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# Debt and Us

Everything you need to know about debt

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## Posts

- [The Quickest Way To Get Out Of Debt](https://www.debtandus.com/tips/the-quickest-way-to-get-out-of-debt/) - Once you've fallen into financial difficulties then the worst possible thing that you can do is to do what most other people in the same situation do - panic. They become stressed, they get angry, they blame everyone else but themselves. They blame the sales person for tricking them into buying their brand new 50inch plasma TV, which they couldn't pay for outright so had to make up a payment
- [How to earn money every time you spend money](https://www.debtandus.com/all/how-to-earn-money-every-time-you-spend-money/) - Can’t get your head around the title? It can be slightly difficult to understand this bit of advice - you can actually make money from spending money. Surely this goes against everything you’ve been told - if you want to save money, then you have to not spend as much and cut back! Sure, this is in part true, but there are some times when you do need to spend. Everyone needs food, clothes and shelter, and these aren’t free (I feel slightly envious of our ancestors who had these things for free, and didn’t need a real “job”!)
- [5 Ways To Ruin Your Credit Rating](https://www.debtandus.com/all/5-ways-to-ruin-your-credit-rating/) - Your credit rating is oh so important in todays financial climate, even more important than it was 5 or 10 years ago - and even back then it was very important to have a good one. Back then financial companies and institutions were a lot more carefree with exactly whom they chose to give their money to, but they still would’ve checked your credit score. Try going into a bank and asking for a loan or applying for a new credit card and they’ll probably scrutinise your own credit rating with a magnifying glass and a highly suspicious mind.
- [5 Ways To Get Invaluable Free IRS Tax Advice](https://www.debtandus.com/all/5-ways-to-get-invaluable-free-irs-tax-advice/) - With many issues people are always willing to give free advice to help a friend out. This can be a good thing - if you want to know what car to get next, you can be sure one of your mates will have an opinion to give. If you’re stuck about where to go next on holiday then I’m certain just about anyone will be able to recommend you somewhere to visit. However if you’re having some tax difficulties, most people’s eyes will probably glaze over and they’ll shift uncomfortably before trying to change the subject.
- [How Not To Plan For Your Retirement](https://www.debtandus.com/all/how-not-to-plan-for-your-retirement/) - Okay so we don’t want to patronize you here. You’re at our website, reading an article about finance and retirement planning so you’re probably quite an intelligent kind of person, willing to spend some of your time researching ways to improve the size of your retirement funds and therefore quality of life. Many people get a bit down when they are forced to think of their retirement. It is after-all a time where you will be planning for your life winding down, not being able (or not wanting) to have to work so you can enjoy life a little more. We don’t want to get you too worried about it but its quite an important factor to be looking at regardless of your current age.
- [Why You Will Struggle Saving Money In 2013](https://www.debtandus.com/all/why-you-will-struggle-saving-money-in-2013/) - 2013 will be a very difficult year for the majority whilst a year of opportunity for a select few. In times of financial difficulty times great opportunities for talented entrepreneurs and businesses, and unfortunately if you don’t come into the later bracket then you’ll be looking at simply keeping yourself and your family afloat, saving as much money as you possibly can.
- [A clever trick to boost your interest rate](https://www.debtandus.com/all/a-clever-trick-to-boost-your-interest-rate/) - With the interest rates being as low as they’ve been for decades, you may feel what’s the point in bothering with a savings account. Rates were as low as 1%, meaning from $10,000 in a savings account you’ll receive a poor $100 in return for tying up your money.
- [5 Best Ways To Make Money From Home ](https://www.debtandus.com/all/5-best-ways-to-make-money-from-home/) - Everyone’s looking at ways of making a bit of extra money on the side of their normal 9-5 job, and really when you take a look at society and the way things are going then who can blame them? We’ve been involved in discovering the 5 best ways to make extra money from home and have discussed them below for your own use. Read and take action!
