Managing your personal finances online

With the internet, anything is possible now. By searching the right keywords, there are many financial planning calculators available online. The most common is the loan payment calculator. It is used to calculate the monthly repayment when borrowing a huge sum of money. To be more specific, there are home loans calculator and car loans calculators. Then there is Adjustable Rate Mortgage & Fixed Rate Calculator which assists you in comparing rates between adjustable mortgages and fixed mortgages so you will know which option is best for you. The Debt Planning Calculator has multiple functions that are particularly useful for credit cardholders. All you have to do is enter the balance, interest rate, and the minimum payment. From these entries, results will be displayed indicating the minimum amount you’ll be paying every month and the interests you’ll end up paying. Through this calculator, you can also determine the exact time when you’ll be debt free.

MMI (Money Management International) Calculator Service.MMI Calculator Service is a simple tool that you can use to manage your finances. This is an online financial planning calculator that is very user-friendly. This tool helps you record your existing loan payments and determine how long it will take for you to become debt free. The records are usually shown in charts through numeric and graphical representations. MMI also has the feature of providing options for you in case you decide to change your loan term payment amounts. Another similar one is Gross Merit Calculator which helps you reconcile your assets and your debts. If you plan to use this calculator, make sure that you are well aware of your financial status. For retirement planning, there is always Retirement Calculator which helps you estimate your current savings program to prepare you for retirement. All you need to do is enter your basic finance information such as savings and salary earnings. For heavy credit cards user, try learning to select the right credit card by using Credit Card Chooser Tool to determine which card helps you save money, and the other, if it costs you money. With the help of the Credit Card Chooser Tool, you can find out about interest charges and credit card balances. With this, you will know which credit card offers the best credit deal.

Christian debt consolidation loan: live a happy and contended life

Since people do not pay proper attention to their debts and due bills, they feel stressed as their banks and financial service providers start sending them legal notices. In fact, no one likes to be a defaulter, as it badly affects his or her financial as well social reputation. Since timely payment of you bills and debts is the key to develop a good credit history, showing a slipshod attitude towards you debt and due bills can restrict you from attaining available financial services. It is quite true that not only the defaulter but his or her family members also suffers from a mental trauma, as with debts they cannot live a normal and contended life. There are various non profit organizations that help such people and and their families in living a debt free life and provide them with every possible help to consolidate their multiple debts at once. For Christians getting this help is quite easier, as there are many debt consolidation companies that offer this help to Christians only. Such organizations provide every defaulter with personalized consolidation services and arrange Christian debt consolidation loan for them, so that they may settle their debts at ease.

With the help of a Christian debt consolidation loan, a borrower can pay off his or her multiple debts including routine personal bills, credit card bills, personal loans and any other due debt. In order to help such borrowers in getting complete financial freedom, these debt consolidation companies evaluate the financial condition of the borrower. It gives them an clear idea about the required loan amount and helps them in availing a suitable debt consolidation loan. In fact this entire process is carried out in an highly professional environment so that perfect financial statement can be submitted for debt consolidation.