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Zbieranie wszystkich pieniędzy, które robisz, było zabawne, prawda? To może nie być. Pamiętasz wszystkie rachunki, które sortujesz w swoim miejscu pracy? Teraz, gdy znajdują się w jednym schludnym, małym miejscu, łatwo będzie wymienić wszystkie długi, które jesteś winien. Wyciągnij najnowsze rachunki lub przekopiuj się do oddzielnego folderu w wiadomości e-mail. Wymień je wszystkie jeden po drugim.

zatrzymaj dług!

Jeśli posiadasz saldo zwrotu z narzędzia, wymień je. Saldo na Twojej karcie kredytowej? Wymień to. Pożyczki studenckie? Wymień to. Pożyczasz od sąsiada filiżankę cukru? Wymień to. Dostajesz obraz.

Kiedy wszystko zostanie już otwarte i gotowe do rozwiązania, zrobiłeś pierwszy krok w radzeniu sobie z tym.

Przeciętne gospodarstwo domowe (nie osoba!) Zawdzięcza dług w wysokości około 90 000 USD, w tym kredyty hipoteczne, kredyty studenckie, karty kredytowe, całość. To średnio, więc dla każdego gospodarstwa domowego bez zerowych zobowiązań, jest gospodarstwo domowe, które zawdzięcza 180 000 dolarów. Yikes! Starając się zbliżyć do domowego obowiązku zerowego, spójrz na to, co jesteś winien i zobacz, co możesz zrobić.

Jeśli masz kilka niewielkich rachunków kart kredytowych, które można natychmiast spłacić na rachunku bankowym, zrób to. Każde zniesienie zadłużenia daje natychmiastowy zwrot z inwestycji w kwotę odsetek, których nie musisz już płacić.

Jeśli masz dużo długów, takich jak więcej niż rok rocznie... to już inna historia. Na razie wykonałeś świetną robotę, robiąc pierwszy krok. Zrelaksować się.

Tally Up Your Debts

FAQ - 💬

❓ How does tally get you out of debt?

👉 Users can link all of their credit cards through the service and then Tally pays off more than the monthly minimum payment on each of the cards. If the value of your Tally revolving line of credit exceeds your debt, Tally will make your monthly payments higher, so you're paying off more than the minimum on your cards.

❓ Does tally help your credit score?

👉 Your credit score could get hurt if you select You Pay rather than Tally Pays and you fail to make an on-time monthly payment to the card issuer. Ultimately, your credit score could improve using Tally if you pay down credit card balances and reduce your credit utilization rate.

❓ Who consolidates debt?

👉 Banks, credit unions, and installment loan lenders may offer debt consolidation loans. These loans convert many of your debts into one loan payment, simplifying how many payments you have to make. These offers also might be for lower interest rates than what you're currently paying.

❓ Is tally a legit company?

👉 The company has been around since 2015, and it's earned plenty of praise from the customers who have used it to manage their credit card debt. Tally has a 4.3 out of 5 rating – excellent – based on more than 550 reviews on Trustpilot, along with a 4.5 out of 5 rating from 17,000 reviews on Apple's App Store.

❓ How long does Tally take to pay?

👉 You pay a single bill—to Tally—each month. Tally dispenses payments to your credit cards based on what will save you the most in the long run when it comes to interest. It will send payments two business days before your card's due date.

❓ Is Tally a one time payment?

👉 How Tally pays off your credit cards. If Tally's credit line is larger than your total credit card debt and has a lower APR: Tally will use the line of credit to pay off the cards, and you'll be left with one monthly payment to Tally. You'll pay interest on only the amount of the line of credit that you use.

❓ Can I pay off Tally early?

👉 Tally requires its own minimum payment, as a card company would. But you can pay as much on top of that as you want, which the company puts toward your highest-rate debt. Tally charges no origination, annual, prepayment, late or over-the-limit fees.

❓ How can I put all my debt into one payment?

👉 A debt consolidation loan is a type of loan that's used to combine all your existing debts into one pot. All you'll need to do is apply for a loan for the amount you owe in existing debt and if approved, you can use the funds to pay off your other borrowing.

❓ Does consolidation affect your credit score?

👉 Debt consolidation — combining multiple debt balances into one new loan — is likely to raise your credit scores over the long term if you use it to pay off debt. But it's possible you'll see a decline in your credit scores at first. That can be OK, as long as you make payments on time and don't rack up more debt.

❓ Does using Tally close your credit cards?

👉 Tally doesn't require you to cancel your credit cards and you may continue carrying balances on some of them anyway until they're paid off. Regardless, you'll still be able to keep using any important benefits your credit cards offer, including perks like travel insurance and extended warranties.

❓ How much will my Tally payment be?

👉 Your Tally minimum payment is typically around 2-3% of your Tally balance. It can go up or down if your linked card balances go up or down. Here's how it's calculated: 1% of your Tally principal balance, plus any minimum payments Tally made to your cards for you, plus your Tally interest, plus any amounts past due.


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