- [What is Debt Repayment Protection Insurance? (And Why You Might be Owed Lots of Money)](https://www.debtandus.com/all/what-is-debt-repayment-protection-insurance-and-why-you-might-be-owed-lots-of-money/) - Debt repayment protection insurance is a controversial type of insurance that has recently come under some fire in the press. There's a chance that you might be paying debt repayment protection insurance that you didn't ask for without even being aware of it – and if that's the case then you may be able to claim back thousands of dollars. Read on to find out more.
- [How to Check Your Credit](https://www.debtandus.com/all/how-to-check-your-credit-2/) - Getting into debt is dangerous for many reasons, and among these is the impact it can have on your credit rating which can then make it difficult for you to apply for credit cards and general loans. Because your credit rating is a reflection of your previous ability to pay back loans, this means that lenders are weary of lending to anyone whose score is bad.
- [Getting Out of Debt – Your Options ](https://www.debtandus.com/all/getting-out-of-debt-your-options/) - If you're struggling with your finances then you might find that the specter of debt is closing in on you fast and that the amount you owe is slowly mounting up. In these cases the silver lining is the number of different options available to you to help repair your financial situation. Fortunately if you are in debt then there are many different ways of getting out of debt and there is sure to be one that suits your particular situation. Here then we will look at some
- [What Can a Bailiff Take](https://www.debtandus.com/all/what-can-a-bailiff-take/) - One of the scariest aspects of debt is the bailiffs and this is the real manifestation of the debt nightmare. You've failed to pay off your debts, and now you have someone at your door threatening to take away the things you love the most. Avoiding this at all costs is of course crucial, and it's very important that you know your rights with regards to having your items taken to pay off your debts.
- [Cheaper Ways to Run Your Car](https://www.debtandus.com/all/cheaper-ways-to-run-your-car/) - If you're in debt then you need to look for every opportunity to save money. One way to do that is simply to run your car more cheaply and this can be a big drain on resources otherwise. But how can you do that? Here we will look at some cheaper ways to run your car.
- [How to Help Things Sell At a Carboot Sale](https://www.debtandus.com/all/how-to-help-things-sell-at-a-carboot-sale/) - If you are trying to get out of debt then having a yard sale or visiting a car boot sale to get rid of some of your things is a wise move and one that can help you to get back into the green. The question is however, how do you go about selling things at a carboot sale and how do you get these old things that you no longer want to sell at a reasonable price? It can be very disheartening going to a carboot sale and then coming back with all the things you left with and no further out of debt. Here then we will look at some tricks you can use to help things sell
- [How to Check Your Credit](https://www.debtandus.com/all/how-to-check-your-credit/) - Getting into debt is dangerous for many reasons, and among these is the impact it can have on your credit rating which can then make it difficult for you to apply for credit cards and general loans. Because your credit rating is a reflection of your previous ability to pay back loans, this means that lenders are weary of lending to anyone whose score is bad.
- [How to Pay Less Taxes](https://www.debtandus.com/all/how-to-pay-less-taxes/) - None of us enjoys taxes, and each time we get sent a bill, or see them printed on our wage slip this hurts quite a bit. However while no one enjoys tax, for some of us it is even worse than it is for others. For those in debt, specifically taxes are the last thing we need and this can sting particularly badly each time we have to part with the money that we badly need
- [What Are Bank Auctions? ](https://www.debtandus.com/all/what-are-bank-auctions/) - Debt is a terrible thing for anyone to have to experience, and likewise the economic crisis and the effect it's having on many people's bank accounts is equally as terrible in many ways. However at the end of the day these do also provide advantages for the savvy who find ways to take advantage of this debt and to benefit from other people's problems. It sounds harsh, but it's at least better than letting their struggles be in vein and following suit. One example of this is bank auctions, which provide an ideal way for small companies and even individuals who may be in debt themselves to get a range of great things at very good prices.
- [What is Compound Interest?](https://www.debtandus.com/all/what-is-compound-interest/) - Getting out of debt relies on many things but most of all it relies on you doing your research and working out how the system works and where you can start saving money. Knowledge is power and the more you know about loans and debt the more money you can save and the better off you will be financially. Learning about compound interest for instance can help you to save money on your loans and can help you to better choose your bank accounts.
