When in debt, or you’re looking to make some extra money on the side, there are endless opportunities when it comes to completing surveys online.  With a lot of these survey sites, you can simply register, answer questions, and get paid for it.  Now, I will tell you that you’re not going to make $10,000 in one month, but you can make $100-$200 a month if you try hard enough.

With hundred of survey based websites on the Internet, it’s hard to pick out which one works best for you.  I looked through a handful of them, and came up with what I thought were the best ones on the Internet today.

IPSOS:  Ipsos has a great set up in where you can earn points, enter raffles to win big ticket items like cars, and more.  It’s free to sign up, and I like this one because you’re able to get more than just points, and prizes.  There are many giveaways, and it’s from a very reputable company in the survey market.

MemoLink:  MemoLink offers a great variety of surveys, and it’s so easy to sign up.  It’s fast, free, and easy to use.  The process is simple in which you earn rewards, cash in your points, and you’ll be able to choose from many items such as gift cards, or you can even exchange it for cash!

Survey4Profit:  Just like MemoLink and the others, this is another great survey site that’s easy to sign up for.  Simply input your information, and you can choose from a ton of surveys depending on where you live, and what demographic you are.  Earn cash, prizes, and more.

Survey Adventure:  This is one that hides under the radar that not a lot of people know about.  Here, you can instantly earn $5 in 5 minutes just for filling out a few things.  The free membership process is extremely easy, and there are a lot of options to choose from here.

Surveys aren’t going to make you rich, but you can make some decent money just by signing up for a few of these sites, and filling out a survey each and every day.  When I was aggressive with it, I was able to make $100-$200 a month.  This isn’t a lot, but I was able to make some good money at it.

When you have bad credit, it doesn’t mean you can’t go out and get a credit report.  As long as you have a social security number, and you live in the United States, you can see what your credit score is, as well as what’s on your credit report.  When it’s time to find a credit report, I want to recommend a few websites that you should check out when you want to get your report.

FreeCreditReport: This is the big one that you see on TV, and hear on the radio.  Yes, you can get a free credit report through this website, but you’ll have to enroll in triple advantage, which you may cancel before 30 days.  Get your free credit report and scores here, and see why they have been a number one choice for over 10 years!

Equifax: Equifax is another big one when you’re looking to get a detailed credit report.  This is usually the company that many turn to when they are looking to get their credit score, since it is usually the one that many creditors use.  Equifax has a lot more than just credit scores though.  You can get management products, credit monitoring, and so much more.

TrueCredit: TrueCredit is one that many haven’t heard of, but I like a lot of the products, and pricing that they have to offer.  Here, you can sign up for a free-trial registration and have access to your credit report.  On top of that, you can get your credit monitored, as well as get your score, and even a debt analysis!

Remember, you don’t have to have great credit to get your credit score, and report.  A lot of these reports and score packages will cost you money, but some are worth it.  Glance over a few packages and websites too see which one fits your needs.

Many of your reading this post right now have probably attended college, and like most students out there, you probably couldn’t afford to pay your tuition in full, and who could at that age?  Unlike many other debts, you’re always required to pay off your student loans from the day it starts.  You’re just not going to get away from them.

So, what happens when you don’t pay off your student loans?  There are a number of consequences that you’re most likely to face, but it’s always good to know them before you decide that you want to ignore your loans.

Your credit score is going to drop

This one is obvious, and when you don’t pay a bill that you owe, your score is going to drop.  What is so important about your credit score?  This is the score that’s going to determine your rate on future home mortgages, auto loans, and more.  With a poor score, you’re going to find that you won’t be able to get the things that you want in life such as those big ticket items.

They won’t go away

Student loans won’t go away, and yes, they are protected in bankruptcy court.  Look at your balance now, because this is what you’re going to pay the rest of your life, so you better find ways on how to pay it.  If you’re having troubles right now paying them back, contact your lender, and see if there’s something that they can do so that you can pay them back again.

