COVIDDebtConsolidation.com Offers Credit Card Relief

COVID Debt Consolidation

Credit cards are beneficial assets when used effectively. They can cover the cost of things you don’t have money for upfront, improve your credit score, and give you perks like cashback. Not to mention, they’re a convenient method of payment. However, when you start falling behind on your account, rack up the balance, or acquire more cards than you can afford, it becomes a problem. 

Falling Behind In Current Times

There are several reasons why a person might find themselves in over their heads in credit card debt. This is particularly true in the middle of a pandemic. You or someone in your home loses their job. You run out of money to pay for things you need. You start relying on credit cards to tide you over. Although you may find a new job or source of income, things have gotten out of control. 

The balances high or maxed out, late fees are added, then the interest rates kill you. You try to keep up with the minimum payments, but it’s not enough to resolve the matter. Before long, your credit score declines, the creditors won’t stop calling, and the stress weighs on you. 

Chopping Away The Debt

The impact of high debts and ruined credit in your financial life is heavy. Fortunately, there are several ways you can get back on track and get your debt under control. 

  • Side Gigs – one of the first options is to get a side gig or second job. You can become a rideshare driver, deliver food and groceries, or cut grass in your neighborhood for extra cash. You can dedicate this money to your credit cards to get them out of the red faster. 
  • Sell Things – Are there items lying around your house that you don’t want or need? If so, you could make a decent amount of money to go towards your credit card debt. You can host a yard sale if you live in a high-traffic area. Another option is to place ads in online classifieds. If you have big-ticket items like used cars, jewelry, computers, or smartphones, you should look for specialized buyers as they are often willing to pay more for your old things. 
  • Negotiate – Most cardholders are surprised to learn how willing their creditors are to work something out. If you were a good customer before the pandemic, they don’t want to lose you. They could reduce your monthly payment or interest rates. If your balance is high or the account is in collections, they may be willing to accept a smaller settlement. 

COVID Debt Consolidation 

Each of the above methods for chopping down debt can help consumers get out of debt faster. Another effective solution is to work with companies like COVID Debt Consolidation. They are a financial service that offers debt consolidation loans to consumers in need of assistance. Interested parties reach out to the agency and provide details on their outstanding high-interest credit cards. A financial expert then reviews this information along with other determining factors to assess if and how much you can get approved for. If approved, the credit card balances are paid in full, and the consumers’ obligation is to the debt consolidation loan company. 

As long as the debt consolidation loan is paid promptly, consumers reap the benefits. They notice that old credit card accounts are closed, so no more late payments are reported. Over time, the debt to income ratio decreases, and positive payment history help to raise the credit score. They also have the comfort of knowing their debt is under control which is mentally and physically soothing. 

Sure, there are many reasons a person could end up with thousands of dollars in credit card debt. However, when it’s something as uncontrollable as a global health crisis, it can be difficult to get out of. Fortunately, solutions like debt consolidation loans help those in need get back on their feet. 

Using My Stimulus To Invest While Keeping My Debt And Finances Under Control

Brice Capital

Over the past year, I’ve thought a lot about investing in the stock market to increase my overall wealth. Hearing stories about individuals who hit it big with GameStop, AMC and cryptocurrencies only heightened my interest in getting started. I could only imagine how exciting it would be to see my hard-earned money multiply without me having to lift a finger. I could use this money to set myself and my family up for life. 

One of the biggest issues is finding the money to invest. Things are tight for me financially, and taking even a few bucks from my budget could throw things off course. Not to mention, I’ve got a ton of debt that needs to be paid off. With the stimulus checks being distributed, I figured I could use those funds to start investing. I just needed to make sure that my finances would stay intact. Here’s a look at what I came up with. 

Age-Old Credit Card Debt

Most of the debt I was carrying came from credit cards. I was young and uninformed when I started applying for credit cards. I was able to get a few of them with high limits. Not paying attention to the interest rates, due dates, or anything else, I swiped whenever I could. Now, five years later, I’ve got a bunch of debt and nothing much to show for it. I started paying the minimum, but my efforts paled in comparison to the damage I’d done. If I was ever going to get my finances under control, I had to do something about these credit cards. 

