Prosperity Trek by Prosperity Concierge » Reduce Debt http://prosperityconcierge.com/trek The trek to prosperity, step by step. Improve cash flow, build net worth, enjoy life and give back. To earn, spend, save and invest for happiness and fulfillment. Sun, 21 Aug 2011 21:20:25 +0000 http://wordpress.org/ en hourly 1 Trek IV Prosperity: Reduce Your Credit Card Debt http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspay-pay-off-your-credit-cards/ http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspay-pay-off-your-credit-cards/#comments Tue, 29 Sep 2009 23:23:16 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4spay-pay-off-your-credit-cards/ Do you have credit card debt that has a interest rate that is high (for example, 9% or higher)? If you do, then your savings strategy should be to pay down that debt.

If your interest rate is high on your credit card debt, more than 9% for example, use any extra savings to pay down

Continue reading Trek IV Prosperity: Reduce Your Credit Card Debt

]]> http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspay-pay-off-your-credit-cards/feed/ 0 Trek III: Reduce Credit Card Debt http://prosperityconcierge.com/trek/t/q3/p3spay-pay-off-credit-cards/ http://prosperityconcierge.com/trek/t/q3/p3spay-pay-off-credit-cards/#comments Tue, 29 Sep 2009 23:16:52 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/t/q3/p3spay-pay-off-credit-cards/ Do you have credit card debt that has a interest rate that is high (for example, 9% or higher)? If you do, then your savings strategy should be to pay down that debt.

If your interest rate is high on your credit card debt, more than 9% for example, use any extra savings to pay down

Continue reading Trek III: Reduce Credit Card Debt

]]> http://prosperityconcierge.com/trek/t/q3/p3spay-pay-off-credit-cards/feed/ 0 Trek II: Reduce Credit Card Debt http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spay-pay-credit-cards/ http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spay-pay-credit-cards/#comments Tue, 29 Sep 2009 23:13:22 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/?p=5698 Do you have credit card debt that has a high interest rate (for example, 9% or higher)? If you do, then your savings strategy should be to pay down that debt.

If you have a high interest rate on your credit card debt, more than 9% for example, use any extra savings to pay down the

Continue reading Trek II: Reduce Credit Card Debt

]]> http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spay-pay-credit-cards/feed/ 1 Trek IV Prosperity: Lower Your Credit Card Interest http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4spab-credit-card-interest-rate/ http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4spab-credit-card-interest-rate/#comments Tue, 18 Aug 2009 03:28:53 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/t/q4/p4spab-credit-card-interest-rate/ Check with your lender to get a low-interest credit card. Talk to your lender to get a lower interest rate if you have a credit card balance and a FICO score greater than 720.

Credit card companies want to keep customers, especially customers with high FICO scores who have outstanding balances. If you’ve paid

Continue reading Trek IV Prosperity: Lower Your Credit Card Interest

]]> http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4spab-credit-card-interest-rate/feed/ 0 Trek III: Lower Your Credit Card Interest http://prosperityconcierge.com/trek/t/q3/p3spab-credit-card-interest-rate/ http://prosperityconcierge.com/trek/t/q3/p3spab-credit-card-interest-rate/#comments Tue, 18 Aug 2009 03:23:45 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/t/q3/p3spab-credit-card-interest-rate/ Check with your lender to get a low-interest credit card. Talk to your lender to get a lower interest rate if you have a credit card balance and a FICO score greater than 720.

Credit card companies want to keep customers, especially customers with high FICO scores who have outstanding balances. If you’ve paid

Continue reading Trek III: Lower Your Credit Card Interest

]]> http://prosperityconcierge.com/trek/t/q3/p3spab-credit-card-interest-rate/feed/ 0 Trek II: Lower Your Credit Card Interest http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spab-credit-card-interest-rate/ http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spab-credit-card-interest-rate/#comments Tue, 18 Aug 2009 03:18:20 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/t/q2/p2spab-credit-card-interest-rate/ If you have credit card debt you may be eligible for some debt relief by getting a lower interest rate. Check with your lender to get a low-interest credit card. Your lender may be especially willing to help you lower your interest rate if you have a credit card balance and a FICO score greater

Continue reading Trek II: Lower Your Credit Card Interest

]]> http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spab-credit-card-interest-rate/feed/ 0 Trek IV: Enrichment and Fulfillment: Debt: Debt Payoff Plan http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspai-debt-reduction-plan/ http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspai-debt-reduction-plan/#comments Mon, 17 Aug 2009 01:17:27 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/t/q4/p4spai-debt-reduction-plan/ This step on your prosperity trek… This is an action step for families that have outstanding debt. This step will improve cash flow and build net worth by reducing interest expense and debt liability. Difficulty rating: Moderate

This step will give you some information to help you create a plan to get debt relief as you reduce your debt.