Your wages will be garnished

If you’re working a job right now, the lender will have every right to dip into your paycheck, and take what they need for the loan.  They obviously won’t take the whole check, but rather a certain percentage.  Remember that in today’s society, you’re going to need a good credit score in order to get a job.  A good score means more than just getting a decent mortgage.

A student loan is different from your credit cards, and mortgage.  With those, you can default, they take their house back, or they write it off.   A student loan is different because you obtained knowledge, rather than something that’s physical.  If you’re in trouble with a student loan today, I highly recommend you find help.

Getting rid of debt can be easy if you put your heart into it.  As long as you have the money, it’s easy, right?  Well, this isn’t always the case, but let me show you some success stories on how some people have paid their debts off within months, or even years.   I’m not talking about your $2,000 debts, I’m talking about $50,000 and more.

Live on a 1/3 of your salary

It sounds like a low number, but if you’re not living on at least 30% of your salary, you’re not trying hard enough.  If this means selling a car, moving, or getting rid of some luxuries like your iPhone, etc., you’re going to have to budget so that you can throw at least 60% of your money coming in at debts.   This can add up fairly fast if you do it right.

Have motivation to do something

Many people dream of getting out of debt.  If you don’t have the motivation to become debt free, it’s not going to happen.  Do you have a family?  Do you want to take a vacation in the future?  Do you want to live a stress free life?  I could go on and on, but you want to work toward a goal.  Nothing feels better than reaching a goal in life, when it comes to your debts.

Money = paying off debts

It sounds silly, but you need to find ways to make more money.  Whether you have a garage sale, sell things on EBay, deliver pizzas, or whatever you may do, the extra few hundred dollars a month will help you out a lot!  It may not sound like it, but it truly can.  If you’re not making money, you’re not going to pay off your debts, it’s that simple.

Give up the luxuries now!

I already expressed this earlier in a point, but many of you don’t understand this when it comes to debt.  When you’re in the red, you can’t go out there and buy everything under the sun.  Your focus needs to be on debt.  This means get rid of things like gym memberships, cable TV, your fancy car, etc.  When you get rid of these things, make that your goal in order to get them back.  Once you pay off your debts, you can always resubscribe to all of these things.

When attacking your debt, and even looking at debt success stories, you’re going to find that many people follow these tips above.  Try your hardest, pay off your bills, and live below your means.  If you can accomplish this, you can kiss that debt goodbye!

Being in debt is tough, I know, but what makes it worse is when you’re trying to repair your credit.  When you’re trying to deal with the major credit card companies, and credit agencies, you’re going to find that it’s pretty rough to get ahold of the right person to start fighting off your debt that doesn’t belong on your credit report.

What are these letters?

First off, if you’re not familiar with what these letters are.  It’s a letter that you’ll write to the creditors explaining them of the errors on your credit report.  This is best way to dispute errors on your credit report.  Calling, and e-mail simply won’t do in the case.

Where do I even start?

Writing a debt dispute letter is no different than writing a letter to Grandma.  You’re going to want to make sure that you include a few things though, so that the companies know what you’re talking about.

You’ll want to include the following:

• Your name, address, city, state, and zip code.
• The account in question (be detailed)
• The reporting agency name, address, city, state, and zip code.
• Include evidence as well (things like your credit report)

These are the main things that you’re going to include in your letter.  The more evidence you have, the easier it’s going to be to work with you.

In your letter, you’ll want to state that you’re disputing a charge on your report.  If you can, highlight the dispute on a copy of your credit report.  Make sure that you include this with your letter.  Explain why the debt shouldn’t be there.  It’s important that you’re not writing a novel.  Be short, simple, and sweet.  All you want to do here is get your point across.  Also, make sure you never threaten to sue, etc.

What happens after this?

When you mail it, make sure it’s certified, and get a signature confirmation.  This will ensure you that they received it.  Once the receive it, they will investigate your claim, and go from there. 

If all is well, the debt will disappear from your report.  If they need any more questions answered, they will contact you either through the mail, or the phone.  Most of the times, if you have a case to get something removed, they will do it.  If not, keep working hard, and always make sure that you have the evidence to support it.