In November of 2007, Jeffrey finally broke down a bought the big HD TV he had been wanting for a while.  He got a good deal, and he got free financing for 3 years.  So, I pay a bit each month.  The balance goes down; the deferred interest goes up.  Oh yeah, the financing is only free if you pay off the entire balance before your promotion expiration date.  Don't pay it all, and they hit you with all that interest.

This month's New Balance: $555
Deferred Finance Charges:  $742

That is scary - I'm definitely making sure this is paid off early.  I have until the end of January 2011.

Today on either Good Morning America or Regis and Kelly, they were talking about helping people get out of debt. One of the points they made was that, if you have a whole bunch of credit cards you are paying on, and you are paying a little bit here and a little bit there, then you really have no leverage. If you call the credit card company up and ask for a lower interest rate, it really doesn't benefit them to give it to you. They suggested Debt Consolidation so that you are paying one company a bigger chunk of money. Then, they will be more likely to listen to you and give you what you ask for. Besides that, it is easier to manage one payment instead of a whole bunch of smaller ones.  By getting the interest rate down, you can sometimes lower your monthly payments while still whittling away at that mountain of debt.

Best Leading Lenders is one of the leading online Loan providers. They offer the lowest possible finance rates and quick approvals on loans   for just about any need or situation.  From auto loans to student loans, Personal Loans, and debt consolidation, they might have just what you are looking for.  Getting approved is fast and simple, and there are never any application fees.  But they don't just offer loans.  They give you access to some of the best, most reputable debt consolidation professionals, who will give you a free debt consolidation consultation with no obligation.  Just fill out their online form.  It might make it easier to ask for help, not having to talk to someone face to face, at least not at first.

When we bought the new car, they of course had to do a credit check on us. That gave us an opportunity to find out what our credit scores are, and we were happy to find out that they are very good.   Of course that did not happen without a lot of work and some blessings, too.

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