- [Earning Money After Your Retirement](https://www.debtandus.com/all/earning-money-after-your-retirement/) - Once you enter retirement you can find yourself in a very different financial situation. Now you will have money from your savings, and probably from your pension, but you will no longer have your usual salary that you have become used to and you will no longer be able to increase this amount by progressing normally through your career.
- [Changing Your Thinking](https://www.debtandus.com/all/changing-your-thinking/) - If you are currently struggling with debt problems, then it is very important that you start saving money and stop living the same luxurious lifestyle that you may be used to. Debt problems are highly serious and paying these back need to become the priority – certainly the priority over inflating your DVD collection or that 3D TV. A change in thinking may be necessary then to change the way you look at and value your money and to change the way you gather it, and if you are smart then you can still live a great lifestyle within your new means. By simply changing your habits and your way of thinking it is possible to think yourself out of debt – and even to think yourself rich.
- [Bouncing Checks and Debits](https://www.debtandus.com/all/bouncing-checks-and-debits/) - Debt problems are many and unfortunately their very nature means that they are self perpetuating. The more dire your financial situation becomes, the more it will tend to spiral out of control and the more problems can stack out. One such problem is bouncing checks and direct debits/standing orders
- [Bankruptcy](https://www.debtandus.com/all/bankruptcy/) - Bankruptcy is a word with a lot of bad connotations and it's one that most of us who are currently in debt will cringe at the sound of. However understanding bankruptcy reveals it not to be all bad and when you fully grasp how it works then you may in fact be able to use it as a way to combat your debt and improve your overall financial situation. Bankruptcy is not a mark of failure, it is rather a tool for you to employ to your ultimate benefit.
- [How to Save Money On Gas](https://www.debtandus.com/all/how-to-save-money-on-gas/) - There are many little drains on our money and lots of ways that we find ourselves losing cash. One of the biggest drains on our finances is gas money, and there are many ways you can save money on gas. Here we will look at how to go about running your car for cheaper so you can save more money toward paying off your debt.
- [Debt Plan](https://www.debtandus.com/all/debt-plan/) - If you find yourself in debt then there is one thing that can help you – and that's having a plan. With a debt plan you can start to plot a trajectory to get yourself out of debt and to start improving your financial situation. If you come up with an in-depth debt plan that takes into account the facts and figures of your current financial crisis (such as your budget for food and daily living, your current income
- [Debt Quotes](https://www.debtandus.com/all/debt-quotes/) - Quotes are like a wellspring of wisdom – the collected musings of great minds throughout the generations from various walks of life and points in history. By looking at the quotes that have survived the test of time we can see which views have most struck a chord on a range of topics.
- [Debt Forgiveness](https://www.debtandus.com/all/debt-forgiveness/) - When you're knee deep in debt and starting to panic about how you will ever make all your repayments it is understandable that you might start dreaming of debt forgiveness – that maybe one day your lenders might just write to you and tell you not to worry about your debt after all, or that one day someone might just bail you out and give you the money you need to pay off the debts. But does such a thing exist?
- [The Debt Clock](https://www.debtandus.com/all/the-debt-clock/) - The debt clock is not just a metaphor – there actually is a real debt clock running on Sixth Avenue in Manhattan. The national debt clock (as it's formally known) is a clock that shows a running total of the United State's gross national debt. This is shown in a dot-matrix display that constantly updates to stay up to the minute. It is billboard size and acts as a constant reminder of the national date that the United States faces. It really drives this point home too with an additional feature – the debt clock not only shows the overall debt owed by the US, but also the amount of debt owed by each American family.
- [Why You Need to Get Out of Debt ](https://www.debtandus.com/all/why-you-need-to-get-out-of-debt/) - Some people mistakenly believe that debt is no cause for concern – they can pay it off conveniently every time their repayments are due, and otherwise just forget it exists. Something like a student loan for instance will be little more than a a monthly payment around the cost of a mobile contract or a TV package and as many of these are means tested you should always be able to afford the repayments as they come through.
- [Understanding Credit Ratings](https://www.debtandus.com/all/understanding-credit-ratings/) - If you've ever tried to take out a loan and found yourself rejected because of your credit rating, then you've probably also found yourself cursing the day that credit were ever conceived – and perhaps also wondering what good they could possibly serve. Here then we will look at credit ratings, what they actually are, and how you can work with yours rather than against it.