Continue reading Trek IV: Enrichment and Fulfillment: Debt: Debt Payoff Plan

]]> http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspai-debt-reduction-plan/feed/ 0 Trek III: Wealth and Prosperity: Debt: Debt Payoff Plan http://prosperityconcierge.com/trek/t/q3/p3spai-debt-reduction-plan/ http://prosperityconcierge.com/trek/t/q3/p3spai-debt-reduction-plan/#comments Mon, 17 Aug 2009 01:12:12 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/t/q2/p2spai-debt-reduction-plan/ This step on your prosperity trek… This is an action step for families that have outstanding debt. This step will improve cash flow and build net worth by reducing interest expense and debt liability. Difficulty rating: Moderate

This step will give you some information to help you create a plan to get debt relief as you reduce your debt.

Continue reading Trek III: Wealth and Prosperity: Debt: Debt Payoff Plan

]]> http://prosperityconcierge.com/trek/t/q3/p3spai-debt-reduction-plan/feed/ 1 Trek II: Net Worth: Debt: Debt Payoff Plan http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spai-debt-reduction-plan/ http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spai-debt-reduction-plan/#comments Mon, 17 Aug 2009 00:54:51 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/?p=4224 This step on your prosperity trek… This is an action step for families that have outstanding debt. This step will improve cash flow and build net worth by reducing interest expense and debt liability. Difficulty rating: Moderate

This step will give you some information to help you create a plan to get debt relief as you reduce your debt.

Continue reading Trek II: Net Worth: Debt: Debt Payoff Plan

]]> http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spai-debt-reduction-plan/feed/ 0 Enrichment and Fulfillment: Debt: Improve Your Credit Score http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspaa-pay-down-debt-to-boost-credit-score/ http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspaa-pay-down-debt-to-boost-credit-score/#comments Sun, 09 Aug 2009 21:41:32 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/t/q4/p4spaa-pay-down-debt-to-boost-credit-score/ The terrain: Prosperity Quadrant IV (negative cash flow; positive net worth). The trek: To use prosperity to enjoy life and give back. This activity on the trek: To improve cash flow by reducing debt expense. Difficulty rating: Moderate

You can raise your credit score by paying down debt. Reduce your debt to get a lower interest rate on existing loans

Continue reading Enrichment and Fulfillment: Debt: Improve Your Credit Score

]]> http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspaa-pay-down-debt-to-boost-credit-score/feed/ 0 Wealth and Prosperity: Debt: Improve Your Credit Score http://prosperityconcierge.com/trek/t/q3/p3spaa-pay-down-debt-to-boost-credit-score/ http://prosperityconcierge.com/trek/t/q3/p3spaa-pay-down-debt-to-boost-credit-score/#comments Sun, 09 Aug 2009 21:30:21 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/t/q3/p3spaa-pay-down-debt-to-boost-credit-score/ The terrain: Prosperity Quadrant III (positive cash flow; positive net worth). The trek: To build wealth and use prosperity to enjoy life and give back. This activity on the trek: To improve cash flow by reducing debt expense. Steps you should complete before beginning this step: Get the 401(k) match Difficulty rating: Moderate

You can raise your credit score by

Continue reading Wealth and Prosperity: Debt: Improve Your Credit Score

]]> http://prosperityconcierge.com/trek/t/q3/p3spaa-pay-down-debt-to-boost-credit-score/feed/ 0 Net Worth: Debt: Improve Your Credit Score http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spaa-pay-down-debt-to-boost-credit-score/ http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spaa-pay-down-debt-to-boost-credit-score/#comments Sun, 09 Aug 2009 21:20:17 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/t/q1/pay-down-debt-to-boost-credit-score/ The terrain: Prosperity Quadrant II (positive cash flow; negative net worth). The trek: To build net worth. This activity on the trek: To improve cash flow by reducing debt expense. Steps you should complete before beginning this step: Get the 401(k) match Difficulty rating: Moderate

