Have you ever wondered how smart are you managing your finances? I mean, how wisely you spend and invest the money you have worked so hard to earn. I have, and I’m sure many of you have thought about it too.

Although this might seem like a rhetorical question, so it happens that there are ways to quantify your financial intelligence, your Bills IQ. Actually, I didn’t mention Bills IQ by chance. This is the name of one of the best online financial assessment tools I’ve ever found on the Internet.

At its most basic level, it is a quiz where the questions ask you how you save, spend, and use credit in order to establish how well you manage your finances and if you don’t, whether you’d benefit from Debt consolidation. The test was fast and easy. At then end of the survey I was given a BillsIQ score of 91%… an A!!! I think that’s good. It gave an option to compare to other people my age, same income and education. The average score was 86% so I’m ahead of the curve and, so far, I don’t need any Debt help.

At its core, Bills IQ is a Credit counseling firm that leads you to obtain Debt relief and is a good way to work out credit problems if you have them.

One thing I learned while browsing the site is that I should pay off credit cards that have the highest interest rates first. I don’t really have much credit card debt, as it is paid off monthly for the most part but this tip would really help my brother who’s always buying a lot of stuff using his many credit cards, and is always accumulating Credit card debt.

I think the best advice I got was to have a life plan. Retirement comes fast and I want to be able to enjoy that time of my life. I would love to travel all over the world and not worry about money.

I think I’m going to work on some things to make that more possible. I have seen people who do it both ways… just wait and see what happens and those who plan ahead. I want to be a planner. I know all things come from God, but I also think being a good caretaker of our money is important.

If you want to lead a happy life in future, I’m sure you’re aware that you need to start saving money, be it for when you retire or for times when you need some extra money (you want to make a large purchase, change your car, make a trip, etc.)

It takes a large sense of self-control to save money. You have to restrict yourself from buying this you don’t really need, avoid making large disbursements, increasing your Credit card debt and son on. On a smaller scale, you may also make an effort to save on utility bills, such as water, electricity, etc.

All these activities must be started early and continued through time. It is very difficult to restrict your spending suddenly, when you need some Debt relief. The real secret is to be wise when managing debt and when paying your bills and when possible Consolidate debt, as it is a sure path to lower your total debt and therefore making it easier to come out of it.

Of course, this sounds easier said than done and it’s always a good idea to have a third party, who’s not biased in their judgement to provide Credit counseling and guide you out of your financial storms. One such third party is Bills.com, a credit counseling company that provides a free financial check-up that allows your to know how good your financial standing is, i.e. your Bills IQ.

Basically, it is a series of questions, arranged in several categories, in which you provide a picture of your current financial situation and most importantly, how well you manage your bills and money.

If you’re buried in debt or you need some help, Bills.com also gives Debt help to achieve debt freedom by achieving Debt consolidation, knowing which bills to pay off first and things like that, so that you never have to file for Bankruptcy thereby destroying your credit score for many years to come. Their services provde many kinds of alternatives to get out of your debt and achieve what you wanted in the first place: to lead a happy life.

The revolution generated by online markets has generated new opportunities to access things, such Car Loans, right from your desktop, making it much more accessible to people from very dissimilar places and financial statuses.

A relatively new player, Basic Car Loans provides such an online service for their customers to get easy loans through the Internet and get their dream car. Their services include loans for those who are hindered by a bad credit report. making it very attractive to them.

The service is pretty quick and easy to follow, whitt he interest rates are reasonable for a loan of this kind. Although no reports of ill behaviour has been reported so far, you should always read all their terms and conditions, so that you always know what to expect. It’s just about being informed. The service is available to almost every states across the country, so if you live in the US and are looking towards buyinh a new car, Basic Car Loans may be your ticket.  Your car is just a click away.

In these days of online stores, online banking and online everything, There are a lot of online Personal Loan companies that that say the will help you get your Pay Day Loans application completed as soon as possible. Sadly, this not always the case and you have to be very careful before signing up for these loans and steer clear of those that ask for too hight interest rates or they have dubious intentions.

Once you find a reliable Personal Loan company, and because the Internet allows easy access to information and communication, you can start your loan application and finish all of the required steps online rather than going to the bank, waiting in line and filling out a zillion forms (which could be a hassle and take up quite a bit of your time, time that you most likely don’t have).

Such is the case of completeloansource.com, which does not only offer hassle-free personal loans but also has a line of Bad Credit Loans, ready to be used by those who happen to have a bad credit score. This last type of loans are not common, and the terms are very advantageous to those who happen to be in a bad credit situation and most importantly, the terms are reasonable and don’t end up burying you under more debt.

Continuing with my series of debt consolidation and debt relief tips, this time, I bring you a new site. It’s called NetDebt and it’s a very nice resource for those having debt problems and for those seeking some insight on how to best pay off debt and with minimum cost.

The website contains videos in almost all its pages, explaining in plain English how to best achieve debt settlement and how to save the most money while breaking free from debt in the shortest time possible. One of the parts I liked the most is the FAQ Debt Relief where you can find videos explaining the most common questions about debt and debt relief, from “why you should avoid bankruptcy” to “What does debt settlement mean?” and many other useful answers, so be sure to give this a look.

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