Comments on: A Look at Mental Mistakes Made When in Debt http://www.nodebtplan.net/2010/02/05/a-look-at-mental-mistakes-made-when-in-debt/#utm_source=rss&utm_medium=rss&utm_campaign=a-look-at-mental-mistakes-made-when-in-debt A personal finance blog teaching you how to live debt free and use credit wisely. Fri, 10 Feb 2012 15:18:07 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Goldruchhttp://www.nodebtplan.net/2010/02/05/a-look-at-mental-mistakes-made-when-in-debt/#comment-107304 Goldruch Thu, 05 Aug 2010 21:25:45 +0000 http://www.nodebtplan.net/?p=4460#comment-107304 Geting out of debt i think is the less important part of this process, the most important is to make the commitment to stay out of debt the funny thing is that many times people get themselves right back into debt again, we need reeducation. Geting out of debt i think is the less important part of this process, the most important is to make the commitment to stay out of debt the funny thing is that many times people get themselves right back into debt again, we need reeducation.

]]> By: Goldruchhttp://www.nodebtplan.net/2010/02/05/a-look-at-mental-mistakes-made-when-in-debt/#comment-107127 Goldruch Wed, 04 Aug 2010 23:29:55 +0000 http://www.nodebtplan.net/?p=4460#comment-107127 Most people have 4 to 5 credit cards making minimum payment will take years to pay. your best option is settling your debt, forget about your credit score pay your debt Most people have 4 to 5 credit cards making minimum payment will take years to pay. your best option is settling your debt, forget about your credit score pay your debt

]]> By: Meganhttp://www.nodebtplan.net/2010/02/05/a-look-at-mental-mistakes-made-when-in-debt/#comment-59016 Megan Tue, 09 Feb 2010 20:22:03 +0000 http://www.nodebtplan.net/?p=4460#comment-59016 This isn't APR-specific, but if I'm calling any company to negotiate a price (eg, my cable bill), I just politely hang up and call 15 minutes later if they won't negotiate with me. I have also (politely) asked to speak with a manager, and to speak with someone in the retentions department. Usually, that department (and I'm saying this from experience with my cable bill; YMMV with the credit card) has access to discounts that your typical front-line CSR does not have. This isn’t APR-specific, but if I’m calling any company to negotiate a price (eg, my cable bill), I just politely hang up and call 15 minutes later if they won’t negotiate with me. I have also (politely) asked to speak with a manager, and to speak with someone in the retentions department. Usually, that department (and I’m saying this from experience with my cable bill; YMMV with the credit card) has access to discounts that your typical front-line CSR does not have.

]]> By: Financehttp://www.nodebtplan.net/2010/02/05/a-look-at-mental-mistakes-made-when-in-debt/#comment-58685 Finance Mon, 08 Feb 2010 09:56:44 +0000 http://www.nodebtplan.net/?p=4460#comment-58685 I agree. When in debt, always use your common sense. But we cannot avoid the thing that one can get some mental override when in debt. I agree. When in debt, always use your common sense. But we cannot avoid the thing that one can get some mental override when in debt.

]]> By: brooklynchickhttp://www.nodebtplan.net/2010/02/05/a-look-at-mental-mistakes-made-when-in-debt/#comment-58249 brooklynchick Sun, 07 Feb 2010 14:15:03 +0000 http://www.nodebtplan.net/?p=4460#comment-58249 I've tried negotiating my APR and had no luck. Can anyone suggest things that have worked for you, post-economic meltdown? Ironically, the one way they DID offer to be flexible is if I stopped paying altogether, which of course I don't want to do! Thanks in advance I’ve tried negotiating my APR and had no luck. Can anyone suggest things that have worked for you, post-economic meltdown?

Ironically, the one way they DID offer to be flexible is if I stopped paying altogether, which of course I don’t want to do!

Thanks in advance

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