I Cannot Pay my Credit Card Bills – What are my Options

Seems like you have decided to take this on yourself in the place of hiring a debt relief company. Well, if you have the talents and abilities to rival those of the professionals especially in the areas of communication, negotiation and documentation, then go on right ahead.Not too long ago, a nurse with a little bit of groundwork in tax laws took on the IRS single-handedly then so can you in the case of debt relief.

Keep these points in mind when you are settling credit card debt on your own. These three tips will ensure that you are one step closer to successfully taking on those credit card companies.

You must ensure that your accounts are considerably delinquent

You can try to negotiate a lower principal amount on your credit card bills as soon as you feel that making the minimum monthly payment is not going to be possible or if you feel that the debts are not going to be paid due to other fiscal priorities/emergencies. Keep in mind, however, that the debt relief process cannot be availed of until and unless your credit card accounts are significantly delinquent.

Wondering how delinquent?Delinquent credit card accounts are written off by creditors once the 180+ days windows has completed.The writeoff causes the account to drop in value significantly and third parties usually buy these for real cheap – sometimes around 4-6% of the original amount.

To avoid this from happening, the credit card company will be more than willing to settle your debts through negotiation.If the creditors get half of what you owe, that’s much better than the 5% they would’ve gotten from the third party collection agencies.

Maintain Detailed and Descriptive Documentation

The days of verbal agreements holding any value are long gone and especially when it comes to credit card debt settlement. After all, it will be your word against the word of the collection agents and you should know by now that nobody wins in such a case.

The other option is that you maintain excellent written records of all the matters related to the settlement and negotiation process with your creditors. Always send out letters with complete information to the proper addresses and addressees.After that, file the letters and other forms of communication in a binder that is easily accessible.

If you do have a conversation on the phone, record the details.Document the date, time, the names of the people you spoke with, the contact numbers and the details of the conversation.

Use Mail That Can Be Tracked

Once the settlement has been reached, send your payment through certified mail or any mail that can be tracked. Send the check together with a memo saying that said check is for full payment, if indeed it is, along with a copy of the agreed settlement.Now, you will have pretty good documentation.

Don’t forget the specific strategies that you need to use to settle the debt by yourself.Remember the three tips here and you will do just fine in this process.

Bad Credit Unsecured Financing

It is a know fact that among the borrowers, those with bad credit do struggle a lot while availing loans. in fact the situation gets worse more of the borrower does not wish to pledge any asset as collateral. However now for these set of borrowers, lenders are now offering Bad Credit Unsecured, which is in fact an ideal loan scheme for these sorts of borrowers.

Bad Credit Unsecured Financing

Most of the lenders prefer to check the credit score before approving any financial assistance. it is because your credit score speaks about your credibility. So it would be optimal to pay off some debts which in turn will assist you to improve the credit score. With an improved credit score, availing loans will be quite easy.

These loans are like other conventional loans which can be used for varied number of purposes. You can utilize the amount to satisfy your needs like renovation of home, wedding, purchasing a car, going for a vacation, educational purposes; paying medical bills etc. you can also use the amount to resolve some of your bad credit issues which contributes towards the improvement of your credit score.

To avail this financial option, there is no need to pledge any asset as collateral. Instead the amount is advanced on the sole basis of your income and repaying capability. Under this loan scheme, you are entitled to borrow amount in the range of $1000-$25000 for a short reimbursement period of 6 months-10 years. The rate of interest levied on this loan option is slightly higher. it is done so as to reduce the risk factor faced by the lenders.

There are scores of lenders present in the financial market who are offering these loans. This is why it becomes a bit difficult to locate the best deals. Well a proper research of the market with the help of online mode will assist you to spot lenders offering competitive rates. Moreover by comparing the quotes, you can easily select a better deal.

Bad credit unsecured financing is a collateral free loan option, which helps you to overcome the financial crisis in spite of your credit status.