Debt Consolidation

There are several ways to pay off your credit cards, but debt consolidation is what stuck out for me. A company by the name of Brice Capital helped me to make an informed decision. They’re a group of financial advisors that offer debt consolidation loans for high-interest credit cards. It was essentially a way to restructure my debt to make it more manageable. 

I could accept a loan offer from Brice Capital that would cover the balance of my credit cards. Their loan had lower interest rates and was more affordable, so I’d be saving a lot of money along the way. Not to mention, once the credit cards were paid off, I wouldn’t have to worry about late fees or poor credit ratings. My job was to ensure that I paid the loan off in installments. 

Financial Management

Realizing that credit card debt was only part of the problem, I also developed some positive financial management habits to keep things in order. I used an application to create a budget, set reminders to ensure I paid my bills on time, eliminated unnecessary spending, and set up an automatic savings plan to create an emergency fund. Developing these financial habits helped ensure that I could cover all of my expenses, maximize my savings, and keep my debt under control. Believe it or not, I even found more money to dedicate to investing in the stock market. 

Guilt-Free Investing

Investing in the stock market when your finances are out of order, and your debt is through the roof seems counterproductive. No matter how much money you generate, you still owe it to someone else. That’s why I wanted to get things to a more manageable state before I started dabbling in the stock market. 

For me, consolidating my credit card debt with a loan from Brice Capital and developing healthy financial habits worked. It relieved a lot of financial stress, helped me to maximize my income, and get my debt under control. By the time the stimulus check arrived, I was able to start looking for the best stock or cryptocurrency to invest in. While I’m not expecting to strike big overnight, it feels good to know that I’ve made a positive investment in my future. 

How to Achieve a More Sustainable Lifestyle in 2021

New Year, New You!

One of the most significant issues facing the modern world is the destruction of nature. An excessive amount of animals are endangered and becoming extinct. Besides this, climate change is harming coral reefs, forests, animals, and people. The good news is that everyone can aid in saving the planet by achieving a more sustainable lifestyle.

Go Paperless with Personal Finances

Many aspects of personal finance, like getting your taxes done in person and by mail, often require lots of paperwork. You can avoid wasting paper when you find tax prep services online. Your actions will help save many trees from being cut down to make paper. Other ways to go paperless with your finances include paying bills online, signing up for electronic statements, digitalizing documents, and more.

Reduce Plastic Use

Consequently, plastic is littering oceans, killing sea life, choking animals to death, filling landfills to the brim, and more. You can begin eliminating plastic from your lifestyle by using eco-friendly items such as a stainless steel water bottle, biodegradable garden pots, reusable produce bags, and others. Next time you purchase a product, consider how your actions can impact the environment and people.

Avoid Eating Meat and Dairy

Eating less meat and dairy can improve your health and wellbeing and help save the environment. You’ll be lowering greenhouse gas emissions and saving forests from deforestation, among other things. Besides this, you can protect countless animals from suffering on factory farms. Consider the benefits of changing to a vegetarian or vegan diet for yourself and the planet.

Take Care of Nature

Being grateful for nature by taking care of it ensures it will still be here for future generations to enjoy. You can plant a native garden that gives birds, bees, butterflies, and other creatures a place to live, food to eat, and somewhere to hide from predators. In addition to this, native gardens help the ecosystem thrive and add natural beauty to your home.

Use Eco-Friendly Cleaning Products

The chemicals in cleaning products can harm your and your family’s health and that of any pets you may have. You can protect your household by using greener cleaning products whenever possible. You can buy these online or locally, or consider making your own to save money. Eco-friendly cleaning ingredients include vinegar, essential oils, hydrogen peroxide, and others. Learn how to mix ingredients safely by doing your own research.

Make Smarter Fashion Choices

Instead of buying new clothes, you can shop at secondhand stores or rent clothing. This allows you to reduce waste, be kind to the environment and save money. In addition to this, buying clothes made from fur, leather, or other animal products has serious consequences. One reason for this is animals are taken out of their natural environments and killed, which throws the ecosystem off-balance.

Commit to Recycle

Recycling paper, plastic, electronics, and other items helps to conserve the environment and reduces waste. You can encourage your family to recycle by having separate bins for paper, plastic, and metal. Teaching them the value of responsible recycling can help them appreciate the environment and feel better about themselves.

