Best Debt Companys

162 Companies 3,884 Real Customer Reviews

Birthday on a Budget: Surprise a Loved One Without Spending Big

Posted By:  |  October 22, 2014  |  0 Comment(s)

Birthday Gift Ideas

Honoring a loved one on their special day provides yet another chance to say, “I love you.” Fortunately, people working toward reducing their debt loads will be able to do something wonderful for their loved one without becoming loaded down with more debt. This article will provide some suggestions to help people make the most of a birthday on a budget.

Try a Classic: Breakfast in Bed

Some folks are used to slaving away in the kitchen to make sure their families are well fed and well nourished. So how about turning the tables, so to speak, and bringing your them breakfast in bed on their special day? Nothing will warm their heart more than being served a hearty breakfast that is prepared and served by someone they love.

Dining Out On the Cheap

Many eateries offer special promotions on for someone with a birthday, which means that you can take out them out without having to pay more than you can actually afford. Call around or check out the Internet for eateries offering discounts and enjoy a meal that will allow them to be served at a great price.

Flowers Are a Girl’s Best Friend

Usually flowers are for women, but there might be some guys out there that like them as well. Who doesn’t love a bouquet of flowers? ;) If you look around, you should be able to find reasonably priced options that will help you surprise your loved one without having to spend big bucks. Another idea, which would be even cheaper than a bouquet, is to buy packs of flower seeds and to set a date to help them plant the flowers in the garden or the yard somewhere. Going this route will allow you to spend some together time, and the flowers in the garden will last a lot longer than the flowers in a bouquet.

A Basket of Goodies That They’ll Actually Use

Dollar stores have come a long way from the days when the shelves were filled with junk….and little else. For a cheap gift that someone is sure to love, go to a dollar store, and buy a small basket and stuff to fill it with. This way, you can find inexpensive skin care products, hair products, makeup, and other things that will make life easier for them. Filling the baskets with sweet treats is another idea. The best thing about going this route is that it definitely won’t break the bank.

Give Them Some “Me Time”

Wellness centers all over the place offer services such as massages, spa treatments, manicures, and pedicures. Look for centers that sell gift certificates, or use Groupon, and buy them some potentially much-needed “me time”. You don’t have to destroy your budget to get the gift certificates; just spend the amount that you can actually afford.

Bake a Cake and Eat It Too

Buying the ingredients for a cake won’t cost much, but a perfectly executed baked delicacy will pack quite the punch. Consider showing them how much their efforts are appreciated by baking them a nice cake that they can enjoy with those they loves most.

Birthdays can be a very special occasion for some individuals. Don’t let your debt hinder you from making it a special occasion. Homemade gifts, that don’t cost much (or anything at all) can be incredibly meaningful and could make someone’s day.

Poll

  • How important is it to you for a debt consolidation company to offer financial education resources?
  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.

Recently Reviewed:

Trending Blog Post:

Want us to review a company?

If there is a debt company that you don't see on our site, and would like us to review, please contact us.

Real Reviews (yes they’re real)

With so many debt relief companies out there, and a lack of sites willing to bring you the HONEST breakdowns of each company, what source can you turn to for the real information you can trust?

We are dedicated to bringing the truth out, and rank debt relief companies as they should be. Through our investigation, and experience with each company, we rank each company, and bring you our honest, unbiased opinion. We also include authentic user reviews by past customers of each company that are moderated and verified.

Like many sites, we are compensated through affiliate relationships with each company we review, however all of our rankings are based on our 11-Point Ranking Criteria.

All reviews are subject to moderation and approval. Any reviews that may resemble false information, or competitors of another company will need to be verified by our staff before being approved and published. We reserve the right to approve or deny any reviews left on this site.