- [The World Bank ](https://www.debtandus.com/all/the-world-bank/) - The World Bank is an international financial institution which lends money to developing countries so that they can carry out capital programmes – building the infrastructure necessary for society, economy or enterprise to operate. This might mean things like cars, roads, homes, council tax,power grids and other physical structures; or it might mean things like organization, financial institutions, law enforcement etc for governmental infrastructure. This then can provide those developing countries with the capital they need to facilitate their growth and organization. The bank itself will oversee many philanthropic strategies – such as poverty reduction strategies and the 'clean air initiative' to help improve air quality in cities.
- [Organizing Repayments](https://www.debtandus.com/all/organizing-repayments/)
- [ Debt Yield](https://www.debtandus.com/all/debt-yield/) - Debt is a complex matter and there are many different terms and systems that you need to understand in order to have a firm grasp on the matter. However failure to understand debt can make the whole subject much more fraught and a lot of the difficulties that people have with debt come from a lack of understanding. No matter which side of the fence you are on – whether you are the lender or the borrower – understanding the various terms involved in debt is an important step to managing it more effectively.
- [Debt Free](https://www.debtandus.com/all/debt-free/) - Being completely debt free means simply not having any debts to pay back, and technically this would mean being in a situation where you owed not a scent to anyone. However despite this, the majority of people would consider having only a small amount of debt as being debt free where it was expected. For instance someone who only owed money for their mortgage, or a student loan, might still class themselves as 'debt free' – as might someone who had purchased something on finance or who had just a little credit card debt left to pay. Under the very most rigid of definitions, very few people are 'truly' debt free. Nevertheless, those who are currently struggling with their debt would be happy with any measure of freedom from debt.
- [Getting a Car Loan (When You're In Debt) ](https://www.debtandus.com/all/getting-a-car-loan-when-youre-in-debt/) - When you're in debt this effects more than just your bank account and can create all kinds of difficulties. For instance if you are struggling with debt then you will have a lot of difficulty getting out loans (which is bitterly ironic as this is when you are most likely to need a loan) and this covers everything from mortgages to business loans to car loans. That can then in turn effect your life in a lot of other ways as it means you can't buy that car you wanted, you can't move home or you can't start that business. Here we will look at how to get a car loan even with bad credit so that you at least have transport.
- [Debt To Equity Ratio ](https://www.debtandus.com/all/debt-to-equity-ratio/) - The debt to equity ratio is the ratio of shareholders' equity to debt used to finance the company those shares are for. It's a relatively complex concept, but it is central to understanding how to value companies and shares and to understanding how businesses are financed. To understand this better though, we need to understand precisely what the term 'equity' means.
- [Debt Ceiling ](https://www.debtandus.com/all/debt-ceiling/) - The term debt ceiling refers to the maximum borrowing power of a government i.e. country. For many this is an abstract concept which does not resonate as the serious and pressing matter that it is. Essentially when the Federal Government experience large deficits through spending more than it is taking in (through taxation), then it must be financed by debt. In other words the government, like you or I, needs to borrow money from time to time in order to finance its various projects – cleaning up the schools or the streets, or implementing new programmes meant to raise money.
- [Debt After Death ](https://www.debtandus.com/all/debt-after-death/) - As you enter your retirement you might start to think that you no longer need to think so much about your debt. You might have agreed a repayment plan over the next twenty years, so if you're currently 90 then this might not seem that much of a real threat. Does it make sense then to organize your debt repayments so that you are paying back over the longest period of time? Is there any reason to hurry to pay off your mortgage or to make sure you have no credit card debt? Here we will look at what will happen to debt after death.
- [Is it Worth Taking Out a Student Loan? ](https://www.debtandus.com/all/is-it-worth-taking-out-a-student-loan/) - If you are living in the US and considering getting further education in a university then you are facing a difficult decision that will effect the rest of your life. On the one hand attending a university will in theory improve your prospects and lead to a higher paid job and a brighter financial future, it also offers great life experience and many people will say that the best years of their life were while studying and having fun at University. On the other hand though it also means several more years without earning any income toward getting on the property market, and it means taking out a huge loan that could leave you in a lot of debt. So is it worth taking out student loans and putting off the 'real world'? Is it a smart financial decision?