Everyone must take positive steps to save our planet. You can begin by making small changes and build up to larger ones. You can also inspire others to protect nature by changing your habits and being a good role model. Make sure to spread the word to everyone you know, because we only have one planet.

Saving and Making Money with Sustainable Products

Green is a symbol of sustainability

With so many diverse sustainable products, there are many ways to utilize their ability to your advantage. Not only can you use sustainable and eco-friendly products to make and save money, you will also have the peace of mind that you are doing the right thing. There are plenty of ways to do better for yourself while thinking about the world at large. You can start a business or use green products to save money on your day-to-day. Read on to find ways you can use sustainable products to improve your life.

The Business of Bamboo

If you are looking for a way to make money doing something new, you can think about diving into the bamboo business. Bamboo is a very sustainable and lucrative cash crop. You can either cultivate your own bamboo with a small piece of land or buy bamboo to create products. You can even use your backyard and get started for about $800. With just about a quarter acre of space, you can make up to $72,000 and cultivate 2400 containers of bamboo.

You can also sell and use this bamboo to make sustainable products. It is an extremely profitable resource that offers a lucrative business. Cultivating bamboo is cheap and quick, it can be harvested in about a year at the fastest. It also requires no chemicals and is good for the soil, allowing you to grow more bamboo and other cash crops.

Bamboo Products

You may not be interested in cultivating bamboo or starting a business. Bamboo can be used to save money as well as make it. When you use bamboo, you are getting a sturdy product that is sustainable as well as good for you, your pocket, and the world. These products range a lot. You should take a look at all the products available to you, from bamboo paper to toothbrushes and more.

Bamboo paper alternatives are not just stronger than the average hardwood paper products, they can be washed and reused. This will decrease your shopping bills and use less paper. This means more trees will take in carbon dioxide from our emissions and convert them to oxygen for us to breathe. Paper products are used in nearly every household, you can save money by using sturdy, durable, and reusable bamboo paper.

Another bamboo product is the bamboo toothbrush. The vast majority of toothbrushes are made with plastic, which cannot be broken down. Bamboo products are not just environmentally friendly, they are long-lasting. A bamboo toothbrush can last for a long time, it is an alternative that doesn’t even cost more than your average toothbrush. It is cheap, durable, and sustainable.

Bamboo trees

Eco-Friendly Dental Care

Toothpaste tablets are a sustainable alternative to regular toothpaste. These tablets are good for travel and you never waste toothpaste because you use every single one. Simply pop it into your mouth and brush with water. It will foam up and become toothpaste like you are used to. This alternative is made with nine all-natural ingredients. Flavored with mint and fluoride for deep cleaning, you won’t lose out on any hygiene. It is possible to keep your teeth, gums, and mouth clean while supporting a sustainable and cruelty-free product.

Non-toxic dental floss is another area that you can choose sustainable dental products. Most floss has harmful chemicals that can cause cancer. It goes without saying that the cheaper alternative is not to get cancer from toxic chemicals. While non-toxic floss isn’t necessarily cheaper, it isn’t more expensive either. It does well for the world while doing well for your body. There is no need to choose a toxic product. You can choose the sustainable option.

The above information is just the beginning when it comes to saving and making money with sustainable products. Eco-friendly alternatives are the future and there is no reason to resist change. If you embrace it, you could end up saving or making a lot of money. When you change your mindset, you can have a more holistic and sustainable outlook that’s good for the world, your body, and your wallet. It is no coincidence that the economics are turning towards green products and businesses. If you get in on the ground floor, you could be saving and making more money than others who are late to the party. 

Guide to Using Sustainable Dental Products

Bamboo toothbrushes

Most mouth and teeth products use a lot of inorganic ingredients that are not the best for you or the planet. A lot of people complain about organic dental products. They say these products don’t do their job and that they aren’t as effective as the chemical-based products. This doesn’t have to be true. There are so many sustainable teeth products that are very effective and good for the world. You can take advantage of the many options that are good for your dental care and the environment.

Bamboo Toothbrushes

A bamboo toothbrush is a good place to start when it comes to sustainable products for your teeth, gums, and mouth. Not only are these toothbrushes more sturdy than plastic ones, they are much more eco-friendly. Bamboo is a product that is not wasteful. It is good for the soil and can be harvested very quickly without chemicals. It is one of the best cash crops for the environment and it also happens to a very strong and durable natural resource.

