התמודדות עם חובות תשלומים חודשיים עם תקציב

כשאתה אתה מאבד את העבודה, אין שום דבר שאני מעדיף לעשות יותר מלהתכרבל על הספה עם קערה ענקית של גלידה וכל האוכל שנמצא באזור של העיר כדי להתאים. הבעיה היא שיש יותר עבודה מאשר אובדן התחושות של חוסר ודאות וספק עצמי – זה הוא זמן שבו אנחנו חייבים לשים לב יותר מתמיד לכספים שלנו. זה זמן לבחון היטב את התקציב ולוודא שאתה יוצא מתקופה הקשה חזק מתמיד זה בלי לטבוע עם חובות תשלומי משכנתא שלקחת בזמנים הטובים שהייתה עבודה.

חוב משכנתא הוא אחד החובות הנפוצים ביותר, במאמר זה נדון טיפים להתמודדות עם חובות תשלומי משכנתא גם עם יש תקציב מוגבל :

עכשיו שאתה מחוסר עבודה עם פחות כסף מגיע כל חודש, זה זמן לחזור לעבודה במסגרת התקציב שלך. על פי האובדן דרסטי של הכנסות,ההחלטה הראשונה היא אם לעשות אתה יכול להרשות לעצמו להישאר בבית הנוכחי שלך .

אם אינך יכול לעמוד בתשלומי המשכנתא שלכם או בתשלומי השכרת דירה, יהיה זה רעיון טוב למכור את הבית שלך או למצוא מקום חדש שיוכלו לשלם יותר בקלות. עוד אתה נשאר בבית שלא יכול לשלם ,הבעיה הכלכלית שלך רק תגבר.

אם התנועה היא שינוי קיצוני מדי, עליך לנסות לנהל משא ומתן על המשכנתא שלך בריבית נמוכה יותר לתקופה ארוכה יותר או יותר מועמדים.

עם יש לך חובות אחרים, כגון הלוואות רכב , הלוואות אישיות וחוב על כרטיסי אשראי , ייתכן שתוכל לגבש את החוב שכאשר אתה לארוז מחדש את המשכנתא שלך בריבית נמוכה יותר מאשר עכשיו. הריבית על הלוואת הבית שלך היא נמוכה בהרבה מחובות אחרים , כך שאם אתה יכול לאחד את כל החובות שלך לתוך הלוואה אחת קלה , אתה תשלם הרבה פחות כסף בטווח הארוך.

העדיפות הראשית שלכם בתקציב שלך היא מציאת דרך לכסות את תשלומי המשכנתא שלך או לשכור , כי אתה צריך גג מעל הראש שלך גם אם יש לכם חוב משכנתא מעיק. ברגע שיש לך מקום לגור בו, ערוך רשימה מקיפה של הוצאות משק בית אחרות וכולל כל דבר, החל מצרכים שבועיים ובנזין, בידור ומוצרי מותרות. שים לב להוצאות שלכם שיקול דעת ולנסות לצמצם את כולם ביחד לזמן מה. עם שיעורי ריבית נמוכה כפי שהם, כל עוד כסף בחוב שלך , בתורו, לפנות יותר מסכום הקרן שלהם.

אף אחד לא אוהב להיות חייב על דברים שהיו אמורים להיות מסוגל לשלם עליהם וזה החלטה קשה למכור את הבית שלך או נכס המניב שאוהב לחיות בההמשבר הכלכלי לא יימשך לנצח, ואם אתה יכול לשרוד חובות תשלומי משכנתא בלי לקבל חוב בכרטיס אשראי או לאבד את אחד הנכסים יהיה הרבה יותר טוב כאשר אנחנו הולכים להוצאה לפועל, הטיפ החשוב ביותר זהו נסה לשכנע את בעלי החוב לפריסת תשלומים בריבית נמוכה יותר כזאת שתוכל לעמוד בה, עליך לנסות לנהל משא ומתן – תתפלא לדעת כמה בעלי חוב מעדיפים לפחות כיסוי חלקי של חוב מאשר האפשרות שלא תשלם כלל…

התמודדות עם חובות

Cash flow: Our 5 Tips for Success

Can have is one of the most important skills that a small business owner, keeping your company in bankruptcy, is the area of ​​forecasting cash flows. If you are determined to take control of your business, there are some important things to know before you start. Follow these five simple tips to start controlling your cash flow projections.

A. Details, details, details!

An important factor when you start forecasting cash flow is to make sure that you take care of the details devil really in the details! The reason this is important because of the prognosis. Some degree of accuracy beyond the numbers that you must have all the details together that comes his theory and DATABASE If you have any information, so the figures are not very credible. With a degree of detail in his company, then you may have no money, if you need to put your business risks.

