Your New Year’s Resolution: Track Finances and Pay Off Debt

div img class=”category-img” src=”http://ftper.newsusa.com/Thumbnail/imagena.gif” alt=”Five words or less” width=”180″ //divdiv class=”category-listcontent”div class=”category-body” id=”ArticleBody” style=”display: block” (a href=”http://www.newsusa.com”NewsUSA/a) – Better budgeting contributed to Americans paying off nearly $1 trillion in debt over the past two years, according to a recent report by the …/div/div

Your New Year’s Resolution: Track Finances and Pay Off Debt

Five words or less(NewsUSA) – Better budgeting contributed to Americans paying off nearly $1 trillion in debt over the past two years, according to a recent report by the …

Home Computers and Your Budget

<b>Home Computers and Your Budget</b>“></td>
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<p>(<a href=NewsUSA) – Those Americans who are still without home computers can find themselves at a disadvantage. Children need computers to complete their schoolwork, and adults who are unable to check their e-mail at home miss important workplace information.

One mother was shocked to learn that one of her children’s after-school activities required online registration. “I had to go to a public library just so my son could bring a project to the county fair.”

Some people might fear that they lack the money to purchase a home computer. But computers are more easily available than many people think.

Used, refurbished computers provide one option and can be purchased well below the price of a new machine.

But some companies allow people to finance computer purchases. One company, Pay by the Day (www.abuckaday.com), lets people pay as little as a few dollars a day towards a new, brand name computer.

Consumers can purchase IBM desktops and monitors, Toshiba notebooks and Lexmark printers, along with other electronics, online. After a simple credit check, Pay by the Day sends the item to the purchaser’s home with no money down. Pay by the Day will approve customers without -; or with negative -; credit history.

Consumers decide how much money they will put toward their computer purchase at each payment. If they come into some extra cash, people can put larger amounts toward their new item without penalty. Pay by the Day doesn’t have hidden fees. After a customer makes their final payment, they own their new computer.

Using Pay by the Day can help people correct or create positive credit, too. Customers pay the company through automatic withdrawals from their bank account, so they don’t have to worry about missing or forgetting to mail paper bills.

In slowly paying off their computer purchase, people might improve their credit history, eventfully allowing them to take out larger loans on future purchases.

For many Americans, living without a home computer is no longer an option. But if people finance their electronic purchases, they can buy the new computer that they need without breaking the bank.

Buying a New Computer to Boost Your Credit

<b>Buying a New Computer to Boost Your Credit </b>“></td>
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<p>(<a href=NewsUSA) – As rising prices leave Americans low on cash, many turn to credit cards to cover expenses. But people shouldn’t use credit cards if they cannot pay credit card bills -; bad credit ratings can create lifelong, devastating effects.

Banks, financial institutions and businesses use credit card ratings to establish consumers’ reliability. People with no or bad credit can find themselves unable to get car or home loans. Landlords and potential employers check credit ratings, too. So, Americans without good credit can have trouble renting an apartment or getting a job.

But people looking to recover from bad credit do not need to declare bankruptcy. With some creativity and judicious spending, people can establish or recover good credit ratings -; and end up with some high-end electronics to boot.

Companies now offer low-rate financing options, which help people buy products while also building good credit.

One company, Pay by the Day (www.abuckaday.com), allows customers to finance IBM computers, Toshiba notebooks, JVC televisions and Canon digital cameras -; along with other electronics, sporting goods and furniture -; for as little as a few dollars a day.

Buyers determine a set amount of money, which is automatically withdrawn from their bank accounts to go towards their purchase. Pay by the Day sends products to homes with no extra money down. The service has no hidden costs. Once people pay off their purchases, they own them completely.

Pay by the Day will approve customers for financing, even if they don’t have good -; or any-; credit ratings. In purchasing a computer or camcorder through Pay by the Day, people can establish or improve their credit ratings.

Having a credit card -; and the credit rating that comes with it -; has become a necessity. For people finding their loan applications and resumes continuously declined due to bad or nonexistent credit, financial recovery can seem endlessly frustrating. But with companies like Pay by the Day offering low-financing options, buying a laptop or television now can help Americans rent apartments, buy homes and cars, or get jobs later in life.

Financing Your Back-to-School Laptop

<b>Financing Your Back-to-School Laptop</b>“></td>
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<p>(<a href=NewsUSA) – For college students, computers are as important as textbooks if not more so.

Students’ homework? Online. The articles that students need to write their research papers? Archived online.

Colleges now put everything from campus news to career center information to dining hall schedules on the Internet, making personal computers as important for today’s students as the paper and pens of yesteryear’s college-goers.

But laptop computers have one major downfall – they cost money. Among tuition, boarding costs, meal plans, textbooks, lab fees and student loans, college students – and their parents – can find themselves strapped for cash.

For college students lacking thousands of dollars in spare cash to spend on electronics, there are options.

Some manufacturers resell used and refurbished models for less then the cost of a new computer. Other services allow students to finance computer purchases.

One company, Pay by the Day (www.paybytheday.com), lets students pay as little as $2.25 each day toward a brand new, brand name computer.

Students can fill out a credit check application online. If their credit is approved, students can order any electronic device, including Toshiba notebooks, Lexmark printers, Apple iPods, IBM desktops, Canon cameras or Microsoft gaming systems from Pay by the Day’s Web site.

Students determine a set amount of money, that will be automatically withdrawn from their bank account to pay for their purchase. With no extra money down, Pay by the Day sends brand new electronics to students’ homes, so they can begin building their personal Web page – or start their homework – without delay.

The service does not have hidden costs. If students find themselves with extra cash, they can put it toward their purchase without paying extra fees. Once the student finishes paying for their computer, they own it completely.

Paying for college causes students enough worries. Paying for the electronic study equipment they need to graduate should not cause more. With systems like Pay by the Day, students can buy quality electronics for less money per day than a daily latte or pizza order.