You don’t need to compromise when it comes to your bathroom routine. Choosing a bamboo toothbrush is the right thing to do for your wallet and the world around you. Not only does it make only a positive difference, you will be helping reduce the spread of plastic that doesn’t break down.

Organic Toothpaste

When people bring up organic toothpaste, they scoff and say the same things. “It doesn’t work,” or “my breath still stinks.” You should know by now that flossing is even more important than brushing. If you are flossing and brushing daily, organic toothpaste will not obstruct your dental hygiene. You can actually do better for your teeth, gums, and mouth with organic toothpaste. Chemicals aren’t good for the inside of your body, and cheap toothpaste isn’t exactly good for your dental care anyways. When you invest in the right organic toothpaste, your mouth can be healthier and you can avoid putting harmful chemicals into your mouth.

Toothpaste Tablets

You may or may not have heard of toothpaste tablets. These tablets are the perfect addition to your teeth brushing routine. Toothpaste tablets are made with vegan, all-natural ingredients that include mint. Fluoride is also added for deep cleaning. With toothpaste tablets, you don’t have to worry about not getting the proper dental care. They ensure that soft spots and tooth decay are kept in check. All you do is put the tablet in your mouth, it becomes foam for you to brush with your toothbrush. These tablets are perfect for travel and provide an effective way to use vegan and all-natural toothpaste.

Eco-Friendly Dental Floss

Another product that you can add to your repertoire of sustainable dental care items is non-toxic, eco-friendly dental floss. Most dental floss brands have toxic chemicals in them that you shouldn’t be putting in your body. Most don’t have a list of ingredients, which is problematic for a lot of reasons. Odds are if they don’t include a list, they are likely hiding something. Usually what they are hiding is PFAs (per- and polyfluoroalkyl chemicals), which have strong chemical bonds. This makes it useful when it comes to repelling water and oil at high temperatures, but the thing is that they don’t break down in the human body. These chemicals are also associated with cancer. Luckily you can find non-toxic dental floss that doesn’t have these chemicals. Simply look into the brands that say they don’t include PFAs.

Whatever you think about dental hygiene, there is no reason you have to keep using unsustainable dental products. Not only are they body for you, even being a cause of cancer, they are also bad for the world. Plastic and harmful chemicals are never good for the environment and they aren’t good for your body either.

Choose the sustainable, natural products and you won’t just be doing well for yourself, you will be doing better for the world around you. Not only is it possible to keep your dental hygiene up with organic products, you can have the peace of mind that what you are purchasing and putting into your body is sustainable and non-toxic. Make the transition to sustainable products today. 

6 Things to do During the COVID-19 Lockdown to Keep You Sane

Girl during COVID-19 lockdown looking out of her apartment window

Being bored at home due to COVID-19 lockdowns has become a pretty common thing. Many people work with counselors online, do online therapy for depression, and have even found the answer to the question “what is TMS for depression?” and taken steps to treat theirs with this method. 

However, any therapist will tell you that staying busy is key to fighting the COVID-19 depression that has affected millions of lives since lockdowns began. If you’re struggling to find something to keep you sane, less depressed, and a whole lot less bored during this time, read on below for a few things to do during the pandemic lockdown. 

Start Working Out/Exercise

One productive way to stay busy during lockdown is by exercising or starting a new workout routine. Remember, you don’t have to be outdoors to exercise, though if you can get out on your back porch or into the yard to get some air, that is a good idea. Start small with working out because you don’t want to overdo it, pull a muscle, and end up at the doctor during a time when no one wants to be out and about if they don’t have to be. 

Finish Your Christmas Shopping

Christmas is right around the corner, so if you haven’t finished your Christmas shopping, during a lockdown is the perfect time to plant yourself in a chair, grab the computer and get it done. The best thing about online Christmas shopping is you never have to leave your house, you can do it all from the comfort of your armchair, no masks or social distancing needed. 

Learn a New Language 

If you’ve always wanted to learn a new language, now is the time to do it. From a wide selection of YouTube videos to being able to sign up for classes online, if you want to learn a new language, then this is the time to do it–when you’re locked in and have nothing else to do. 

