PAYING & PAYING & PAYING

• Stop worrying about all your monthly bills
• Stop dreading the first of the month bills
• Stop worrying about your adjustable rate mortgage going up again
• Stop drowning in debt
• Stop the growing tension about never have enough money
• Stop living from paycheck to paycheck
• Stop needing two jobs just to try and make     ends meet  

     There are times when, for any number of reasons,

we find  ourselves with some hefty balances on more then a few charge cards, a car payment - maybe two

car payments, and a line-of-credit. Maybe feeling like we are buried in bills.

     If you are spending $600, $800 or maybe even $1,100 or more every month, just to keep your credit card payments on time, then it is time to consoildate your bills into one low,   manageable, tax-deductible payment (check with tax advisor).

Lets take a look at several examples:

1. You have a first mortgage of 295,000 at 5.75%

5-year fixed that has 3 years left before it begins to adjust. As we all see from the trends, it- will be a big jump in rate and payment. Your home is valued at $650,000 and your monthly payment (excluding

taxes and insurance) is $1,427.92.

2.You have 3 store cards totalling $6,800 and pay

the minimum of 2% per month, you are paying  $138

a month just to keep the accunts current but you

don't bring down the balances!

3. You have 3 Visa cards with a balance or $9,000

and pay $450 a month4. You are paying $380 per month on a car loan with 40 payments left ($15,200 remaining). Total of $326,000 a month at $2,395.72

On a new 30-year fixed-rate, your consolidated payment could be $2,002.54 a month!

You could get $100,000 for $808.Less then you

now pay per month!

Call for your FREE, no pressure, quote on how low

your payments can go.

Questions?

H.E.L.P.

is a Free 'n' Easy call away.

1-800MyMoney

(1-800-696-6639)

Home Equity Lending Professionals

NO points.  NO junk.

             Chart below shows just how long it takes to pay off a credit card  

             balance based on 19% interest and with a minimum monthly

             payment of 2.0% of the outstanding balance.

Calculate your new mortgage payment.