Solve how to get rid of sugar ants in your house Your Money Troubles (Get Out of Debt and Stay That Way) – Nolo

Having a ballpark idea of the amount of your income how to get rid of sugar ants in your house and debt burden is not enough to tackle your debt how to get rid of sugar ants in your house problem. Getting precise numbers is a crucial part of the process—don’t skip it. In addition to laying out how much you earn and how to get rid of sugar ants in your house owe, this process will help you prioritize your debts, which will then help you decide which strategies to use how to get rid of sugar ants in your house to solve your money troubles.

To figure out how much you earn and how much how to get rid of sugar ants in your house you owe (both in monthly pay­ments and overall), follow the instructions on the next pages and use the how to get rid of sugar ants in your house worksheets in appendix C. If you are married or have jointly incurred most of how to get rid of sugar ants in your house your debts with someone, fill out the worksheets together. Warning signs of debt trouble

If you have panic attacks when you try to figure how to get rid of sugar ants in your house out your total debt burden, you’ll feel better if you skip this chapter and come how to get rid of sugar ants in your house back to it when you are better able to confront how to get rid of sugar ants in your house the information. Before doing that, however, ask yourself the following questions. If you answer “yes” to any one of them, you are probably in or headed for serious debt trouble:

Start by figuring out how much you earn each month. Grab a calculator, your pay stubs, and complete worksheet 1 in appendix C, by entering your monthly income from each listed source. If you are paid more often than monthly, see the instructions in worksheet 1 to convert your pay how to get rid of sugar ants in your house to a monthly amount. If you have income that doesn’t fit into one of these categories, list it as “other.” how much do you owe?

In worksheet 2 in appendix C, you list your debts. Gather the documents that show payments on all your debts, the total amount owed on each debt, and any amount past due, including any interest or fees that have been added. Be as thorough and complete as possible. The completed worksheet 2 will tell you exactly how much how to get rid of sugar ants in your house you should be paying each month (to be current on your debts) and how far behind you are. Here’s how to fill it out.

Column 1: debts and other monthly living expenses. In column 1, enter the type of debt. Don’t enter a debt more than once. So, for example, if you already deducted from your income in worksheet 1 how to get rid of sugar ants in your house a debt that is paid out of your paycheck, such as child support, don’t deduct that same debt again here.

If you are married, you may not be certain which debts are yours and how to get rid of sugar ants in your house which belong to your spouse. If your marriage is intact and you’re having mutual financial problems, approach your debt problems as a team. That is, enter all your debts in column 1. If, however, you are separated or recently divorced, or are married but having financial problems of your own, see chapter 2 for help on figuring out the debts how to get rid of sugar ants in your house for which you are obligated. If you generally share expenses and maintain a household with how to get rid of sugar ants in your house someone else, consider combining your income and paying all of your debts how to get rid of sugar ants in your house with joint funds, regardless of who actually incurred the debt. Enter both partners’ debts in column 1.

Column 2: outstanding balance. In column 2, enter the entire outstanding balance on the debt. For example, if you borrowed $150,000 for a mortgage and still owe $125,000, enter $125,000. If you don’t want to contact the creditor until you are ready how to get rid of sugar ants in your house to negotiate (and that will only be after you’ve determined how much you can pay), you have a few options. Your latest account statement might list the entire outstanding balance. If not, the creditor’s automated telephone system or online account information might provide how to get rid of sugar ants in your house the information you need. If you can’t get the balance and you prefer not to talk how to get rid of sugar ants in your house to the creditor, use your best guess for now.

Columns 3 and 4: monthly payment and ­total you are behind. In columns 3 and 4, enter the amount you currently owe on the debt. If the lender has not established set monthly payments—for example, for a doctor’s bill—enter the entire amount of the debt in column 4 how to get rid of sugar ants in your house and leave column 3 blank. If the debt is one for which you make regular how to get rid of sugar ants in your house monthly payments—such as your car loan or mortgage—enter the amount of the monthly payment in column 3 how to get rid of sugar ants in your house and the full amount you are behind (monthly payment multiplied by the number of missed months, plus any fees or charges that have been added, like over-limit fees or late payment charges) in column 4.

For credit card, department store, and similar debts, enter the monthly minimum payment in column 3 and your how to get rid of sugar ants in your house entire balance in column 4. But keep in mind that eventually you should make more how to get rid of sugar ants in your house than the minimum payment on your credit cards. (chapter 10 discusses the danger of making only minimum payments how to get rid of sugar ants in your house each month.)

Column 5: is the debt secured? In column 5, indicate whether the debt is secured or unsecured. A secured debt is one for which a specific item how to get rid of sugar ants in your house of property (called “collateral”) guarantees payment. The most common type of secured debt occurs when you how to get rid of sugar ants in your house sign a credit agreement (sometimes called a security agreement) that allows the creditor to take a particular item of how to get rid of sugar ants in your house property under certain specified conditions—without suing you first. Examples of conditions that might allow the creditor to take how to get rid of sugar ants in your house your property include your failure to make a payment, your failure to maintain insurance on the property, or your failure to comply with the payment agreement in how to get rid of sugar ants in your house some other way. Typically you sign a credit agreement, giving the creditor a security interest in your property when how to get rid of sugar ants in your house you finance a car purchase; get a mortgage; get a second, third, or additional loan on your home; or buy an appliance or piece of furniture with store how to get rid of sugar ants in your house credit.

A creditor may also be able to secure its debt how to get rid of sugar ants in your house without your agreement by filing a lien against your property. This can happen in two circumstances. First, the creditor can file a lien if the law specifically how to get rid of sugar ants in your house allows for it. An example is a mechanic’s lien—the law specifically states that a worker or material supplier how to get rid of sugar ants in your house may file a lien against your real property if you how to get rid of sugar ants in your house or the contractor fail to pay them. Second, a creditor can file a lien against your property if how to get rid of sugar ants in your house it has sued you and obtained a judgment against you. This is called a judgment lien.

Add it up. When you’ve entered all your debts in the worksheet, total up columns 2, 3, and 4. Column 2 represents the total balance of all your debts, even though some of it may not be due now; column 3 represents the amount you are obligated to pay how to get rid of sugar ants in your house each month; and column 4 shows the amount you would have to how to get rid of sugar ants in your house come up with to get current on all your debts.

Don’t forget your other expenses. None of us have monthly expenses consisting entirely of loan how to get rid of sugar ants in your house or credit payments. We also have to pay rent and buy groceries, pay for movies and restaurants, buy clothing and household goods, and so on. These other expenses are covered in chapter 3. Now might be a good time to review the information how to get rid of sugar ants in your house in chapter 3’s “figure out where your money goes.” by listing your non-debt-payment expenditures, you will get a more complete picture of your finances.

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