Set Some Goals

Most people set out to set goals at the end of the current year, so they’ll be ready to hit the ground running when January 1st rolls around. Whether you’re setting business or personal goals, why not get a jump on goal setting while you’re in lockdown? 2020 has been rough on everyone, so why not make goals to help 2021 be a year of recovery and even better for yourself and your family? 

Take an Online Course

Whether you’re looking to further yourself at work once the lockdown is lifted, or if you’ve had a hobby that you want to learn more about, taking an online course is a productive use of your time during the lockdown. It can also be fun to learn something that you’ve been wanting to learn but never had the time for before the arrival of the COVID-19 virus. Whether it’s signing up for business courses or signing up for courses to improve your writing, you won’t be bored and you’ll get something out of it in the long run. 

Write a Novel

Speaking of writing classes, if you’ve always loved to write, and have had the idea in your head for a book for many years now, this is the perfect time to get those words down on paper. It’s much easier to get published in today’s modern world, so what have you got to lose? 

These are just a few of the best activities you can participate in when you’re bored during the COVID-19 lockdowns. Remember, this too will pass, so why not make the best of being home while you can? 

Best Ways to Exercise During The Pandemic

Lifting weights, a form of indoor exercise

Exercise should be an important element in everyone’s life. From young children to old adults, exercise is extremely beneficial. Young children need exercise to get their energy out. They may not necessarily be able to participate in a structured form of physical activity but they are able to get it in other ways. Simply running around and playing games can use up some of their pent up energy. Children can also participate in sports as they reach the required age. Sports and exercise have been proven to have so many benefits for kids like mental health, focus/drive and camaraderie. These benefits carry on through adulthood. Adults typically use exercise to remain healthy. It allows them to take care of their physical health as well as their mental health. Some can use products from Hempire direct for physical and mental wellness but some need physical activity to be their best self.

The problem that many of us face now is that the pandemic may have affected our normal exercise routines. Many gyms and training boutiques are being forced to close out of precautions to avoid the spread of the virus. If your gym or training facility is closed, how can you go about exercising? Here are some ways we explored to allow you to get your physical activity in during quarantine.

At Home

Just like everything else, it can be done at home!! Obviously there are typical ways available like videos or home gyms. You can find exercise routines on youtube and various streaming services. Some you may find are free or you may be required to purchase a program. Many gyms and trainers who are now forced to be out of work are now offering virtual classes via zoom or possibly facebook live. You may find this new form of structured classes helpful because you can fit it in your schedule in the comfort of your own home. The best part of many of these virtual options is that no equipment is needed. Exercises like sit ups, planks, pushups, lunges, dips and squats are highly effective and require no equipment. Things like yoga, dance, pilates, barre, boxing and aerobics are available online. You can find what suits you best!

Home gym equipment sales have also gone up during the pandemic. At home spin bikes, treadmills, weight systems, etc. sales are through the roof with long weight times for delivery. Even if gyms around you are open, you can get your exercise in with your favorite equipment safely at home. 

Jogging, a form of outdoor exercise

Outdoors

These times have also forced many to get creative. Beyond the gym and at home programs and equipment, the outdoors has so many possibilities for someone looking to exercise. Many gyms are offering outdoor classes when the weather permits. This allows people to still get their structured classes in a safe and covid compliant manner. Beyond that, there are many activities that are available outdoors that offer great physical benefits. Things such as walking, hiking, running, biking, skating can be done easily and safely. There are apps that you can download that help you find local parks and hiking trails to explore to walk, run or bike. Exploring new areas near your home could be a benefit and allow you to see places you didn’t know existed. You can put on your headphones and enjoy new music, a book or even your favorite podcast.

There are also many outdoor sports that can be done outside and safely during these times. Basketball, soccer, baseball, field hockey and lacrosse are all sports that can be done in your own yard or at a park to get your energy out. 

As you can tell, these activities are all family friendly. When you can encounter activities that get the whole family involved it is more likely that they can be done. It is always a positive thing when you can do something that promotes family time and also mental and physical wellness. This allows you to pass the time during this difficult time of quarantine in a healthy and economical way as well. Because we are now given this gift of time it allows you to pick up a new hobby, to learn a new sport or activity. As mentioned previously, if you are out walking, running or biking you can listen to new books and podcasts to learn!

Quarantine is a time to try and make lemonade out of lemons. Hopefully with these ideas you can get out there and exercise during this difficult time.