173672 53 Business & Finance Personal Finance Debt true Mon, 20 Apr 2009 10:32:52 -0700 /system/videos/2/72/36/17/173672.flv DIY, Instructional, tutorial, Do It Yourself, Tips, Essential Skills, Learn to, business, finance, personal How To Avoid Bankruptcy http://www.howcast.com/videos/173672-How-To-Avoid-Bankruptcy http://www.howcast.com/videos/173672-How-To-Avoid-Bankruptcy/edit approved 127 640 480 <object width="425" height="352" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=173672"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=173672" type="application/x-shockwave-flash" width="425" height="352" allowFullScreen="true" allowScriptAccess="always" ></embed></object> 7 Altius http://img.howcast.com/system/thumbnails/173672/Picture_1_xxlarge_maintained_aspect.png 638 false false false 67453 1 27 Step http://img.howcast.com/system/thumbnails/173672/27.jpg Use cash Stop using your credit cards and start paying cash for everything.

]]> 67454 2 32 Step http://img.howcast.com/system/thumbnails/173672/32.jpg Examine your habits Examine how you got into debt so you can make the necessary changes. Did you lose your job and not have emergency savings, or are you a shopaholic?

]]> 67455 3 41 Step http://img.howcast.com/system/thumbnails/173672/41.jpg Compare income to expenditures Tally up what you spend each month and compare it to your income. For many people, being in debt is simply a matter of having more money going out than coming in.

]]> 67456 4 49 Tip Some banks offer free debt counseling.

]]> 67457 5 54 Step http://img.howcast.com/system/thumbnails/173672/54.jpg Lower monthly expenses Find ways to lower your monthly expenses. Believe it or not, you can survive without cable TV, your morning latte, call-waiting, and the weekly tabloids for a while.

]]> 67458 6 64 Step http://img.howcast.com/system/thumbnails/173672/64.jpg Raise cash Raise some cash – have a garage sale, get rid of stuff on eBay, give your old clothes and accessories to a resale shop, get a part-time second job – and apply the proceeds directly to your debts.

]]> 67459 7 77 Step http://img.howcast.com/system/thumbnails/173672/77.jpg Let others know Explain to people in your life that you’re trying to pay off debt. They’ll be impressed and think of your new fiscal outlook as “responsible” instead of “cheap.”

]]> 67460 8 85 Step http://img.howcast.com/system/thumbnails/173672/85.jpg Pay down credit cards Figure out how much you can spend monthly on paying down credit cards. Pay off cards with small balances or the highest interest rates first.

]]> 67461 9 94 Step http://img.howcast.com/system/thumbnails/173672/94.jpg Consolidate debt Consider consolidating your debt by getting a loan that would pay off your revolving debt and leave you with one fixed loan.

]]> 67462 10 101 Tip If you are a home owner, you can consolidate your debts with your mortgage, which usually reduces your payments and is now tax-deductible. There may be closing costs attached.

]]> 67463 11 110 Step http://img.howcast.com/system/thumbnails/173672/110.jpg Firm your resolve Resolve never, ever to live beyond your means again.

]]> 67464 12 116 Fact In 2005, more than 2.1 million Americans filed for bankruptcy, the largest number in recorded history.

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