Bathroom Renovations for a More Modern Design

The concept of modernization is encompassing. As the matter of fact, it goes beyond philosophical thinking as it also governs lifestyle and living of contemporary world. One can see different definitions of modern converted into its physical representation that varies from housing structures to furniture and appliances. This is largely the cause behind most remodeling projects performed in the various parts of the house these days. Although the bathroom is not the most visited area of the house, there is definitely no cause why it must be left behind when it goes about modernizing one’s home. This is something that must be taken into consideration as well when constructing a house.

Bathroom Renovations for a More Modern Design

It is indeed very simple to modernize the bathroom. In fact, doing it may be one of the easiest and stress-free bathroom remodeling projects for anyone. All it takes is to have ample knowledge and fresh information regarding the different bathroom plumbing supplies and how to mount them for the purpose to make the necessary output. It is also a good help to realize that the market today offers a huge range of plumbing fixtures to select from. One does not have to be restricted. It is easy to find bathroom plumbing supplies that suggest sleek and stylish look to easily finish a highly contemporary bathroom at home.

The most common and vital plumbing supplies in the bathroom are the toilet, sink and shower. For the toilet, it might seem like a toilet is just nothing more than a toilet. The reality is that there are actually a lot of variants to choose from when it comes to toilets. There are a number of things to pay attention to when selecting the toilet like the style of the unit itself, its height as well as the shape. Contemporary looking toilets are the best selection at this point since the goal is to modernize the bathroom. The most recommendable selection these days is the ones that come with the appropriate height, which is 2 inches taller than the standard one, for ease in getting on and off the toilet seat.

One of the important parts in a bathroom is the tub. Since it occupies a large part of the said room, it should not go against the modern style of the room in any way. Since a huge choice of variants is available for tubs, finding the one to fit indeed well with one’s bathroom is not a hard thing at all.

With this basic concept concerning contemporary bathroom plumbing supplies, making a bathroom that has the pieces of modern way of life and the look of an upgraded room is not hard at all. It assists to find more tricks about the matter as well before getting it on with the project at hand.

Personal Loans even with Bad Credit

Personal Loans even with Bad Credit

Are you depressed for not getting loan because of your bad credit records? If so then it is the right time to put an end to all your worries and unnecessary tensions. Such tensions are totally needless because you will now be assisted with the personal loans bad credit for facing any of your economic crises.

Personal loans bad credit is generally of two forms and both these forms accept any credit record. Bad records like late payment, skipping of installments, County Court Judgments, arrears, bankruptcy, defaults are applicable for both these secured and unsecured loans.

Secured and Unsecured Personal Loans

The secured personal loans bad credit offers an amount ranging from $5,000 to $75,000 which are perfect for paying off all your debts and solve other financial matters. The term for paying these loans off is 5 to 25 years. Rate of interest in the secured loans is generally lower than any other loans and that is a great advantage of these loans.

In the unsecured personal loans bad credit the scene will however be a bit different. You can borrow an amount up to $25,000 and pay it back within 10 years. Though the higher rate of interest of the unsecured loans may disturb you but there are solutions too to get out of such problems. You can shop for the best deal that are available in the loan market and thus keep higher interest rates away from you.

Improving your Credit Score

The best thing about the personal loans bad credit is that it makes one improve his credit score. Once you start making timely repayment of these loans, credit score is sure to get developed. This procedure may be lengthy but fruitful.

So, a person going for the Personal Loans Bad Credit can no longer get trapped in the financial problems. You should always keep the installments small as that will help you in maintaining continuity while paying the debts every month.

Improve Your Home – Affordable DIY Methods

You find yourself visualizing what it might be like to relocate into a new home. If you see a furniture shop, do you wish that you had new furnishings in your living room? Publications about houses and furniture catalogues are doorways to a dreamworld where you live a celebrity lifestyle.