- [5 Expenses You Can Cut Today ](https://www.debtandus.com/all/5-expenses-you-can-cut-today/) - If you are struggling with debt then there are many ways you can cut expenses for living and find yourself with a lot more available income. This can make a huge difference to your financial situation and help you to pay back loans or to put money aside for a rainy day. Here we will look at ways to cut expenses right away that will make a big difference to your life.
- [Why You Need to Plan for Your Retirement ](https://www.debtandus.com/all/why-you-need-to-plan-for-your-retirement/) - Taking care of your finances and being sure to amass a certain amount of savings while also avoiding owing too much debt will help you to lead a happy and fulfilled life free from financial stress. However without a doubt, planning for your retirement is even more important and if you don't have the correct finances in place then this will be even more severe once you reach old age.
- [Loan Payment Protection Insurance ](https://www.debtandus.com/all/loan-payment-protection-insurance/) - If you are in debt then that will mean that you have at some point taken out a loan (or several) – as all debt is is loans that you need to pay back. It then follows that the larger the loans you took out, the larger the amount of debt that you need to pay back – so you need to be careful in choosing your loans in the first place, and you need to ensure that you are aware of any hidden charges that might exist.
- [Claiming Back on Your Tax Return ](https://www.debtandus.com/all/claiming-back-on-your-tax-return/) - If you're self employed and in debt then like anyone else it is highly important for you to start looking at ways to reduce that debt and pay back what you owe. The good news is though, that as someone who is self employed, you also have a few advantages over other people struggling with debt and can use a range of techniques that take advantage of your position to get you back in the green. For instance those who are self employed can save a lot of money on their taxes – and by claiming back various expenses it is possible to drastically reduce the amount you owe at the end of the month.
- [Reducing Debt by Earning on the Side](https://www.debtandus.com/all/reducing-debt-by-earning-on-the-side/) - If you're in debt then this will be because you didn't have the money you needed to pay for something. Whether this is a car, a house or anything else at some point you will have found yourself with insufficient funds to make a purchase or pay some bills. Now if nothing has changed since then, that would suggest that you still don't have the funds available to pay off your debt and thus you are paying it back very gradually while it gets bigger and more expensive. Meanwhile you might find you struggle with these repayments too and that over time this gets worse.
- [The Importance of Calculating Your Debt and Finances ](https://www.debtandus.com/all/the-importance-of-calculating-your-debt-and-finances/) - o you're in debt and you're having a difficult time keeping up with your repayments. It might feel like you're 'in over your head' and gasping for air, and it may seem as though there's nothing you can do to get yourself out of that hole. However a lot of the problem here is not getting a perspective on the problem and really quantifying the situation your in
- [Selling Your Items ](https://www.debtandus.com/all/selling-your-items/) - Budgeting is all very good and well and a great way to increase your finances and to improve your chances of paying back debt, but sometimes it can seem like a rather passive way to build up money. Something a little more active then, is to start selling your items, and if you have a large amount of debt this is a very good way to start repairing your finances and improving your chances of paying it all back.
- [US Personal Debt Statistics](https://www.debtandus.com/all/us-personal-debt-statistics/) - We all know that countries across the world are currently struggling with a lot of debt at the moment. We're in a time of financial crisis and it's no surprise that this has also affected the individual and that we are all in a lot of debt personally too. Here we will look at the US personal debt statistics as according to the 2010 census statistics. It is a worrying insight into just how much debt the average American is in, but also perhaps shadenfreude for some who might feel relieved to know that US
- [Retirement Goals](https://www.debtandus.com/all/retirement-goals/) - As you head towards your retirement you might find yourself with a mixture of feelings. On the one hand you are nearing a point where you will have all the time in the world to pursue any leisure pursuits you might desire. At the same time though you are also looking at a time where you won't have quite the same disposable income, and where you will have to rely on the funds you set aside for this occasion. It's nerve racking no longer having such a steady income and finding out whether your years of saving have paid off for sure.
