Google+ Single Mom Debt Talk™ | Personal Finance Community

Tuesday, August 8, 2017

Cash In On Kroger Checklist: High-risers Dread Shopping Trips

Cash In On Kroger Checklist: High-risers Dread Shopping Trips

Monday, April 7, 2014

Plan Your Way To Prosperity

Planning is a must for a single mom's prosperity, and essential in any financial program.

It is literally committing financial goals to written form.

The Law of the Universe states that someone who plans well will foresee dangers and avoid them, but the foolish person, the one who doesn't plan, will rush ahead, do whatever is convenient, and end up paying the penalties.

Just as we can't build houses without blueprints, we can't have the financial structure of personal finance without blueprints or plans.

In other words, we must live on a budget or short term plan.

And then, we must look ahead to see future needs, and try to meet them in our long term plan.

A budget is not just for people who are cash strapped.

In fact, most wealthy people maintain a budget... and having one is how they planned their way to prosperity.

"A fool with a plan, is better than a genius without one." T. Boone Pickens, American Business Magnate and Financier

If you want to become prosperous, you must have a plan.

If you fail to plan, plan to fail financially.

Thanks for reading. Please leave a comment and share this post.

Single Mom Debt Solutions
Tonza Borden

Tuesday, April 1, 2014

Should You Consolidate Or Settle Your Delinquent Debts

Delinquent Debts
Bills are due upon receipt, but most Americans who receive a huge pile of bills each month can barely make ends meet.

As a result of past due bills, you are experiencing sleepless nights, and harassing phone calls from creditors.

Have you ever considered how much interest you are paying every month for all your delinquent loan payments?

If you can’t handle your multiple monthly bills and loan payments, then you’re already in a financial crisis.

The inability to make timely monthly payments will accumulate additional charges or fees (up to the maximum allowed by law), which some lenders consider default.

These added charges will only get you deeper in debt.

It’s time to know the benefits of an experienced and tested debt settlement company to help you.

When the stress of debt starts to build, there are two main options to help provide a solution. 

Debt Settlement

Debt settlement is a process in which you accumulate funds in a trust account to use for paying your debt.

The debt settlement company will negotiate to reach agreed to resolutions on your accounts with the goal of saving you the most money possible, being as flexible as possible, and getting your debts resolved as quickly, and painlessly as possible.

In this type of program, your home and property is not affected, if you miss one payment, the program is flexible, designed to reduce the balances as much as possible, and resolve the debts based on the payment or funds that you have available.

Debt Consolidation

Debt consolidation is a general term that encompasses various programs to address debt.

In most cases, these debt consolidation programs could actually put you in a worse place than you are now, if you don’t speak to a certified credit counselor.

It works best when the debts are not secured by any real property.

Get in touch with a debt consolidation company for a debt analysis to reverse your financial crisis.

If you owe multiple debts accumulated from credit cards, automobile financial lending companies, and private lenders, consider settlement with a reliable financial crisis assistance company. 

This could mean your long awaited financial freedom.

The initial contact that potential customers make will be for their representatives to understand your current situation, what led to you needing financial assistance, and to talk a little bit about your goals, both short term and long term.

They will ask you questions about your finances to get a little more information so they can make the right recommendations for you.

Again, this call is free of charge, and it is to make sure you are comfortable with their services.

The phone call is completely confidential.

They will use the information they learn from your conversation to give you free recommendations on the steps to take to get you back to financial stability.

They will either be able to help you immediately or, they will refer you to one of the best solution providers in the industry.

Click on my Google+ Followers on the right today to find out whether you should consolidate your bills, or how they can improve your financial situation and thus, improve your life.

There’s no looking back after that, you can look forward to a debt-free lifestyle where cash is still king!

Thank you for reading. Please leave a comment and share this post.

Single Mom Debt Solutions
Tonza Borden

Sunday, March 30, 2014

My Get Out Of Debt Journey

Get Out Of DebtMy get out of debt journey started when I requested a free debt analysis; and after speaking to a certified credit counselor, I decided to do whatever it took to get debt free once and for all!

I had approximately $65,000 worth of credit card, and other debt (not unheard of in today’s economy), and a lot of it was medical, personal loans, and a nasty auto repossession judgment.

To top it off, I had lost my full-time job with the nations largest employer.

Ignoring My Debt Didn’t Make It Disappear

However, I knew with a lot of determination I could solve my debt problems, and be on the road to recovery the sooner I could get started.

Using the techniques in my debt management plan, I got right to work.

Most of my days were spent trying to restore my health, searching for a job, and trying to build a micro business, but I found the time I needed to get going on my plan.

I stopped all unnecessary spending, didn’t buy any clothes or shoes, fixed my own hair, did my own manicure, pedicure and eyebrow arch, and swallowed my pride to ask for food favors, at times.

