Automotive Paint Preparation

Automotive Paint preparation is one of the many important steps of proper repainting of your car. This process involves things such as washing, claying, cutting compounds, waxing and some other important steps. The best way to do this is to follow the procedures which I described in the next few paragraphs.

Sequence of the steps:

1. Wash

2. Clay

3. Cut Compounds

4. Paint Cleaner

5. Mild Abrasive Polishes (swirl removers/fillers)

6. Glazes (oils and fillers only, things like #7)

7. Sealant

8. Waxes

What will these processes do?

I think you all know what washing is, so I won’t be describing this process.

What will clay do is that it will remove elements that cannot be dislodged by washing (semi-bonded paint contaminants).

Cutting compounds are rapid surface removing polishes. They are used to remove scratches and blemishes on rough surfaces.

Paint cleaner is going to deep clean the clear coat, like micro-washing. If your paint is in very good condition you could skip cutting compounds process and simply just use a paint cleaner.

Mild abrasive polishes are going to help reduce the appearance of any surface defects that may still be visible (scratches and swirls could not be completely removed). It will “cut” a little bit, but it’s mostly for rounding out swirls edges and filling in gaps with fillers. These also usually contain glazing properties to bring back shine.

Glazes are going to do nothing to correct defects, but just add luster and shine through the use of oils.

Sealants are used to lock-in your now perfect finish that the previous steps should have resulted in. There are many kinds of sealants but some are very durable and can help keep your finish very well protected and not evaporate quickly like waxes do. Many sealants also add shine. Remember if you used glazes with oils and fillers that you need to use a sealant that can bond to that type of oily surface. Some sealants cannot bond to anything but a clean surface.

Waxes are also a type of sealant but they tend to evaporate quickly. There are tons of waxes that do very different things. but if you find the right one or combination of waxes to use with your car color then you can add so much more depth and wetness to the look even on top of what your glazes/sealants provided. I prefer to use pinnacle souveran paste and pinnacle carnauba quick shine wax one after the other.

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How to Apply Automotive Paint

If you want to repaint your vehicle on your own and achieve that trendy look, then it is important to get all the information you can get about the paint that you will use. You will need to choose the tools to use wisely, select that part of the garage that is well ventilated i.e. where there is free passage of air.

All automotive paints are not the same but there are some few qualities that you need to ascertain before you buy the paint for your car. Any paint that you use should not be polished after application unless it is of poor quality. Paint should always be flexible without the use of flex additives. To improve paint coverage, use paint primer as an undercoating.

When dealing with a minor repair or even a full restoration, preparation is absolutely necessary. Clean the surface that you are using. There are two types of contaminants that will need to be cleaned, these are Water based contaminants, such as dirt, dust and bird droppings. These can be removed easily with a good car washing soap and hot water. And then there are Solvent based contaminants that include wax, plastic resin, oil and tar grease. These require the use of grease remover. In order to know that the area is clean, flush it with water. The water should not stick on this surface, if it does you will need to add more grease remover.

Before applying the automotive paint that you desire, you can remove the old paint using solvent based color removers, making a smooth base on your car body. You are now ready to use a primer on these surface. Use a top quality spray gun, applying sweeping horizontal strokes back and forth. Let the coat dry before sanding it again and applying a fresh coat.

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Flat Automotive Paint – A Comeback Trend?

There are some people who say that the scheme of the car’s paint says a lot about the driver more than the real car itself. Borne out by the decades of the customization, a number of whom manage to formulate even the Pinto Wagons look very sinister, while others have the outstanding talent of making even the coolest of cars look boring and outdated. The most essential part of choosing the paint scheme is to choose a theme that suits personality and the car, and then stick to it.

Flat is Back

The strongest activity in the current automotive market is flat paint or semi-gloss (suede) jobs. The coolest things about the flat paint is that it usually looks very good in just about any color, and can also give any car an extra worldly look while applying the bright colors like blue, yellow and red. The flat earth-tones are very classy and present any street-rod with an attractive original paint appearance.

Materials

When doing the flat paint job you’ll need specific supplies. For safety, it is advisable to use the respirator mask while sanding, spraying the primer and paint. The sanding creates a heavy toxic dust that when not well protected it can get into the respiratory system and lead to extreme damages over time. Both primer and paint are highly toxic. Latex gloves, goggles and the protective clothing can be worn.

