Archive for February, 2010
Choosing Credit Card Debt Settlement
February 13th, 2010 | 
Author: When you are tied up with debts, so much so that waking up every morning is a big burden, having a credit card debt settlement is just the relief you needed. Credit card debt is one of the world’s worst nightmares and sad to say millions have fallen prey to this culprit.
As soon as you are free of your debts, you can live a new and better life. Nothing can equal the freedom you will feel when you have settled everything and the nagging phone calls, mails and bills will be a thing of the past. The tension would be gone and you can breathe again. That is what debt settlement can do for you.
There are two ways to settle your debts. You can opt for credit card debt settlement all by yourself or you can consult a credit counseling company or any professional to help you out.
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Employment Law Solicitor When Leaving Work
There are several reasons why you might choose to leave your job. You might have had a better offer from another company; it might be because you dislike your boss or you might simply want to do something else. Whatever the reason, leaving a job is never an easy thing to do. Most likely you will be nervous when it comes to handing in your resignation, but there are a few tips which can make the process much easier for you. If you experience problems from your boss when you hand in your resignation, use an employment law solicitor to handle the case for you.
Before Giving Your Notice In
Try not to tell too many colleagues that you are going to hand your notice in before you actually do it. You might find that they change their behaviour towards you or you may become the scapegoat for other people’s mistakes. This will also prevent your boss from hearing about the news before you tell him personally, something that should always be done.
Telling Your Boss 
When it comes to telling your boss the news that you are leaving the company, there are some tips to follow. Do not bring any negativity into the conversation as this will only help to make you look bad in their eyes. Do not give too much information as to what your next job is because they may then cause trouble with your new employer. Always thank your boss for the opportunity that they have given you because giving someone a job is a sign of trust.
Resignation Letter
You should accompany your verbal resignation with a written document known as the letter of resignation. You can get an employment law solicitor to look over the letter. This should be a very short document with the date, your name and position, the date your resignation comes into effect and a sentence which says that you are leaving. If you want to thank your employee for the opportunity then you can put this in the letter too. Do not include any more information as it can be used against you if things were to turn ugly.
Follow these tips and you will have a smooth resignation period. Get it wrong and you might end up being asked to leave straight away, without some of the money you are owed or with a bad reputation as an employee. If your boss makes trouble for you when you tell them you are resigning, use an employment law solicitor to handle the case.
Don't buy things you cannot afford
A phrase we are all familiar with I presume, yet the majority of us still buy things we cannot afford.
Temptation is our biggest downfall when it comes to this. We see something we like and have to have it straight away – even though we can’t afford it…”Just stick it on the credit card”, we say.
I was just like this last year, I saw something that caught my eye, and convinced myself that I needed it – when I really didn’t! I knew that if my financial situation was to improve at all, I had to stop this impulse spending.
So how did I do it? Well, I just learnt a little self control and within weeks, my finances were stronger than ever, I wasn’t spending my money here there and everywhere.
The first thing I did was create a plan. I wrote down everything I earned in a month, and everything I spent. By doing this I could see where I was wasting my money. In fact, all I had to do was look at my bank statement to see where I was going wrong. So what tips would I give to someone in a situation similar to the one I was in?
Create a strict budget
If you draw up a realistic yet strict budget, then you should see an immediate improvement in your finances – I did, and it felt great!
Self control
This is the key here, you may well create a budget – but if you can’t control your spending then how are you going to get it sorted out? The thing is, you need to ask yourself a few questions every time you are thinking about buying something. For example:
1. Do I really need this?
2. How much money do I actually have available to spend?
3. What else could I use this money for?
By asking yourself questions like these, you should be able to give yourself a straight answer and walk away from the shop without a hole in your wallet. What’s more, you won’t have spent any money and you will feel much better about your situation!
Chop up (most of) your credit cards
This is simple – if your credit cards don’t exist, then you can’t spend on them – meaning you won’t be able to buy things you cannot afford! You might want to keep one for emergencies…
Remember, every time you buy something you cannot afford, you are just pushing yourself further into debt. You wouldn’t choose to be in debt…so why put yourself there?
Useful Resources:
www.debtadvicenow.co.uk