payday loans in tulsa

Phil Mulkins: Tips for paying off holiday credit card bills

Last year's credit card bills have mostly all come in, and "ho, ho, ho" is now "Oh, oh, no!"

You'll have to come up with some basic luxury deletions to get a start on this debt, such as paring down to basic cable, bagging lunch instead of dining out and making your own coffee instead of buying the fancy stuff. Next you'll apply that extra cash to the credit card debt.

Debt-free calculator: Another strategy you can employ is using a "credit card debt calculator" to find out what you'll have to pay monthly to make it home by Christmas. CNN Money has a good one at tulsaworld.com/CCDebtCalculator - the "debt-reduction planner." It calculates how long it will take you to be debt free, based on your total balance, interest rates per card and minimum monthly payments. You key in the required information and select: minimum payments, fixed payments (over the minimums) or "debt-free in ... months."

You should pay more than the minimums and attack the balance with the highest interest rate first. After several months of sacrifice, the debt will be conquered and life can resume as before. Bankrate.com outlines the riskiest ways to pay it down.

Tapping nest egg: Never use retirement savings for credit card debt. It's too expensive. Raiding your future financial security - your 401(k) - can cost you a 10 percent "early distribution tax" if you have not reached 59 1/2 years of age, and the amount taken is added to your taxable income (with a few exceptions) See "401(k) rules" at tulsaworld.com/401(k)Rules

Instead, temporarily stop contributions to your retirement account and use the extra money to pay off your credit cards. The interest you're paying each month, as balances roll from one month to the next, is outpacing the returns you're earning from your monthly contributions. Be sure to restart contributing as soon as you're debt-free.

Oklahoma Bankruptcy Law Payday Loans | EZ Oklahoma Bankruptcy

The EZ Oklahoma Bankruptcy's Tulsa Bankruptcy Lawyers represent Oklahomans with debt problems, helping them to navigate through the Federal Bankruptcy Codes and stop collection calls, foreclosures, and judgments, while protecting their assets. If you would like a free consultation with a Tulsa, Oklahoma bankruptcy attorney please call (918) 637-1546 or fill out this form. We are a Tulsa Oklahoma debt relief agency. We are Oklahoma Lawyers who help people file for relief under the Bankruptcy Code.

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Medical Billing And Coding Academic Degree – : Headquartered in Tulsa, Oklahoma, Outsource A...

Medical Billing And Coding Academic Degree – : Headquartered in Tulsa, Oklahoma, Outsource A...

Medical Billing And Coding Academic Degree – : Headquartered in Tulsa, Oklahoma, Outsource A...

Medical Billing And Coding Academic Degree – : Headquartered in Tulsa, Oklahoma, Outsource A...

Medical Billing And Coding Academic Degree – : Headquartered in Tulsa, Oklahoma, Outsource A...

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