The materials required to paint flat on your car are dual action slander, sandpaper, masking tape, primer, block slander, clear coat, paint of your choice and the flattening agent.

Preparing the Paint

Every flat paint job begins with the car’s surface preparation. Sand your car down with the dual action slander and the 80 grit sandpaper. Then clean it off and use the paper and masking tape to cover up any parts of your car that will not need painting. Spray two thin coats of primer, allowing each coat to dry at an average of 30 minutes. Lightly sand the primer with the 120 grit sandpaper and apply a long sanding lump to find any dings or dents. Repair the areas and then spray the primer on those areas. Sand the refurbished areas once more with the 120 grit sandpaper.

Painting Flat

Paint the car, using at least 3 or 4 light paint coats. The spraying strokes can be applied horizontally and overlapping each other. Begin at the vehicle’s roof, the hood and the trunk and then shift to the car’s side, spraying from the front towards the rear. Let each coat dry for 30 minutes before applying another.

Before spraying the clear coat, add the flattening agent to cut the gloss and shine and create the flat outlook. It is very essential to use the same brand products when painting the car, including the paint, primer, flattening agent and clear coat. Spray 3 thin coats of the flattened clear coat, allowing it an average of 30 minutes to dry between coats.

Many cars on our roads feature the flat paint come back trend. The glossy sheen usually creates a modern look, sleek with aesthetic effect. A new or classic car when customized with the flat paint finish makes it stand out from the rest.

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Automotive Paint Repair Can Be Simple

It’s that awful time for car owners, your car’s paint is damaged and you need some automotive paint repair done to get it back to like new. Maybe you were in a low impact collision, scraped the door backing out of the garage, or worst of all, your entire car has been randomly keyed or vandalized. Whatever the reason, there are a number of solutions available to you in the car paint repairs market. Not only will your vehicle be looking better, but it will also be better protected with all of its metal covered in paint and protected from the elements that cause rust.

The first thing I want to look at is why car paint repairs are necessary. To put it simply paint is fashion and function. The paint protects the metal underneath, which is vulnerable to various elements, most notably the weather, but road salt and further chipping factor in as well. Damage that is not attended to immediately can lead to costly future repairs down the road. There is no benefit at all to waiting to do a repair.

Most auto paint repairs are simple procedures. For smaller scratches, dents, and scrapes you can go with a zone repair. A zone repair is a cost effective solution as it only focuses on a specific spot of your vehicle and does a seamless repair of it without painting the entire panel. This is done by isolating the area with tape and paper, while the repair person blends the paint just perfectly to match the original colour. A professional at this technique can do it in a way that matches the paints original factory look and colour around the repair so that no one will ever be able to tell that any damage ever happened. This can be done on side panels, hoods, trunks, and doors. It saves time, money and value over the cost of a repair to the entire panel. It often allows the repair to be done below the cost of your insurance deductible.

For larger damaged areas a complete repaint of the entire panel may be necessary. This can be done at a reasonable cost, but not as cheaply as a zone repair. Remember that this is about protecting your car, and ensuring the greatest value for it in the long run. Do not go with the most economical option. Choose what is best for the long term in keeping your car its best. If there is heavy damage to the metal under the panel it may be necessary to replace the entire panel. This would be unfortunate as this is costly and often requires a repaint of the new panel to match the look and colour of the rest of the vehicle, but there is no good that will come of having an old panel on that rusts.

So whether it was your own fault, an accident of someone else’s doing, or you were the victim of vandalism, it is essential for the long term use of your car that even the smallest dings and chips get attended to. Failure to do so can lead to rust which will dramatically reduce the value of your vehicle. Get immediate automotive paint repair specialists to look at your car to correct this type of damage.

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The Benefits Of Getting A Personal Loan

A personal loan is usually not secured. It means collateral does not need to be provided by you when you borrow. The loan is offered to you by the lender on the basis of your credit and qualifiers. You can easily get the approval of loan, if you have a good credit. A lower interest rate can also be offered to you. Visit a financial institution or search online to get a personal loan.

Here is a list of some of the benefits of such a loan.

