New Years Resolutions usually bring more than vailed promises... They bring the reality of Christmas Bills via Credit Card or Line of Credit.
A couple of suggestions: (1) be brave and open all of your bills and statements when you get them.. Quite often Credit Card companies will insert some value added promotions in their January statements that will ease the burden of payment. Deferred balances, payment holidays, Balance transfer options are all part of the package in some cases. If you dont open the bill you might miss the opportunities.
(2) Priortize Payments: take care of your home utilities bills first and pay everyone something if you can not pay them off entirely.
(3) Call your creditors: Say hi and Happy New year! this tact will allow you to be upfront and personal with the Customer Service folks and they might just have some suggestions similiar to the above to help out.
(4) Af you find you are drowning, contact a bonifide Credit Counsellor and get some more advice. Bankruptcy-America.com can help too.
A couple of suggestions: (1) be brave and open all of your bills and statements when you get them.. Quite often Credit Card companies will insert some value added promotions in their January statements that will ease the burden of payment. Deferred balances, payment holidays, Balance transfer options are all part of the package in some cases. If you dont open the bill you might miss the opportunities.
(2) Priortize Payments: take care of your home utilities bills first and pay everyone something if you can not pay them off entirely.
(3) Call your creditors: Say hi and Happy New year! this tact will allow you to be upfront and personal with the Customer Service folks and they might just have some suggestions similiar to the above to help out.
(4) Af you find you are drowning, contact a bonifide Credit Counsellor and get some more advice. Bankruptcy-America.com can help too.
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