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Testimonials
“Ideal’s bill manager service is comprehensive yet easy to use and navigate. I have been extremely happy with the bill management solution and would strongly recommend it to any friend or client.” E.M. Brownfield, Texas
“When I called and first talked with Ideal Financial, my husband and I were at the end of our rope and it appeared that bankruptcy was looming in our near future. After several years of trying to stay above the ever-rising tide of bills, late payments and fees, we couldn't seem to get ahead and we really didn't see another option. Ideal could see it differently and for the first time in months we saw hope. We knew it wasn't going to be easy but we wouldn't have to join the throngs of people who used bankruptcy as a way out of debt, we could actually pay our bills, learn from our past mistakes and get ahead and still be alive in the end.” J.H. Lewiston, Utah
Quotes
Your money will always "flow". This means that you will spend some or all of it, you'll never get control of it unless you implement sound financial principles, and most of us believe we have more money than we do.
Do you have money "lying around someplace", or do you spend more than you make?
One way to get a handle on how
your CashFlow has been going is described below:
Your
debt-to-income ratio:
36% or less:
This is a healthy debt load to carry for most people.
37%-42%:
Not bad, but start paring debt now before you get
in real trouble.
43%-49%:
Financial difficulties are probably imminent unless
you take immediate action.
50% or more: Get professional help
to aggressively reduce debt.
Source: Gerri Detweiler, author of The Ultimate Credit Handbook
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