

* You will not be charged interest if you pay your debt until paid off under the grace period (prior to maturity) within 25-30 days.

* Simplifying the registration because the credit card company will send a report to your account.

* Convenience and can be used when not have cash for unexpected needs.

* The risk is lower than carrying cash.

* Can be used around the world because the issuing bank in cooperation with the international financial network that is recognized throughout the world.

* Benefits of the current widespread because the issuing bank has worked with several merchants to provide special discounts with credit card.

Weaknesses:

* You tend to spend more with credit cards so that the consumerism trend higher.

* High interest rates. You have to pay high interest for the balance that has not been paid.

Tricks:

* Save your credit card for payment by installment system. Do not get stuck to always rely on payment by credit card if you can only pay the loan installments.

* Do not buy their daily needs through credit cards because you will be addicted and then get stuck with consumer debt. Pay cash for daily basic needs, and save your credit card at home.

* Pay your bills before the due date to avoid interest.

* Pay your bills at the amount of groceries. That is, do not indulge yourself by delaying payment of bills. If not capable, then the self control to not only shopping with credit cards.

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1. Electrical equipment
Whatever the problem on the electricity at home, should be quickly addressed in order to prevent bad things like fires. Do not leave electronic devices turn on continual rapikanlah cables and electrical connectors and make sure the Stop The contacts are not loose and so there is no short circuit.

2. Leakage
When the roof is leaking or you have previously seen the roof color change due to water entering the roof, must not be ignored because it could get worse. Find leaks and fix immediately. So also when a leak in the toilet, sink, or there are droplets on the wall. All that must be addressed urgently to prevent more severe damage.

3. Air conditioning
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If your roof is missing, cracked, or seen decreases, there will soon replace it before further damage.

5. Foundation
Just as a relationship, the foundation must also be strong to maintain its continuity. Make sure your house foundation remains strong and sturdy. If there is a rift, immediately improve for the water can not seep into it.

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Keep the cool air-conditioned house with the windows closed the meeting house. In addition, closing the window would also prevent the entry of wild animals such as cats into the house.

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Make sure the front of your house gutters also smooth and clean. Clean at least twice a year in order to prevent congestion and improper drainage.

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The main key is communication. Starting today, try to be cooperative in managing family finances by implementing some of these tips:

Build connections

Setting goals related to financial issues together, can make the relationship with the couple became increasingly tight. Mutual of dreams about home, children, and retirement plans, will unite you and your husband’s life.

Increase empathy

Understand the root of your husband’s financial habits to help you understand it, and vice versa. Instead of cranky with his custom to dissipate it, try to find out where these habits originated.

Mutual acceptance

Accept the fact that you and your husband would argue about money. It is indeed reasonable. Try to embrace and minimize these differences by seeking middle ground.

Share value

Write down the values that you embrace as a couple, and determine how to make financial decisions that can be taken in accordance with those values. This is useful as a reminder about the things that unite you and your husband at first, and keep the fundamental values are still alive.

Enjoy life

Look at money as a tool that can bring good things in your life and your partner, such as houses, children, travel, through charitable donations and a comfortable retirement.

Joint effort

Open-minded and responsible answer when the financial delegate. Just because one party has long set the budget or investments, it does not mean he should do so forever. Both parties should be involved in setting family financial goals. In addition, they also have to check those goals regularly so that everyone assumed the same responsibilities, as well as strengthen the foundation of the relationship.

First I would alike to say that the action by debt negotiation as an means by reducing consumer debt isn’t for everybody, some people is better to betray and, second, the aright mental attitude to go by this action appropriate. Let me beginning understand what debt dialogue and how them works. The design of an debt negotiator is an debt settlement as the amount by debt to the creditor.

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