Universal Debt Solutions

Universal Debt Solutions We help consumers take charge of their debt😎
💳Save money each month
💳Reduce what you owe
💳Be debt-fre

Need a little help managing your spending?Perhaps the 50/30/20 method could be a good budgeting fix for you. It works b...
04/09/2023

Need a little help managing your spending?
Perhaps the 50/30/20 method could be a good budgeting fix for you. It works by dividing your monthly income into three categories that help you stay on top of your finances-and still enjoy other activities.
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It's no surprise that when you're in debt, you turn down opportunities to do the things you love. But with one phone cal...
04/03/2023

It's no surprise that when you're in debt, you turn down opportunities to do the things you love. But with one phone call to us we can show anyone in debt a plan that will let them do the things they love and start living again. Just ask any of the over 400,000 we've helped get on the road to debt free.
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We get it. Signing up for a debt relief program comes with a lot of questions. And we're standing by to patiently answer...
03/27/2023

We get it. Signing up for a debt relief program comes with a lot of questions. And we're standing by to patiently answer as many as you have.
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Here's some tips on how you can assist your spouse with debt:1. The spouse most comfortable with debt and managing mo...
03/25/2023

Here's some tips on how you can assist your spouse with debt:
1. The spouse most comfortable with debt and managing money should handle the finances, or alternatively, get together to review and pay the bills and help advise the lesser-experienced spouse on how to properly maintain their finances
2. Determine how much of the combined household funds of each month will go to cover mutual or even individual debts, depending on what decision is made together
3. Help to ensure that each spouse is able to keep up with and ultimately eliminate their individual debts
4. Decide how to handle future debt before it's taken on. Will a new home be bought using both names or one? Joint, or individual credit cards?
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Are you hesitant to consider debt consolidation because of some common misconceptions? Don't let these myths hold you ba...
03/23/2023

Are you hesitant to consider debt consolidation because of some common misconceptions? Don't let these myths hold you back! Here's what you need to know about the benefits of debt consolidation and the truth behind some of the most prevalent misconceptions.
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We know that life happens, especially in this past year. We're here to help, and we can show you how to simplify vour fi...
03/16/2023

We know that life happens, especially in this past year. We're here to help, and we can show you how to simplify vour finances with debt consolidation options that are available to you. Visit universaldebtsolutions.com for more info!

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Here's why👇A lot of our financial stress is caused by what we believe we "should" be doing. Hell - a lot of GENERAL stre...
03/08/2023

Here's why👇

A lot of our financial stress is caused by what we believe we "should" be doing. Hell - a lot of GENERAL stress is caused by what we think we should be doing.

So here are a few money "rules" that may be holding you and your money back:

Pay off debt before investing: it's true that high interest credit card debt is what to target first, but if you have other debt (car loans, student loans) with interest rates lower than 7%, you want to invest while you're paying that debt down. By not investing, you're losing out on a lot of time where that money could be growing.

Keep all your money in savings: if you're keeping all of your money in a regular savings account, you're earning barely close to nothing in interest! Keep your emergency fund and short-mid-term savings goals in a high yield savings account, and invest the rest.

Don't spend on 'fun' while you're paying debt: if you haven't let go of this one already, you're overdue. You're not a robot. It's okay - and necessary - to spend on what brings you joy in this hard life.

Save at least 6 months of emergency funds before saving for anything else: this is the gold standard, but for many, it's so far out of reach and intimidating that we just ignore it. You want to consider what you'd need to live if you lost your job tomorrow, taking into consideration how quickly you could get another job, what vour complicating factors are (do you own a home or have kids) and if you have other safety buffers in place (like, could you move in with family if needed).

You should start a side hustle or get a second job to get ahead: can we all collectively agree that hustle culture is over? If you want to work more to increase your income, getting another job or side hustle may be for you. Switching jobs or negotiating a raise are also ways to increase income without working more.

Renting is throwing money away: situations differ, yes, but renting is paying for a roof over your head, in addition to the lack of responsibility when something happens, and the freedom to move around. There's a lot of renter shame out there and it's time to get that s**t go.

Which other money "rules" are you ditching?

Who is ready to be the boss of their own money?🫡-------
03/08/2023

Who is ready to be the boss of their own money?🫡
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Address

110 Main Road
Montville, NJ
07045

Telephone

+18889603988

Website

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