You can raise your credit score by paying down debt. Reduce your debt to get

Continue reading Net Worth: Debt: Improve Your Credit Score

]]> http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spaa-pay-down-debt-to-boost-credit-score/feed/ 0 Trek IV Prosperity: Evaluate Debt http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspaj-evaluate-debt/ http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspaj-evaluate-debt/#comments Mon, 03 Aug 2009 01:58:57 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/t/q4/p4spaj-evaluate-debt/ Your net worth consists of two components: assets and liabilities. Liabilities are the debt that you owe others. And liabilities, debt, comes in all shapes and sizes.

One of the most profound questions is: How much debt is too much?

To determine if you have too much debt begin by looking at your short-term debt

Continue reading Trek IV Prosperity: Evaluate Debt

]]> http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspaj-evaluate-debt/feed/ 0 Trek III: Evaluate Your Debt http://prosperityconcierge.com/trek/t/q3/p3spaj-evaluate-debt/ http://prosperityconcierge.com/trek/t/q3/p3spaj-evaluate-debt/#comments Mon, 03 Aug 2009 01:54:56 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/t/q3/p3spaj-evaluate-debt/ Your net worth consists of two components: assets and liabilities. Liabilities are the debt that you owe others. And liabilities, debt, comes in all shapes and sizes.

One of the most profound questions is: How much debt is too much?

To determine if you have too much debt begin by looking at your short-term debt

Continue reading Trek III: Evaluate Your Debt

]]> http://prosperityconcierge.com/trek/t/q3/p3spaj-evaluate-debt/feed/ 0 Trek II: Evaluate Debt http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spaj-evaluate-debt/ http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spaj-evaluate-debt/#comments Mon, 03 Aug 2009 01:27:58 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/?p=3775 Your net worth consists of two components: assets and liabilities. Liabilities are the debt that you owe others. And liabilities, debt, comes in all shapes and sizes.

One of the most profound questions is: How much debt is too much?

To determine if you have too much debt begin by looking at your short-term debt – credit

Continue reading Trek II: Evaluate Debt

]]> http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spaj-evaluate-debt/feed/ 0 Trek IV Prosperity: Get Free Credit Report http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspah-manage-debt-credit-reports/ http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspah-manage-debt-credit-reports/#comments Sat, 13 Jun 2009 17:45:55 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/t/q4/p4spah-manage-debt-credit-reports/ Get free credit reports to help you manage debt.

Your free credit reports allow you to check the credit history that others have compiled about you.

How to Manage Debt with Free Credit Reports Go to annualcreditreport.com once every four months Each time you go alternate between these 3 companies: Experian, Equifax and Trans Union. You can get a

Continue reading Trek IV Prosperity: Get Free Credit Report

]]> http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p4fspah-manage-debt-credit-reports/feed/ 0 Trek III: Get Free Credit Report http://prosperityconcierge.com/trek/t/q3/p3spah-free-credit-report/ http://prosperityconcierge.com/trek/t/q3/p3spah-free-credit-report/#comments Sat, 13 Jun 2009 17:35:36 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/t/q3/p3spah-free-credit-report/ You can get a free credit report to help you manage your debt.

Your free credit report will allow you to check the credit history that others have compiled about you.

Manage Debt Go to annualcreditreport.com once every four months Each time you go alternate between these 3 companies: Experian, Equifax and Trans Union. You can get a free

Continue reading Trek III: Get Free Credit Report

]]> http://prosperityconcierge.com/trek/t/q3/p3spah-free-credit-report/feed/ 0 Trek II: Get Free Credit Report http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spah-how-to-get-free-credit-report/ http://prosperityconcierge.com/trek/steps/spend-steps/reduce-debt/p2spah-how-to-get-free-credit-report/#comments Sat, 13 Jun 2009 22:28:37 +0000 Prosperity Concierge http://prosperityconcierge.com/trek/t/q2/p2spah-how-to-get-free-credit-report/ You can get a free credit report to help you manage your debt.

Your free credit report will allow you to check the credit history that others have compiled about you.

Manage Debt Go to annualcreditreport.com once every four months Each time you go alternate between these 3 companies: Experian, Equifax and Trans Union. You can get a free

Continue reading Trek II: Get Free Credit Report

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