Perhaps that existence will never be for you, but with a little resourcefulness, you can upgrade the look of your house with a very small budget. You are merely limited by your creativity and determination to do things yourself.

Improve Your Home – Affordable DIY Methods

One thing relatively simple you might do right away is repaint the walls. Simply transforming the color of your wall space will give your house a totally new look. Plus the smell of fresh paint finishes the effect. In addition to fresh paint, a bit of wallpaper will work for jazzing up a room. You don’t have to do much; maybe just a wall or edging pieces, which you could easily handle by yourself.

Every aspect up to now could be achieved by yourself. Using lighting effects in your house is the next best thing to consider for giving your home a whole new feel. Every room can be enhanced with the right lighting, so don’t ignore the power of a lamp. Unless of course you have a contemporary scheme of design, forget about halogen lighting. Just make sure to work with great excellent tools when creating these changes.

One more fashionable touch for any space could be easy-to-install wall sconces. It is possible to alter the style and feel of your house simply through the introduction of some new accessories. Decorators often search for creative and ingenious components; do this yourself, and cheaply, with things like hand-painted silk fabrics or pillows, and Tibetan singing bowls.

Dining Room Designs

Position on your dining room table, or a coffee table, a stylish centerpiece that could be candles, a glass fruit bowl, or fresh flowers. Works of art and other hangings enable you to create a completely new, different look. Have a great time looking for stuff; rummage through thrift stores and search in discounts shops to get deals in the things you want.

Unwinding into new, solid yet comfortable upholstery is a tonic – try to find something that doesn’t exceed your budget. You can find good deals on tables, lights, couches, entertainment centers, and much more, by just knowing where to look. Used items are available at flea markets, consignment stores, estate sales, and quite a few thrift stores.

An unnoticed place by a number of people is going on the internet to places such as online furniture stores. With smaller running costs, you can get some good deals on the net. Remember, also, that just like painting a wall, an existing sofa can be rejuvenated with a new home-sewn cover.

Installing Solid Wood Flooring

Before installing any wood floor you must first make sure the sub-floor is free of loose materials, oil, grease etc and is also clean and dry. Before starting, lay out strips to determine the direction you would prefer to lay the wood, a good idea is to lay them parallel to the longest wall of the room or in the opposite direction to any joists. When the strips are placed down it is possible to arrange the patterns and shades into preferred positions.

The installation method used primarily with solid wood floors is the nail down method although other methods such as, staple down, glue down and free-float can be used. The installation method used depends on the type of sub-floor you currently have. If for example you have a plywood sub-floor, any of the above methods can be used. For a concrete sub-floor the nail and staple down methods are not an option unless a plywood sub-floor is added above the slab and attached with concrete fasteners.


When installing solid wood with nails, a gap of at least half an inch should be left between the edge of the flooring and the starting wall, this allows room for expansion. The first row of wood should be nailed down with screw shank flooring nails (finishing nails). By drilling starting holes in the wood it is easier to insert the nails and avoid damaging the wood. A hardwood nailer can be used to nail down those strips not closest to the walls.


Gluing directly to concrete floor without a protective moisture barrier is not advised as wood will absorb any moisture present. Glue-down wood floors are installed similar to the way you would lay a flooring tile, with a trowel-spread mastic. The adhesive can be applied wet to the substrate and then immediately placed onto a wet adhesive or the adhesive can be left to turn tacky. It is very important that contact is made between the flooring and sub-floor. It must be remembered that adhesive does not prevent moisture-related damage to wood.

Free Floating

The free-float method is very stable method, which has proved to be very popular over the last couple of years. Instead of installing each plank separately, the boards are glued together, not down therefore “floating” over the permanent flooring. This is suitable for any flooring and is the preferred method to use over underfloor heating. As the floor expands and contracts, gaps are not left between individual units. Elastilon is a perfect accessory for creating floating floors. The wood flooring is stuck onto the underlay but not the sub-floor. At www.realoakfloors.co.uk we provide a range of Elastilon of different thickness and strengths to suit any flooring type.

