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In this article we are going to help you take the first step
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PostPosted: 26 Feb 2020 09:42:14    Post subject:  In this article we are going to help you take the first step
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In this article we are going to help you take the first step to solving your debt problems. The first step is that you need to know what you are up against. How much debt are you actually in? How much do you spend each month? And what is your income?

This is going to take you some time
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, very few of us are organised enough to put our hands to every single bank statement and bill, so you need to set some time aside to do this next task.

Task 1 Your Current Debts

You need to search your home for the latest bank statements, credit card bills and any other letters from people that you owe money to.

Next, make a list of each of your debts and the amount of money that you owe, also make a note of any interest rates that you are being charged
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, this is so that you can see at a glance which debts are the most expensive.

You can download an example form for you to fill out here: Debt Budget Calculator: have now taken the hardest and first step towards clearing your debts. Now that you can see your full debts in black-and-white this may be a little scary, but there are definitely solutions available for your debt problems.

Task 2 Your Finances

Now that you understand the extent of your debts, it's now time to work out your actual monthly finances. This task is also going to take some time as well, but this is the most important step to begin clearing your debts.

Income

First of all you need to make a note of every single source of income that you have, so this is your salary
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, benefits, interest on savings, rental income etc. Refer to your bank statements to remind you of the various sources of your income.

You can use the Debt Budget Calculator from Task 1 to fill out these details.

Expenditure

This is the hard bit, you need to itemise everything that you spend your money on. It will be useful to check your bank statements to see what you have spent, make sure you include all your direct debits
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, standing orders, bills, mortgage rent, council tax, utilities etc. You will also need to write down the everyday spending such as coffee
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, sandwiches, magazines, clothes, etc. If you regularly withdraw money out of the cash machine and don't know where it goes this should be an eye opening experience.

Task 3 Moment of Truth

Now you can view at a glance your entire financial situation and compare what's coming in and what's going out. Don't panic! It is now time to find some extra cash and cut back on your spending.

This is where you really need to be ruthless, first of all see where you can cut back on your spending; do you really need the morning coffee every day on the way to work? 拢2 per day adds up to over 拢500 a year on coffee!
Do you have a gym membership that you never use? Can television and Internet packages be cut back? Check that you have good deals for your gas and electricity suppliers
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, as well as your insurances, it's easy nowadays to shop around on the Internet and compare prices.

You need to keep finding areas to cut back your spending until you have some spare cash each month, once you have done that you may also need to look at ways of generating extra income, for instance working overtime or renting a room in your house, selling unwanted possessions
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, and also check to see if you are eligible for any benefits.

You are now well on your way to clearing your debts, the next step is to work out which debts to pay first which we will cover in a separate article.Calpe ligt in de provincie Alicante en de regio Valencia. De Spanjaarden noemen de stad Calpe en in Valencia zeggen ze Calp. Calpe ligt aan de Costa Blanca en kenmerkend voor de stad is dat een 332 m. hoge kalkstenen rots ligt die van heinde en ver te zien is. De rots maakt onderdeel uit van een vogelreservaat. Je kunt de rots beklimmen en je kunt je voorstellen dat je een prachtig uitzicht hebt vanaf de rots. Calpe is van oorsprong een vissersdorp en heeft nog steeds een actieve vissershaven. Vanuit deze haven kun je boottochten maken, een leuke ervaring. De stad wordt gescheiden door een zout water meer: Las Salinas, een prachtig gezicht zo dat meer in het midden. De zoutmijnen hebben dit meer laten ontstaan. Dit zoutwatermeer was vroeger erg belangrijk voor de economie van Calpe. Het zout werd ook vooral gebruikt om de gevangen vissen in te bewaren. Ideale combinatie: zout en vissen. Tegenwoordig is het meer beschermd. Je kan er allerlei vogels, zoals flamingo鈥檚 vinden. Calpe was vroeger omringt door muren en hier zijn nog delen en een uitkijktoren van terug te vinden in de oude stad. Ook zijn er oude kanonnen te zien die ooit gevonden zijn in de zee. Ook interessant zijn de resten van een oude Romeinse zoutfabriek. De binnenstad in prachtig om eens doorheen te lopen
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, prachtige geplaveide straatjes en trappen zijn er te vinden. Ook zijn er meerder musea te vinden die je kunt bezichtigen. Calpe ligt aan de kust, dus natuurlijk zijn er ook mooie stranden te vinden. Een zon, zee strandvakantie kan Calpe je zeker bieden. Ook zijn er allerlei vormen van watersport te beoefenen. Er is ook een kiezelsteenstrand waar vooral duikers en snorkelaars te vinden zijn. Er is zoveel te doen in en rond het water dat je er een groot deel van je vakantie mee in kan vullen. Dus zon en water liefhebbers zijn in Calpe op de goede plek! Ook zijn er meerdere spa鈥檚 in Calpe waar je heerlijk kunt ontspannen! Wat je zeker is moet doen als je in Calpe bent is een visveilig bijwonen. Elke maandag en vrijdag om 5 uur op de vismarkt in de haven is er een visveilig en het is zo bijzonder om dat eens mee te maken! Je ziet allerlei vissoorten in kratjes voorbij komen. Natuurlijk staat er ook vis op het menu in de restaurants van Calpe, dus je kunt er allerlei vissoorten proeven als je van vis houdt. Er zijn prachtige villa鈥檚 aan het water te huur in Calpe voor een mooie prijs, dus het is zeker aan te bevelen om e.
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PostPosted: 26 Feb 2020 09:42:14    Post subject: Adv






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