I reversed spending money for goods and services I was accustomed to, and learned to do more for myself, make do with what I had, and do without certain things.

It wasn’t easy, and many days and nights I cried like a baby about my menacing debt and poverty, which resulted from severe disability.

Because my debt situation was so grave, it took me about two years (with limited income).

After I got over the judgment hurdle, I finally got the debt snowball rolling and eliminated about $45,000 of the $65,000 I owed.

I followed the rest of the plan and became free and clear of all of my debt.

If I had continued to sit around and do nothing about my debt, as I had done for several years, I wouldn’t be where I am now.

I bought the house in the photo in 2009, and I still live frugally.

The best thing is… YOU can get there too… it’s up to you!

If you’re tired of sitting around and doing nothing about your debt… trying to ignore it… why don’t you just request a debt settlement, debt negotiation, or debt consolidation savings estimate.

Thank you for reading. Please leave a comment and share this post.

Single Mom Debt Solutions
Tonza Borden

Monday, March 24, 2014

Fortune Favors The Bold To Get Out Of Debt

Get Out Of Debt
I’ve always loved the saying, “fortune favors the bold”…

I believe it was originally attributed to Julius Caesar, but it probably predates even him.

There’s another version of it I like even better by Dorothea Brande:  “Act boldly and unseen forces will come to your aid.”

In my experience, both of these statements are absolutely true.

When I took bold action to get out of debt, I got big results.

Why does this happen, and how does it apply to getting out of debt?

Usually, I don’t care about “why” something works, only that it does.

However, there is value at times in getting into the “why” because it allows you to apply the “why” to other areas, and to come up with even more powerful ideas.

Bold action, by its nature, which +Seth Godin calls “remarkable,” tends to attract attention.

And, no matter how bright and smart you are, you simply cannot succeed in life without taking bold action or, the aid of others.

The quality of boldness is very attractive and remarkable.

Single Moms Who Get Out of Debt are Winners

Patton, one of my favorite military generals, had it 100% right when he said, “America loves a winner.”

One of the big qualities of winners is bold action, and people are attracted to winners.

When you start doing a lot of bold things, you attract people who want to be a part of what you’re doing.


Because few people act boldly, and they want to live vicariously through those who do.

However, that’s being lazy and fearful.

Think about the single mom you know who boldly started a business nobody thought ever had a chance of succeeding.

And, immediately took this “stupid” business idea to staggering success.

Everyone wanted to hangout with her because she had “guts.”

And, more often than not, she always got the outcome she was looking for.


Because boldness is attractive and remarkable.

Now, don’t confuse boldness with stupidity.

I know people who’ve done stupid things boldly, and gotten the results they deserve.

Bold action, even to get out of debt, should only be taken with good preparation backed up by tested, proven knowledge.

However, when you do study the area you want to apply action to, when you prepare diligently, you must act boldly and decisively when the opportunity presents itself.

And, the more bold action you take, the more opportunity will come your way… it’s an amazing “self feeding” mechanism.

So, prepare diligently, and act boldly.

Unseen forces will come to your aid… to help you get out of debt.

Remember, before you act boldly to get out of debt, you have to have the right information to act on.

I know for a fact because I used it myself.

Thank you for reading. Please leave a comment and share this post.

Single Mom Debt Solutions
Tonza Borden

Thursday, March 20, 2014

Step Up And Make Your Get Out Of Debt Plan Happen

There are two types of people in this world who want to get out of debt… talkers and doers.

And, there are two things that separate the two.

One is obviously taking action.

In order to be a doer and get out of debt, you must take action.

There is no way around that.

However, did you know there are lots of talkers who do take action, but never get out of debt?

They look busy, they appear busy, they “do” things, but they never get out of debt.

Why is this?

Why are they really talkers even though they “take action” to get out of debt.

The answer is simple: They do not have the right information to base their action on.

And, when their get out of debt plan fails, they do the same old thing over and over, and then blame someone else for their lack of results.

The true doer "calibrates" what needs to be done to take action to get out of debt.

Then you look at what you did, find out where you lack knowledge, and get it.

Getting out of debt is a time-consuming, self-directed learning process of taking different actions, e.g. checking credit report, writing letters to credit bureaus and creditors, etc.

And, you continue to go through this cycle of taking action and acquiring information until you get out of debt.

Sometimes this process takes a long time and cost a high price.

Nevertheless, at the end of the tunnel, it's WORTH IT to be debt free!

If you are a true doer and want to get out of debt, I can offer you information that has been tested and proven through trial and error.

What I can't do is get you to take action to get out of debt.

That's up to you.

However, if you're an action-taker, and all you need is the right information, I can provide that for you.

Thank you for reading. Please leave a comment and share this post.