Solid wood floors are sensitive to moisture and should not be installed below ground level or directly over a concrete slab without a moisture barrier. Before laying a wood floor it is vital to ensure that the entire concrete floor is flat.

Personal Tenant Loans for Bad Credit

Personal Tenant Loans for Bad Credit

If you are a tenant along with facing bad credit, without a pinch of doubt the loan application of yours will be turning down. It is chiefly because of sticking a serious credit tag to your credit report. With this, further chances of money availing remain tried to be often blocked. Here, the concept of personal tenant loans for bad credit comes to fore. It helps the non-homeowners in different sorts of credit distress

Collateral for Personal Tenant Loans

Basically, Personal Tenant Loans For Bad Credit are provided without any collateral pledging. So, you can avail the loan easily regardless of your personal circumstances of being a non-homeowner. For the reason, the loan amount depends upon your income flow. The source of your income proves the loan security. However, a borrower of any financial class can obtain a denomination amount anywhere from $500 to $25,000. Later, you can repay amount in a flexible manner. With that, your reimbursement period can go up to 10 years.

You get the fund to meet your ends. The raised fund can be employed in any of your purposes. You are free to invest the borrowed amount. You can utilise the fund to sort out your different sorts of expenses like, buying a car, wedding cost, luxury holidays, college fees, and even for your debt repayment.

Fees and Interest for Personal Tenant Loans

You will have to pay a bit of your money for the loan availing. As you place nothing against the loan amount, so the rate of interest is charged competitively. Even then, it can be comparative, as so many lending players are competing in the market. You can find lenders in great numbers. They can be traced down online also. Online method is simple and convenient. It saves a good amount of your time and energy, and makes your loan approval fast.

In short, personal tenant loans for bad credit help you find the required sum without having the worry of putting your asset against the loan. You get the fund to meet your ends even in your credit poverty.

Renovation Tips to make your bathroom cozy and comfortable

Renovation Tips to make your bathroom cozy and comfortable

The toilets are a part of the house that is especially pampered. Since we spend an average of three years of our life there, That’s why it is important to make it comfortable & elegant. Here are 5 tips to transform your bathroom into a place you never want to leave.

Choose an original atmosphere

The toilets are the place in the house where you can give free rein to your imagination! A place where your thoughts can reach anywhere, either you choose ambiance of humor, or a dream of glamor. So as a matter of fact, most of the people try to make it comfortable bathroom stylish & classic by creating soft atmosphere with the help of wallpaper, paint or tiles with soft lighting in pastel colors. Those who prefer to play the card of humor emphasize on accessories that is customized by interior designers. The rest can give a new dimension to this little corner by playing with classic colors like contrasting black/fuchsia black or silver for example.

The choice of accessories and staging is large, do not miss anything that makes you happy in your washroom! Consider installing a small shelf with toilet books for fun, a nice basket with magazines and why not a book on health tips & diet plans! Everything is good for the time spent in the toilet seem shorter. Posters and paintings are also welcome but only recommended if you do not share your bathroom with anyone else!

Maintain impeccable hygiene

This is the basics for comfortable and inviting toilet. A nice wall mounted cupboard conceal your various household products. Remember, A nicely placed Deodorant, toilet gel & sponge always give a good impression & add much more convenient! Moreover things like Electric air fresheners, A discreet scent is also appreciated.

Opting for the right accessories

All depends on the mood you want to make your bathroom. Accessories made of cardboard, wood and natural materials are preferred for eco toilet (not to mention the economic flush!). To give your bathroom a quirky and funny look, carefully choose a toilet fittings that look humorous by its design. Effect guaranteed! Your can also turn your bathroom to a luxurious fun place by installing Granite, quartz or marble worktops from Margrasil the kitchen and bathroom worktop specialists in UK.