Paying Bills to avoid Divorce

Paying bills from the home budget is a huge problem for First Time Home Owners. The bills must be paid. But you have not had a system for paying your bills yet. You need mortgage freedom and the Smart Mortgage Early Repayment System, SMERP.

As a new Couple, you may not have lived together for long. The day you move into your first home after renting is a time filled with fear and apprehension mixed with joy and anticipation. He might have been a little generous to enhance his image to her as males of all species do. He may have inflated his income and his debts, his finances and his net worth. She, like the females of most species, would embellish her beauty. She must impress him with her sophistication and class so her needs are expensive. She settles only for the best. Now is the true litmus test to their relationship. They must live together and spend together. Will the charade continue past the courtship stages, or will this Couple sit down and share their will to win financially? Quick implementation of a plan for financial freedom or mortgage freedom, such as the Smart Mortgage Early Repayment Plan early on will save their relationship. But, will they do it?

Divorce statistics put finances as the No#3 reason for family breakdown at all ages. Couples divorce because of:
Extra marital affairs
Power and control issues
Finances and Paying Bills
Lack of communication
Lack of love.
In laws
Children
Separate interests.
All of these impact directly and almost immediately on your Home Equity and the your Home Mortgage Freedom. Forget for a moment the Divorse Lawyer's bill of $15,000.00 to $20,000.00. When the bills from the Household Budget remain unpaid. They pile up then bills get dumped on the home mortgage in a refinance, as a Second Mortgage, a Debt Consolidation Loan or something.

Let us examine the basic elements of a household budget for the First Time Home Owner. Don't kid yourself…. These issues are played out with couples of all ages: Young Ones at ages in the 20's and 30's; Mid age, between, the 40's and 60's and the elderly couples above age 65. All couples must decide on a smart bills payment plan that falls underneath a mortgage freedom plan. Why? They immediately find an additional $250,000.00 to divert from Bank profits and Taxes. That money, introduced into a normal household Budget, will remove many a Family Fight over Money and save quite a few Marriages.

TO AVOID BUDGET PROBLEMS EARLY
TO STOP THE $$ WASTE ON CREDIT CARD INTEREST,
HIGH TAXES AND EXCESS MORTGAGE PAYMENTS CLICK HERE!

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Smart Home Budgetting
Strategies for paying bills in the Household

Bi-Weekly Mortgage Payments:

If you follow the Bi-weekly Payment plan, now offered by every Bank, you could save three or so years of mortgage payments. If your payments are about $1100 per month, that would mean savings of around $40,000.00. You could become so excited with that level of savings you could ignore THE $250,000.00... . The Quarter of a Million Dollars of Savings that await you with the Smart Mortgage Early Repayment Plan. HOW MUCH WOULD THAT HELP IN PAYING BILLS IN YOUR HOME BUDGET!!

How to Pay Off Credit Card Debts

There are smart strategies to pay debt. And then, Consumers pay in any which way. The Smart Mortgage Early Repayment Plan has a focus on paying the mortgage off very fast with a quarter of a million dollars of savings as the prize. You now give away similar interest payments and penalties without the help of a specific, Consumer friendly strategy to pay Credit Card Debts. That strategy is not based in exchanging an unsecured credit card debt by giving the Unsecured Creditor a Second Mortgage on your home. This is the common plan that most do and set back their mortgage freedom by many years. Send for the Report on Conquering Credit Card Debts you will find out how it is done.

Lines of Credit Cash, HELOC
or Creating Money from Thin Air?

The Line of Credit was a handy Bank invention to facilitate the needs of their best Customers –and of course to make some profits. Now Clever lawyers have deemed this an illegal bank activity. The Line of Credit became popular before electronic funds transfers, before the Debit Card, perhaps, even before the Credit Card became so immensely popular. It started as secured Credit at first. This was one way that the banks allowed favored Customers to have access to money. So you had a Term Deposit at the bank because you had Assets and a good Credit History. So, the bank would issue a Line of Credit to you. That way, you would spend from your Credit without having to go back to the Loan officer. The credit would also be issued because of the equity in your home, also considered an asset. This is the famous Home Equity Line of Credit, HELOC. On a home free and clear of any mortgage, the bank would issue a line of Credit up to 50%, -even may be 75% of the value of the home. The problem is this could set back the mortgage freedom plans big time. Gradually, the Line of Credit program became more flexible to include unsecured lines of Credit.

Just for being a good, regular Customer with good Credit, many a bank would now give you a Line o Credit at rates below Credit Card Charges.

The Line of Credit can be a good thing and it can be abused. You could spend that money to enhance your lifestyle, and create Bad Debt. Or, you could use the Line of Credit to improve your Cash Flow and your wealth and create Good Debt. That is why we prepared the Consumer Wealth Report to guide Consumers not just on issues of debt, but on issues of wealth creation as well. Despite pleadings of my Board to sell the Report at a handy fee, I have opted to give it away free for a limited time in order to assess Customer feed back. If you would like a copy, you must act immediately to request it. Don't put your early mortgage freedom at risk.

If you wait to late, to act, you might have to request Coaching and Counseling on these specific issues, but at a fee.

Vacations, Entertainment and Household Budget Bills

Let's focus here on the household budget because these are obvious consumable items. Above a basic level of necessary human needs, many of thse expense items are discretionary. You can decide to scrimp and save or to live the lavish lifestyle. These are the most tempting of all expenditures in paying your household bills.

Everyone loves a sunny, snorkeling vacation, dinner and a movie or a night out dancing. When the bills come, too often we have no plans to pay. What are some of the secrets to paying those bills?

Consumer Credit Solutions has prepared a series of reports on these topics. Usually, they will come up with creative ways to save money and still have a good time. Have you ever thought of Volunteering to work at entertainment and sports events, for example? Just like a job, you must have something special to offer above others. So learn Occupational First Aide. Learn another language or become a Scout or Guide Leader. With such a preferred position, you can be favored as a volunteer at events such as football games, other sporting and cultural events. Even the Olympic Games have a need for good, solid citizen volunteers.
Our report on getting paid airfare to almost anywhere is almost ready. Yes you heard me right. You could be paid to fly around the world –and not as a pilot or Attendant. You just have to find out how. Send for the report. Be sure to leave a current email address and opt in to give permission to receive our emails. It is amazing what you can accomplish with the right information. Saving from these discretionary areas could stretch the household income and leave more money available for regular mortgage payments and an earlier mortgage freedom date.

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