Second Data and Information

Another important aspect for your forecasts of cash flows is to separate the data and information. This is where you can clearly see what data and what information. In case of a cash flow forecast, it is the data and the form of entrance fees, or how much power can be obtained from certain inputs. The information is the release of their number and the results of their calculations. It is important to make this distinction because they easily get caught in the details of the project, but forget the bigger picture. If you are sure that you clearly segregated and to identify data and information in separate areas, then it’s OK.

Third Check calculations

This is perhaps the only thing that can make a forecast of cash flows (and companies) on the path of self-destruction. Miscalculation or small logic can be fatal, and it is a big problem with using spreadsheets to create forecasts. For example, a simple calculation error, leads to a loss of millions of dollars in business (relationships). The safest way if you can afford it, is to proprietary software (not on spreadsheet based) was developed to predict. Otherwise, ask someone to do it for you.

A cash flow forecast may well apparently raining money.

4th My cash flow forecasts seem fair?

Have you considered whether it generated numbers seem realistic? There are many cases where people end a month and then copy it to the other 11th It is not realistic and will not compromise the prognosis and can your company serious financial problems if you are. This is not as difficult as you might think. You have to do is set next to a few days, then again with a new and critical study, “This is really the reality?” It is essentially a financial model of the company should be negotiated, so realistic.

5th Do not leave it alone.

A forecast is dynamic. Changes in the economy, your competitors are things that you do never considered must your business. To maintain control of their business, their prognosis should develop over time. Gone are the days when he made a 12-month budget, place the file on the shelf and forgotten until next year. When you do this, you will soon run out the money in six months. You need to change course, but because they do not know where it will look. All that you need to do to avoid this is to regularly check its forecasts and be sure to update to the actual results.
There you have it: 5 tips for a successful forecast cash flow!

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experienced bankruptcy attorney should help you with the debt

The importance of an experienced bankruptcy attorney

Nobody in this world will always go through bankruptcy, because it comes with a lot of baggage and issues. If you declare bankruptcy, you are required to obtain the services of a bankruptcy lawyer who can effectively deal with the situation. Bankruptcy is a legal process by which a company forced to liquidate a person or his / her assets in order to be able to. Its debt / she is paying defined Once you have filed for bankruptcy, the creditors filed a petition for the debtor to complete the payment of the balance.

Once that happens, you need the services of a bankruptcy lawyer with legal consequences, to help support the bankruptcy. This is because bankruptcy is a state that is recognized by the law and there are laws that regulate explains the interaction between the creditor and the debtor after bankruptcy. An experienced bankruptcy lawyer is the best person to deal with these cases because the lawyer in a better position will be to get the best deal for the case. Therefore, you should take the time to find a good bankruptcy attorney to find experience.

Bankruptcy list is also known as bankruptcy and is classified into two types. It is very important to have a bankruptcy attorney, if he / she can advise you on the details of the case. A good and experienced lawyer should be able to give you details and information about the case, and he / she must also be able to analyze his statements, documents, credit card debt, credit accounts and financial records. After the lawyer has the financial situation of the organization or individual analyzes bankrupt and he / she can advise you on the best way forward.

There are two types of bankruptcy proceedings and include:
Chapter 13: This type of bankruptcy should be familiar with an experienced bankruptcy attorney. This is a declaration of bankruptcy, if the debtor an income that is higher than the median income of the state. The debtor has the option of a program of debt management. This is a clear guideline on the debtor and the payment is to him / her clean his / her debt in a relatively short time. It usually takes 3-5 years. The court appoints a trustee who collects the payment from the debtor and distribute it among creditors. The trustee collects the debtor for the service.

Chapter 7: This type of bankruptcy is filed usually by the time the debtor’s income is not high and is unable to pay his / her loan. This type of competition is the most common and require a bankruptcy attorney who is experienced and knows everything about bankruptcy law. Liquidation of assets may require the debtor to pay his debts / she can. An administrator is appointed by the court to stop the sale and liquidation of non-exempt employees to monitor all assets debtor. The supervisor also monitor the entire property of the debtor is the owner and pay creditors with the money acquired from the liquidation. There are some cases in which the debtor is allowed some of their assets is maintained.

Without an experienced bankruptcy attorney could be very difficult to try. Bankruptcy law and how it is to understand and interpret to Know that to bring experienced attorneys to the table is invaluable and will determine the outcome of the case. Many lawyers will try to fool you into their qualifications and experience, but you should examine carefully so that you can ensure that the lawyer. Use very experienced and can provide exactly what you are looking for Experienced bankruptcy lawyers are not cheap, so you are part of a large sum of money.

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