Lower interest rate – If you have good credit, then personal loans with lower interest rates can be availed by you. Around 15% APR on a credit card balance is paid by the people with lower credit card balance. But if you have good credit, you have to pay only 6% APR. While making a big purchase, it is considered as a big difference.
Use for many purchases – Your cash can be used by you for making any purchase. A loan of this type can be used even for purchasing a vehicle, starting a business or renovating your house. Restrictions may be placed by other types of loans on the usage of fund. But the conditions of using a personal loan are flexible and can be used for any purchase.
Consolidate debt – High interest debt can be consolidated by using a personal loan. Several smaller debts with high interest such as credit cards and student loans can be paid off by using a larger loan. Money on interest can be saved if you consolidate your debt by using this loan. Your debt repayment plan can be managed in a better way by combing several loans in one place.
Smooth your cash flow – Your cash flow can be smoothened by using a personal loan. A personal line of credit can be got by you, by using your personal loans. You have to pay a low interest rate in this alternate way of use. An emergency fund doesn’t need to be raised for future. The borrowed amount can be repaid by accessing your line of credit.
Boost your credit score – Your credit score is counted depending on your different types of accounts. One type of credit is represented by credit cards. In this case, you can use your credit score to handle your loans. Your score can be boosted slightly by adding instalment loans in your credit report.
Thus, save a huge amount on all your purchases by using a personal loan. Always remember to compare different loans before borrowing any sum.

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Five Reasons for Refusal of a Personal Loan

Don’t you wish personal finance were a mandatory course in college? Unfortunately, too many of us learn by mistake. When you need a personal loan and are rejected, you might be baffled as to what went wrong- and how to fix it. Here are some clues.

NO CREDIT

No credit is a situation where you have never used credit and therefore have no credit history for the bank to review. They have no way of making an educated decision on whether or not you will pay back a personal loan based on your credit history. No credit is worse than bad credit. Qualifying for and making regular payments on these types of introductory forms of credit can overcome a “no credit” score:

· Student Loans

· Secured credit card (includes a down payment amount)

· Being added to a parent’s or spouses good credit: card, car loan, etc.

LOW CREDIT

Low credit takes on several forms. If you’re using more than 30% of your allowable debt, it can negatively impact your score. Too many inquiries from shopping around for loans will also hit you hard. Lapses in payment, defaults, or bankruptcies are giant red flags and can take a long time to rebuild from.

Other things that lenders may look at are whether or not you have sizeable assets should you default on the loan. They also check to see if your debts are diversified or if you are only carrying one type of debt.

INCOME

Proof of income is generally required when applying for a personal loan. If you are unemployed or underemployed, it can work against you in the loan approval process. Lenders may also require a work history to see how long you have been with your current employer, and to determine if you typically have job stability. Frequent job loss or change will tell a creditor that your payments may not be reliable.

PURPOSE OF THE LOAN

Believe it or not, your application can be rejected due to your proposed purpose for the loan. Financial institutions have the right to set up the parameters surrounding their disbursements and can accept or reject your application based on what you want to use the money for.

BLACKLISTING

If you’ve defaulted on debt before, your name may be put on a list of whom not to loan to,’ also known as a “Blacklist.” This will follow you around for a long time and is difficult to erase. If you do resolve the debt issues, get documents to prove the resolution.

NO CREDIT CHECK LOAN

If you need a loan now, but are concerned that you might not qualify for a personal line of credit, you can qualify for a No Credit Check Loan. You could be on your way to a better financial future in no time!

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A Latin Impact on the Finance Industry

Financial Institutions are a fantastic business model to learn from when considering ever changing market conditions. Their traditional target markets are stable, but, the needs of an emerging market, the Latino market is extremely underserved. It is certainly not for lack of money. Many Latinos have zero debt and healthy saving habits. The question arises, are financial institutions doing enough to serve this population? Are they adapting to the Latino needs? The answer is complicated.

There are two types of Latinos in the USA. One is the immigrant seeking a better life and wanting the American dream, whether they came through the proper channels or not it is irrelevant. The second, are the Latinos that are born here. These are two very different groups of people with different needs and goals. Most immigrants bring their culture, traditions, and customs with them to the US. Those born here develop a blended culture that is both Latino and American.

