3 Step when you don't know What do you do when you can't pay your bills?

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What to Do When You Can't Make the Minimum Payments

Step #1: Lighten the Load

Your first goal is to get and stay current on all of your bills. That means you need some extra cash—and fast! Sell that expensive car and get a cheap-but-reliable older model.Make money online  stuff envelops , writing jobs there are millions of work from home job and they are legit great for fast cash. Get  tips here

Step #2: Use the Pro Rata Plan

The next step is to set up a pro rata plan for paying your bills. Pro rata means "fair share." You give each of your creditors their fair share of the money you have left after you’ve paid for the essentials. Here’s an example of how that might work:

Step #3: Send Payments With a Letter

You’re almost done. Make copies of your math, including your income, expenses, disposable income, and the calculations you made to give every creditor their fair share. Include this letter with every bill, every month.

Your creditors won’t like getting less than the minimum payment, but if you keep sending checks every month, they’ll probably keep cashing them. You’ll still get phone calls and people will still try to bully you into paying more, but don’t let that rattle you so much that you agree to some stupid arrangement you can’t afford. And never, ever give a creditor access to your bank account for automatic withdrawal every month. They’ll clean you out—even if they say they won’t. Problem not solved.

Related: What Collectors Can (And Can’t) Do

Now What?

Remember, the pro rata plan is only a short-term solution. It just gives you enough breathing room to make long-term changes for the better. Get a second job until you’re caught up and current with your bills. Consider downsizing your home so you can make more manageable payments. Switch your cell phone plan to a pay-as-you-go service—and use your phone only for emergencies. Get a roommate and share expenses. You have options!

Most importantly, you must learn to hate debt. Get mad at it. Attack it full-force. It’s not your friend. If you don’t change your behavior and your attitude, you’ll be right back where you started—in a hole. You don’t ever want to go there again, so do whatever it takes to say goodbye to debt for good!

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It might seem overwhelming in the moment, but stick to it! Imagine how amazing it will be to get on the other side of this mess. You can achieve financial peace, one baby step at a time.

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Can You Get More Traffic With Facebook Ads? Or is this a scam?

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Can You Get More Traffic With Facebook Ads?


As we know one of the top ways to grow your company these days is by using Facebook. Millions or more people use this site daily and taking the time to put this social media site to work for you is ideal.
You can create ads on Facebook that will enable your site to get the attention it deserves.Knowing how to get more traffic with your ads is a good place to start for continued success.
1. Be Specific
One thing you will want to do when making ads is to list the specific details of what you offer. If this is a product or a service, you will want to be as specific as possible.
This will enable you to get the information to your potential customers that may increase your potential for sales. Unless you’re able to provide valuable information, then you may be unable to get the action you’d like.
2. Remain Positive
The last thing you will want to do is to be negative in any of your ads. This can prevent you from getting people to actually view your advertisements.

It’s in your best interest to take a positive approach or a neutral one for optimal results. Putting Facebook to work for you may enable you to have increased success with your business today!

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Benefits Of Facebook Advertising

The key to making the most out of your business may begin with advertising on Facebook. This is one of the most popular social media sites these days and you’re sure to reach many people.
It’s not that expensive to get started and you can even begin placing ads for as little as five dollars.The key to your success or getting motivated to have it is sure to be helped by knowing some benefits of doing this.
1. Targeting Your Audience
One of the huge advantages of using Facebook for you is that you can target your audience.
There is a variety of tools that will enable you to find out what certain people are looking for and what the most popular searches are for in the process.
You can look at the demographics in any region and target your audience to attempt to get more sales for your company.
2. Low Cost
Being able to stick to a budget is sure to be high on your list of things to do as a company.The good news is that you can post ads on Facebook for as little as five dollars per day.

Taking the time to use Facebook ads is an ideal way for you to get your business noticed and to make more money! Be sure to get started today!