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United Settlement » Improving Your Financial Situation
admin August 29, 2017

Improving Your Financial Situation

Looking at your finances from where they sit today, your situation may feel more than a bit challenging. However, with proper planning and discipline, you can turn things around. The first step toward making your situation better is to fully accept that you have a serious debt problem that needs to be addressed. Once this is done, you can begin to clear a path toward eventual financial recovery.

Begin by taking a fair and balanced look at your current financial situation. Take stock of your monthly cash inflows and outflows, and determine what your true bottom line looks like on a monthly basis. If you’re running a deficit, you will have to make choices, both obvious and difficult, to better manage expenses.

Save money, prevent debt
cut your credit cards

No More Plastic

The next step is to stop using your credit cards and credit lines any further. There’s simply no good reason to fall deeper into debt. Importantly, do not close any of your existing accounts, as doing so can lower your credit score. Simply refrain from using your accounts while still maintaining them and focus on paying down your debts with any extra money that you earn. Live by your cash and debit card alone while following the following hard and simple rule – If you don’t have the money to buy it, then live without it.

apply here

Get Working and Simplify

To enhance your earnings, pursue a second job with flexible evening and weekend hours. Restaurants, retailers and other service businesses are viable candidates for securing extra income. You can also consider leveraging any specific skills that you possess related to teaching, writing, editing, photography, web design, the arts, tax preparation, and salesmanship, for starters.

It will require discipline and sacrifice to improve your financial situation. It will be necessary for you to learn to live without some things to which you may have grown accustomed. Until you’re on firmer ground with your debt, gone are the days of attending expensive sporting events and concerts. Gone are the days of spending money on high-end clothing. Gone are the days of trying new restaurants. When you’re not working, you may have to spend more time than you’d otherwise prefer simply relaxing at home, reading or watching television for entertainment. However, look at it this way – It’s a matter of sacrificing in the present so that you can have plenty of time to enjoy more of life’s little extras in the future.

budget yourself

You Can Do This

Permanently reducing your debts will require you to take consistent long-term action. Think of debt-reduction as a new habit, and not something that you merely do some of the time, or only when you feel like it. No. Rome wasn’t built in a day, and just as getting into better physical shape takes time and effort, so it will be with your debt-reduction process. Clear your mind of any questionable financial decisions that you may have made in the past and instead focus on your future. Understand from the outset that embracing a new and simpler lifestyle probably won’t prove easy or feel very good in the beginning. However, you will generate momentum, so remind yourself that making the full effort is in your long-term interest. Things will indeed get better. You’re not the first person to fall on hard times – and you most certainly won’t be the last – but this can be the last time that you journey down the debt-reduction road in your lifetime.

Excellent
Based on 377 reviews

Overall 4.4 out of 5 stars

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March 14

That when it seems like nobody can help United will.

This was a great experience for me. I am just starting but Madelene Gallon made me feel like we were friends for years. She tried to make me feel that she would help me and make sure I got the best deal from United. I hope this...

Annette Huggins
March 01

Kind and caring

Had been searching for a while for a company I could trust to get me out of crippling debt. Really didn’t think it was possible. Spoke to Ben at United Debt and he assured me that not only was it possible, but it would be fairly...

Kiirstin
March 01

Kind and caring

Had been searching for a while for a company I could trust to get me out of crippling debt. Really didn’t think it was possible. Spoke to Ben at United Debt and he assured me that not only was it possible, but it would be fairly...

Kiirstin
February 28

Quick, easy assistance!

I've been working with Ben at United Debt to help me organize and get out of debt for once - I've been dealing with debt for ages and Ben showed me some simple ways to begin dealing with things to keep me from bankruptcy or worse....

Dylan
February 14

I need help

I really appreciate

Takota Carrie
December 21

Great!

Renika went above and beyond today to help me. She is wonderful to work with! Thank you again Renika for all of your help today! Happy Holidays to you!

JONICA Amber PIRON
December 20

Paying back

They where great listeners

Jayvon
December 14

Everything

Thanks

Shawn abetha
November 23

Do your home eork

Paid several thousand dollars and nothing done. Ended up settling 90%by myself. This is a preatory company. So do your homework. This will never post.

Robert Phillips
November 18

Customer service is truly helpful

Renika was so helpful. My account was paid off but I kept receiving notifications. She cleared up the situation.

Dm
November 16

Great Customer Service

Renika did a wonderful job handling my questions and transactions. She is very patient on the phone and took care of my needs accordingly.

Jose Rosa
November 03

Very helpful

Renika did a great job in answering all of my questions in a timely manner. She was polite and friendly. Keep her on the payroll.

Russ
October 31

What's Important to me is United Settlement Costumer service !

United Settlement Costumer service is Amazing Everyone is Professional . I am so happy choosing them with my card Debt. thank you all for helping me out .

Anthony Desoto
August 23

That this company has integrity!

A responsive company that keeps it clients up to date and fully informed. I like the fact that I can send them a text and be guaranteed an answer within 24 hrs.

Ri cky
June 04

Professional and focused on facts and truth not hype. Excellent. We want to know facts.

Great work very professional and great updates. Communication is excellent.

Jerry Bolandis
October 25

trust them

Excellent. Also each time i call there they treat me with respect even though they are probably thinking jerk . You sure have made mess of your life. but they have been taught to smile smile smile. this agency is just awesome....

janice head
August 01

Thanks for all your help and negotiations.

Thanks for the update! I have faith in you guys and will continue my payments. Thanks for all your help and negotiations.

Scott W O'Neill
July 30

That A Settlement Was Entered.

I Absolutely Love You All At United Settlements. You All Have Saved My Credit Solutions. I Would Refer Everyone To You Services.

Cassandra Robinson
July 16

The results of the settlement attempts.

So far, I have found United Settlement more than satisfactory. Very conscientious and very efficient in providing a service in debt settlement. Thank you and all the members of your team who are assisting in bringing me new life. ...

Mildred Yvonne Sherron
July 16

Tough Financial Hard Times During Covid-19

I signed up with United Debt Settlement because of large credit card debts, which had taken a financial toll on my credit. UDS has an outstanding reputation assisting clients like me achieve financial recovery and success. During...

Diana Cardona
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    Clients who stay according to debt relief program can realize approximate savings of 50% before fees, or 25% including fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for reasons such as: their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period. We do not assume consumer and/or business debt, provide tax, bankruptcy, accounting, legal or credit repair services/ advice. Our program is not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. If you have any additional questions please contact us. NMLS ID: 1947026
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