Financial Institutions are taking notice and making strides to accommodate this very economically influential population. The main reason is that there is a lot of investment in education and developing trust. An untold detail is that in Latino countries, people do not trust banks and financial institution because of corruption. Everything is paid in cash and there are no debt or traditional credit scores. This means that the Latino community have cash, probably stored under their mattress or in a shoe box. This is very dangerous considering that a house fire could burn an entire life savings. Another scenario is they could become a target for robbery. This is a foreign concept for Americans. What is happening is a huge learning curve, educating them on the process of building credit, saving their money in a financial institution, getting loans (mortgage, car, etc.), and most important having trust in the financial institutions.

The younger generations that are born here learn from their parents and surroundings. There is still a disconnect from the importance of financial products, building credit, and how that process works. Many of these young people are just translating for their parents, explaining financial products, and become an intermediary for conducting business. You will notice an increase in bilingual support at many financial institutions for this reason. There is still a lot of work to do in this regard, and this process will take time.

However, more and more financial institutions are offering products specific to Latinos. Information is becoming available in Spanish and more financial institutions are hiring bilingual and multi-lingual speakers. It will be interesting to see how we as a country adapt to this important demographic. It is truly an untapped market that has an important function in our economy for growth and stability.

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6 Home Loans Tips Before Applying

Applying for home loans could be dreadful, particularly on the off chance that you are a first-time home purchaser. There’s a considerable measure of printed material and indulgent preparing included. Yet at the same time, it is justified regardless of your exertion. This far reaching contract aide will walk you through the way toward securing financing for your home and make you feel that applying for a home loan is not that horrible all things considered.

1. Know about them Lender or Broker?

There are two approaches to apply for a home loan. To start with, you can manage a loan specialist or home loan organization straightforwardly. Second, you can procure a home loan representative who will help you look over an assortment of moneylenders. Most homebuyers think that its less demanding and less expensive to choose a loan specialist, without assistance from the outsider. In addition, with a specific end goal to locate an equipped and solid agent, you should do a really decent research and get references. That is the reason a great many people like to keep it straightforward and manage a bank themself. In a few circumstances, be that as it may, merchants can really work to support you. For instance, if your record of loan repayment is not all that good, an accomplished dealer might be exceptionally useful in shopping and arranging for the most ideal arrangement.

2. Know the True Rates

The publicized rate frequently snatches borrowers’ consideration yet it is really not the one that borrowers ought to depend on. The AAPR or “the genuine rate” is a much better guide, as it checks every one of the expenses and charges that will happen over the term of your loan. In spite of the fact that the AAPR is a stage up from the publicized rate, it is still only a quantitative device. Once you’ve chosen a couple loans in view of their AAPRs, you will at present need to investigate their different elements. Some worldwide think-tanks, for example, CANNEX and AIMS Home Loans can outfit you with some canny data about mortage loans and help you limit down your choices quicker.

3. Know about loans details & terms

When you search for a home loan and read through various home loan terms and conditions, you will go over money related wording that you most likely won’t discover somewhere else. It is critical for you to comprehend those home loan terms with the goal that you can secure the most ideal arrangement. Truth be told, numerous money related foundations and land firms offer free homebuying workshops, which can help you comprehend what individuals are discussing in land business. Here are some fundamental home loan terms that you ought to know:

APR – Yearly rate, expected to mirror the yearly cost of acquiring. It is otherwise called the “promoted rate” or “feature rate”, that ought to make it less demanding for borrowers to think about moneylenders and loan alternatives.

Closing Costs – Shutting costs incorporate “non-repeating shutting costs” and “prepaid things.” Non-repeating shutting expenses are any things to be paid only once as a consequence of purchasing the property or acquiring a loan. Prepaid things are things which repeat after some time, for example, property charges and mortgage holders protection. Normally a moneylender should gauge both the measure of non-repeating shutting costs and prepaid things, then issue them to the borrower inside three days of accepting a home loan application.

Collateral – An insurance is the thing that you use to secure a loan or ensure reimbursement of a loan. In a home loan, the property is the security. The borrower will lose their property if the loan is not reimbursed by assentions of the home loan.

4. Check Your Credit

When you apply for a home loan, your whole record as a consumer will be investigated by your forthcoming moneylender. FICO ratings more than 620 have a decent risk of getting affirmed for a home loan with a decent financing cost. On the off chance that your score is beneath 600, in any case, your application might be denied or you may get affirmed at a much higher loan fee. Whether you have a decent or terrible financial assessment, what you ought to do is check your credit report before your bank does. You can get your credit report from Equifax, Experian and Trans Union. In the event that there are any mistakes, attempt to contact these three organizations and clear them up. This procedure can take a great deal of time, so it is something you ought to do a while before apply for a home loan. Paying down your budgetary commitments, for example, Visa obligation and auto loans, before applying for a home loan is additionally an extraordinary thought.