- [What Taxes Are For](https://www.debtandus.com/all/what-taxes-are-for/) - When we look at taxes and their various guises (council tax, road tax, income tax, value added tax etc etc) it's very easy to get frustrated by these things. Tax at this point seems like the bad guy and we dream of a world where they didn't exist.
- [Budgeting ](https://www.debtandus.com/all/budgeting/) - There are many ways to cut your expenses and so to have more disposable income and more money to save, but this is only one aspect of saving money. That's because even if you were to save hundreds each month by buying cheap food, walking instead of driving and re-using your bottles, you would find that you ended up spending some of this saved money again in other ways – such as on nights out or on things you decide to treat yourself too. Thus budgeting is also highly important and this means telling yourself how much money you are going to save, how
- [Best Debt Consolidation Companies 2011](https://www.debtandus.com/all/best-debt-consolidation-companies-2011/) - Debt consolidation means essentially taking out a single loan in order to pay off a range of your other loans. This is incredibly useful for those with debt problems for many reasons. Firstly this means that you don't have to keep track of a range of different debts – you owe one company money and that's all
- [What is Debt? ](https://www.debtandus.com/all/what-is-debt/) - We all hear a lot about debt whether it's from debt consolidation companies, our banks or our friends and relatives who perhaps are struggling with it themselves. It seems everyone these days has debt whether it's your average Joe, large corporations or even countries... but what is debt? And what does it mean?
- [An Alternative to Pension Companies ](https://www.debtandus.com/all/an-alternative-to-pension-companies/) - When you've been working your whole life, you often do so in the hope that one day you will be able to retire – that when your body is old and tired, you will be able to relax into your old age and let your pension take care of you. We hope then that our pension scheme will be able to take over and that we will be able to forget all of our previous woes such as working to pay off debt and keep our properties, and can instead spend our remaining days pursuing holidays and reading up on things that interest us.
- [Financial Modelling and Your Tax Return ](https://www.debtandus.com/all/financial-modelling-and-your-tax-return/) - Tax returns are a stressful time for anyone who runs their own business or is otherwise self employed. Essentially this tax is a debt that you have to pay off at the end of the year and it's normally a very significant one. You can put money aside in the hope that you will be able to pay this tax debt off very easily, but in many cases you will find yourself getting a nasty shock when the amount comes through and often this tax debt can become a real debt as we are forced to borrow money to pay it off – and this then can become a slippery slope that sees our finances really start to struggle.
- [How a Credit Card Can Improve Your Credit History ](https://www.debtandus.com/all/how-a-credit-card-can-improve-your-credit-history/) - While none of us want to have problems with debt, we nevertheless do need to be able to take out loans and to borrow money for certain purchases. For instance all of us apart from the extremely wealthy, will likely need to take out a loan in order to buy a home (this loan is called a mortgage of course) and many of us will need auto loans or even business loans at other points throughout our life. If we are in a lot of debt however, then this can be quite difficult as debt damages what is known as our 'credit rating'.
- [Some Money Saving Tips ](https://www.debtandus.com/all/some-money-saving-tips/) - We all want to be wealthy, but how do you define what wealth is? Is it your monthly income? Is it the capital you have sitting in the bank? Is it your assets such as your properties... or is it in fact just a state of mind? In reality your wealth is probably just how much disposable income you have – in other words the amount of money you have spare to spend on things, plus the amount of capital you have in the bank. That's what enables you to live a wealthy lifestyle, and it's what enables you to be able to pay off your debt etc and not worry about not being able to pay your gas bill or your next .
- [Three Countries With the Most Debt ](https://www.debtandus.com/all/three-countries-with-the-most-debt/) - When you think of debt you might normally think about your mortgage, your student loan, or the bank loan you took out to buy that car. However the amount of money owed by individuals is truly very small when compared to the huge debt owed by many countries.
- [Welcome To Debt And Us](https://www.debtandus.com/all/welcome-to-dent-and-us/) - Welcome to Debt and Us. We hope you will enjoy our website and give us a lot of feedback. Thanks

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