Simple Ways To Reduce Credit Card Debt

First off, stop charging things to your credit card. Some individuals believe that they’ll charge things to their credit cards and simply pay the cards off at the end of the month. In reality, it’s best to avoid charging extra items on your card even if you have good intentions. The interest on your credit cards can potentially be fairly high, so it’s best to pay cash for purchases as frequently as possible. If you don’t have the cash for something, you may need to rethink whether or not you need to buy the item. Can these pajama pants wait […]

Thinking about Retirement? Get a Handle on Your Debt First!

Carrying Debt into Retirement The fact that people are living longer than ever today  means that you need to handle your finances better and make smarter moves regarding your retirement savings. According to the Consumer Financial Protection Bureau, a higher percentage of homeowners are facing retirement with mortgage debt attached to their financial situation. In fact, the percentage of people with mortgage debt went up from 22% to 30% between 2001 and 2011 for homeowners aged 65 and older. When looking at homeowners older than 75 years of age, the numbers increased from 8.4% to 21.2%. You might be wondering what that has to do with […]

PDI Employees Pitch in to help the San Diego Food Bank

During the month of June Pacific Debt Inc. employees pitched in to help the San Diego Food Bank. Employees brought in canned goods and other non perishable items to help those less fortunate. After nearly a month, the PDI team brought in over 4 barrels of food! Each quarter PDI makes it a priority to participate in charitable giving. You can find out more about the San Diego Food Bank by clicking here.

Feeling Financial Burnout from Debt Relief?

Watching your pennies and carefully keeping track of how you spend can be very rewarding. However, frugality in the name of debt relief can also lead to burnout. There are many reasons for budget burnout. Read through the steps below to get back on a positive course. What’s Ailing You? Try to think about why you feel so burned out. Perhaps you lost a job due to no fault of your own or suffered a medical setback? Or, maybe your financial problems aren’t your fault and you feel powerless over the fact that you need to worry so much about […]

From our newsletter: Inspiring Thoughts

Financial concerns and debt solutions can be a stressful part of life. As you work toward your goal of being financially free, remembering these ideas can help you reduce stress. Get Plenty Of Sleep.  Try to go to bed on time so that you can wake up on time feeling fresh, unrushed and ready to tackle the day ahead. If you’re late in the morning and you have to rush to work, you’re already stressed out and the day has barely begun! Learn To Say “No.” Don’t overburden yourself. Take projects one at a time. If a task seems too […]

Confessions of a novice couponer

Have you ever wondered if clipping coupons could pay off? Recently a colleague in my office volunteered to share her experience with me on using coupons. The busy manager, wife and mother said she didn’t have a lot of time to organize her shopping but wondered if she could make a dent in her monthly budget and get debt help just by using the coupons that came in her weekly newspaper. Sally was inspired to try couponing after watching an episode of the TLC hit show ‘Extreme Couponing.’ “The people on that show are clearly extreme,” explained Sally. “Most of […]

A Fresh Start: Make this year a success

As the new year begins, you may make resolutions and consider ways to better your life. Instead of tackling a long list of goals all at once you may want to consider setting smaller monthly goals. Taking small steps to improve your life and get debt relief, personally and financially, could help you achieve a greater amount of success. Here are a few ideas to get you started. January – March •  Organize your finances. Think about your spending habits. Are there any areas you can work on to achieve financial freedom sooner? •  Now is a good time to […]

Debt Consolidation in Texas

If credit card bills have piled up, collection agencies are calling frequently and you feel overwhelmed by the amount of debt you have accumulated, you may want to consult an organization that offers debt consolidation specifically for Texas residents to take advantage of. Debt consolidation has many advantages and a few disadvantages. Weighing your personal needs and your specific financial situation will assist you in determining whether you need to contact an organization that offers debt consolidation Texas residents can use. Pacific Debt is a reputable company with over fourteen years of experience in consumer related services, including debt settlement. Benefits of […]

Debt Consolidation San Diego

If you are looking for a company that can assist and advises you on debt consolidation San Diego has many qualified organizations. Debt consolidation can help you regain your financial footing and help you to improve your credit. Among the many organizations that provide debt consolidation, San Diego based business Pacific Debt offers some of the most comprehensive services regarding debt settlement. Pacific Debt Inc. has been in business for over 10 years. During this time period, Pacific Debt has become a very successful business with high customer service rating and an A+ rating with the Better Business Bureau. Pacific […]

Debt Consolidation Companies: How To Choose

Debt is a very serious issue indeed and so when choosing a debt consolidation companies to help you out, it is imperative that you are fully aware of exactly what it is you are looking for in a debt management company. You will need to be especially clear on the skills and expertise that you seek. But even before you get there you will need to understand exactly what debt consolidation is and also what debt settlement is and which of the two is a better option for your particular case. To understand debt consolidation you will need to grasp […]

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