5. Don’t afraid from your bad credit score

Regardless of the possibility that you have an awful financial record, you ought to in any case glance around for the best arrangement. Don’t simply expect your lone choice is a high-taken a toll loan. On the off chance that your credit issues were created by unavoidable circumstances, for example, ailment or a brief loss of pay, disclose your circumstance to the loan specialist or intermediary. Ask a few banks what you need to do keeping in mind the end goal to get the least conceivable cost.

6. Verify and clarify all the things

A pre-endorsement letter is extremely useful, yet not as awaiting as you may think. When you locate a home you’d like to purchase, and your offer has been endorsed, you will need to do a reversal to the moneylender and submit archives that confirm your monetary data to get a loan. Your benefits will be assessed. The loan specialist will investigate your work history. You ought to have no less than two years of business history in the same profession. On the off chance that you are new to the work power, advanced education may help you get endorsed. In the event that you don’t have a sufficient record as a consumer, you may utilize normal regularly scheduled installments, for example, lease, telephone, or satellite TV to demonstrate the loan specialist that you are a reliable shopper.

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The Role of Islamic Finance in Economic Stability and Social Justice

One of the most distinguishing times for the U.S. Islamic home financing industry began in February 2007. The Federal Home Loan Mortgage Corporation (Freddie Mac) sent out a press release announcing that it would no longer buy the most risky subprime mortgages and mortgage backed securities. Two months after the announcement, a leading subprime mortgage lender filed for Chapter 11 bankruptcy protection. Three months after that bankruptcy filing, nationwide financing entities warned of “difficult conditions” ahead. Manifestations of such difficult conditions appeared on the horizon of the financial market when once well-established mortgage companies suddenly began to file for Chapter 11. Similar circumstances reached the U.K. as the Bank of England cleared an authorization to provide liquidity support to Northern Rock, the country’s fifth largest mortgage lender. Five months later, Treasury of the United Kingdom became the owner of Northern Rock.

Up until that point, the gravity of these “difficult conditions” was not fully understood by most of the populace. Late in 2008, the Federal Reserve Bank of New York was authorized to lend $85 billion to the AIG. This was the beginning of the most serious recession in the United States since the Great Depression. What followed was a chain reaction that led to an unprecedented global financial crisis, as the world suffered from rising unemployment, rampant foreclosures, and severe skepticism of financial instruments.

This led to a renewed spotlight on an unfamiliar market segment that appeared comparatively more stable and, more importantly, far more ethical: the Islamic financing sector. From the financial centers in Malaysia to the Middle East, spanning across over seventy countries, Islamic finance in the U.S. increased from $5 billion in the 1980s to $1 trillion in 2010. This phenomenal growth caught the attention of global investors who were seeking to safeguard their investments through more ethical and reliable financial instruments. When financial sector workers realized that these Shariah-compliant instruments avoided many of the worst effects of the global financial crisis, it became an attractive investment vehicle to support a more diverse portfolio. The Shariah-compliant financial sector has avoided investment in predatory lending businesses and overly leveraged financial instruments due to the strict ethical nature of the Shariah governance system. News and media outlets started to cover this ancient yet unfamiliar industry in hopes of learning from the mistakes of the conventional banking sector.

The concept of the modern Islamic financial services industry is rooted in the principles of Islamic legal jurisprudence that deals with financial transactions, a branch of Islamic jurisprudence called Fiqh Al Muamalat. Fiqh Al Muamalat is a framework under Islamic Law that charts the conduct of Muslims in commercial or economic endeavors. Islamic finance products and rulings are based on specific injunctions from the Quran that prohibit certain features of financial transaction models and related economic activities.

The Quran forbids interest, also called usury or riba. The underlying reasoning is that Islam considers lending to be a charitable act to help another member of the society in his/her time of need – therefore, profiting from someone’s hardship is strictly forbidden. In the conventional banking system, when interest is charged on a loan, the risk of that transaction is transferred to the borrower while the lender gains profit from the interest-based transaction. There is no consideration for the hardships endured by the borrower in the event they undergo any loss from the transaction.

