
-
PSG eye becoming France's first 'Invincibles'
-
Late birdie burst lifts Ryder to Texas Open lead
-
Five potential Grand National fairytale endings
-
Trump purges national security team after meeting conspiracist
-
More work for McIlroy even with two wins before Masters
-
Trump hopeful of 'great' PGA-LIV golf merger
-
No.1 Scheffler goes for third Masters crown in four years
-
Where Trump's tariffs could hurt Americans' wallets
-
Trump says 'very close to a deal' on TikTok
-
Trump tariffs on Mexico: the good, the bad, the unknown
-
Postecoglou denies taunting Spurs fans in Chelsea defeat
-
Oscar-winning Palestinian director speaks at UN on Israeli settlements
-
With tariff war, Trump also reshapes how US treats allies
-
Fernandez fires Chelsea into fourth as pressure mounts on Postecoglou
-
South Korea court to decide impeached president's fate
-
Penguin memes take flight after Trump tariffs remote island
-
E.T., no home: Original model of movie alien doesn't sell at auction
-
Italy's Brignone has surgery on broken leg with Winter Olympics looming
-
Trump defiant as tariffs send world markets into panic
-
City officials vote to repair roof on home of MLB Rays
-
Rockets forward Brooks gets one-game NBA ban for technicals
-
Pentagon watchdog to probe defense chief over Signal chat row
-
US tariffs could push up inflation, slow growth: Fed official
-
New Bruce Springsteen music set for June 27 release
-
Tom Cruise pays tribute to Val Kilmer
-
Mexico president welcomes being left off Trump's tariffs list
-
Zuckerberg repeats Trump visits in bid to settle antitrust case
-
US fencer disqualified for not facing transgender rival
-
'Everyone worried' by Trump tariffs in France's champagne region
-
Italy's Brignone suffers broken leg with Winter Olympics looming
-
Iyer blitz powers Kolkata to big IPL win over Hyderabad
-
Russian soprano Netrebko to return to London's Royal Opera House
-
French creche worker gets 25 years for killing baby with drain cleaner
-
UK avoids worst US tariffs post-Brexit, but no celebrations
-
Canada imposing 25% tariff on some US auto imports
-
Ruud wants 'fair share' of Grand Slam revenue for players
-
Lesotho, Africa's 'kingdom in the sky' jolted by Trump
-
Trump's trade math baffles economists
-
Gaza heritage and destruction on display in Paris
-
'Unprecedented crisis' in Africa healthcare: report
-
Pogacar gunning for blood and thunder in Tour of Flanders
-
Macron calls for suspension of investment in US until tariffs clarified
-
Wall St leads rout as world reels from Trump tariffs
-
Mullins gets perfect National boost with remarkable four-timer
-
Trump tariffs hammer global stocks, dollar and oil
-
Authors hold London protest against Meta for 'stealing' work to train AI
-
Tate Modern gifted 'extraordinary' work by US artist Joan Mitchell
-
Mexico president welcomes being left off Trump's new tariffs list
-
Tonali eager to lead Newcastle back into Champions League
-
Lesotho hardest hit as new US tariffs rattle Africa

Debt Consolidation Loans: Simplify Your Finances and Regain Control
Being in debt can create feelings of anxiety and dread about managing your personal finances. But when things feel scary and out of control, it's important to focus on what you can do. Debt, especially high-interest credit card debt, doesn't need to rule your life. In this article, we'll explore how debt consolidation loans can help simplify financial management to give you back control over your financial destiny.
What is a debt consolidation loan and how can it help?
A debt consolidation loan is a type of personal loan intended to help you shift multiple high-interest debts into a single loan with a more manageable monthly payment. Since personal loan rates tend to be lower than credit card interest rates, you may save hundreds of dollars in interest over the life of the loan, too.
Debt consolidation loans may help borrowers by:
Shifting debt from a variable interest rate to a fixed rate
Lowering monthly payments through lower interest or a longer repayment term
Streamlining debt management by consolidating multiple debts into a single monthly payment
Tips to take control of your financial future
If you're committed to getting out of debt, these steps may help.
1. Explore debt consolidation
It might be the right time to explore debt consolidation loans if you're ready to combine your debts and are committed to paying them off and changing your financial habits. Look for reputable lenders with a history of great customer service, then consider pre-qualifying for a loan offer.
Pre-qualification is a process that can let you know the loan amount and interest rate you might qualify for without impacting your credit score. Since pre-qualification uses a soft credit check, unlike the hard credit check that happens when you apply for a loan, you may be able to explore loans with multiple banks to help you choose the best option.
2. Instill new financial habits.
If you regularly overspend on impulse purchases, a few good financial habits can help curb spending, including:
Delete credit card numbers from your phone and computer browser. You might be less likely to make an impulse purchase if you need to track down your physical credit card. Consider removing the card from any sites that offer a one-click order to ensure there's at least one check in place before you make a purchase.
Limit time on social media. Social media platforms like Instagram are a haven for people trying to influence you to buy something you likely don't need. Consider curating your feed to only friends and family, choosing not to show targeted advertising, and unfollowing accounts that encourage spending.
Develop a shopping budget. Quitting anything cold turkey is challenging, so be honest with yourself about how much you can realistically cut back. If you can afford to do so, allocate $50 or $100 monthly toward guilt-free spending. If it's in your budget and earmarked for a purpose, you'll still be able to scratch the spending itch without having it put you further into debt.
3. Consider working with a financial professional.
A financial advisor or financial planner can walk through your current financials as well as your habits and feelings about money. They may be able to help you create a budget, think about short- and long-term financial goals, and set up automated systems for easier money management. As you search for the right professional, ask friends and family for recommendations, and be sure the professional is a fiduciary, which means they are obligated to act in your financial best interests and not their own.
The bottom line
Getting out of debt is a process, but it's one that's made significantly easier with the support of professionals and loved ones who want the best for you. Financial tools like debt consolidation loans are worth considering. Still, over the long term, it pays to develop good financial habits that can help you avoid getting into debt again in the future.
CONTACT:
Sonakshi Murze
Manager
[email protected]
SOURCE: iQuanti
P.Silva--AMWN