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Thursday, February 5, 2009

The Mistake with your Billing Statement

By Paul J. Easton

In paying your debts, you always dread to look at the billing statements because of the horrible amount you are to be paying for the next decades to come. Not studying these bills actually makes you more a victim of the credit card companies. I know that there are many emotional reasons why you prefer not to look at it but consider the small changes and you can end up saving a lot of money.

By taking the time to meticulously look at your billing statements before making payments, you will attack the problem upfront. Most utility companies do their billing process electronically. But this does not mean that an error cannot be made. Sometimes, it pays to check that you are paying the right amount or find those mistakes. By inquiring to their customer support, mistakes can be taken care of and remedied. This prevents you from paying more than the supposed payment because of one unintentional yet costly mistake for your part. They can even offer something to relieve you from that inconvenience they brought due to that mistake.

Find out too what you can do with your credit card debts. Some credit card companies offer their debtors with financial assistance when they observe that you are having some problems paying your bills. If will probably offer you a plan to consolidate your loans with lower interests and free from other charges. Always read the fine print with these deals. Make certain that you are in the position of really getting out of debt instead of acquiring more.

Compare all your bills and prioritize expenses that you can maintain and are very necessary. If you can't afford it, find a cheaper alternative or just cut off the service. One of the examples for these common expenses that keep you in a debt cycle is the cable TV subscription. Is your cable TV so expensive you are struggling with paying it on time? Try a cheaper alternative that will work just fine. This package might have lesser choices but this is part of an important move you are making to get ahead with life financially later. Moreover, you can still live without that cable package, so ditch that off now.

Another thing you can eliminate to cut costs is your landline and cell phone postpaid plan. Just choose between the two to maximize its use. Find better deals with your cell phone plan provider.

By merely looking at the bills, you become conscious of what you pay for. You become more aware of the things you are expending at and you end up making the most from the services you subscribe to. This is what you call focusing yourself with what you have. Surely, if you are paying more than the things you can afford, you might have overlooked payments in your statement. So find out how to reduce your expenses today. You'll be happier when you did it finally. Get debt-free today with tips on how to get rid of debt here.

For information on how to get rid of debt, go to by Paul J. Easton.


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