By its nature, Shariah law prohibits unethical financial practices. It also promotes wealth distribution among all people to reduce poverty and inequity. This is manifested in the prohibitions of activities such as excessive speculation, gambling, and investing in products that are harmful for society as deemed by Islamic law (alcohol, pornography, etc). The structure of Islamic financial products and services, especially its prohibition in speculative transactions, has helped the industry escape most of the adverse effects of the global financial crisis. The governance model of Islamic financial institutions has been praised as an ethical alternative by institutions such as the International Monetary Fund and the World Bank. Economic experts have suggested that Islamic financial principles can be leveraged to promote financial inclusion that uplift the quality of life in developing nations. Islamic financial principles can also contribute to financial stability and economic development around the world.

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Take Control of Your Finances and Get Out of Debt

Debt: The one thing that we all dread. All people desire financial freedom, but very few people achieve their goal. Poor money management is the greatest problem especially when it comes to debt- bad debt. To most people debt is a way of life. The basic definition of debt is money borrowed by one person from another. Under this definition, debt is never bad or good. But, there are two types of debts bad and good. Bad debt is money that can’t be recovered. Good debt helps you to make money.

You can’t live without good debt as that is how you will get ahead. For you to become financially free, you have to learn how to pay off your bad debts stay free of them. Bad debt is money that you borrow and buy luxuries like clothes, cars, go for vacations, jewellery, etc.

To eliminate bad debt, there are two things that you need to do; limit your expenses and have a formula for debt repayment. Everyone has a formula for paying off the debt. Below are six steps that you can use.

Take note; this may not apply to everyone. This is just the formula I used to pay off my bad debts.

STEP ONE

Stop accumulating debt:

The first step for is to stop accumulating debt. When you notice that you have dug yourself in a hole, you STOP digging.

You need to limit your expense. This means being frugal. Most people think that frugality is a bad thing. But, if you are to succeed in getting out of debt, you need to be economical. Take an inventory of your expenses and then try to eliminate the expenses that you can leave without. Write down belt-tightening measures that are going to save you money each month. Commit to this process as your life depends on it.
Never shop on impulse. Shopping on impulse is what makes people get into debt. You need to control your desires.
Delayed gratification. If you seek short-term gratification, you will pay for it in the long-term. Never purchase the luxuries with a credit you will only be digging yourself deeper into debt.
STEP TWO
Take account of your debts

You cannot work on something you do not know. So, you need to take account of your debts. This is the toughest part because you will have to be true to yourself. You also need to indicate the amount of money that you owe. Make sure that you also write down how long it will take.

For example:

Credit card debt amounting to $2,000 with a minimum payment of $200. That means it will take you eight months to completely pay off the debt.
Your school loan amounting to $3,000 with a minimum payment of $300. It will take you ten months to complete the payment
You need to list all the debt including the ones you owe to your friends and family. They may not require the money back, but, by paying off your friends will help you develop self-discipline.
STEP THREE

Start paying off your debt

Once you have made your list, you need to start paying off the debt with the least number of months. If you pay off the debt, it will motivate you.

STEP FOUR

Move on to the next debt

Take the next debt with the least number of months and pay it off. Here is the tricky part; take the money from the first debt and add to this new debt. For example, take the first $200 you were paying and add $300. In total, you will be paying $500. This means that instead of taking ten months, your second loan will take you six months instead of ten months.

STEP FIVE

Find an alternative income generating channel

It is important for you to find an alternative source of income. It doesn’t have to be something time-consuming. A part-time side gig is perfect for you. The idea is to raise an extra amount of money, $50 to $100. The extra cash is to be used for your debt repayment. It will help you to pay the debt faster than you anticipated.

STEP SIX

Pay yourself

Most people don’t pay themselves, but by not doing so you will not be motivated. It makes sense to pay your debts first. However, if you don’t develop the discipline of paying yourself first, you will not be motivated to pay off your debts. Motivated you ask? Yes. When you pay yourself first, the pressure to pay off your creditors will make you come up with different solutions for paying them off.

To pay off yourself, you need to start small. Take three piggy banks; one for saving, investing and tithing then take 30% or the amount you are comfortable with from your income and put into the piggy banks i.e., 10 % in the three banks. After every month, deposit the money into your savings account and investment account. The tithing money, give it away to your favourite charity or church.

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