Online Money Management for Consumers

Overwhelming credit card debt is often simply a symptom of poor spending and money management habits.

A great free resource for consumers who struggle to balance their check books each month is MINT.com. The site is owned and operated by Intuit, the same company that provides the popular Tubortax and Quickbooks software. The site is 100% FREE.

Mint.com ties together all of you finances into one easy to use portal, including your checking and savings accounts, retirement funds, credit cards, mortgages and car loans. In addition, it allows users to set up custom budgets and tracks all of your purchases, regardless of whether you use your credit card, debit or cash. With the click of your mouse you can quickly see how much you have spent at Starbucks, at Target or on more general categories such as groceries or clothing. Mint.com will tell you how your spending compares to others nationally and give you tips to save money.

If you would like a more personal approach to money management, call Pacific Debt today 1-877-722-3328 and one of our representatives would be happy to review and budget and explain your options for tackling your debt issues.

How the debt ceiling impacts your credit card debt

As most Americans are aware our elected officials are currently evaluating a number of plans aimed at getting our nation’s ballooning debt under control while concurrently raising the debt ceiling.

Without raising the debt ceiling, it is predicted that the US could default on its current debt obligations and see its credit rating plummet from AAA to D status. From a consumer’s standpoint that is like seeing your FICO credit score drop from 750 to 500 overnight. In fact, the Federal Reserve is making plans for this possible scenario.

If the US does default, consumers should expect to see higher interest rates on everything from Credit Cards, mortgage notes, and car loans.

If you already find yourself in a situation where you can not meet your credit card obligations or are struggling to do so, give our counselors a call today at 1-877-722-3328 or email us at [email protected]

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