Who am I? I am Zendi from India, working as a freelance writer for the past two years. I have been writing articles in English for quite a few years now. I even have my blog where I keep sharpening my writing skills. Even I have written various articles for ezinearticles.com,4 in dianwoman.com and Helium. Please let me know if you have requirements. I adhere to the time deadlines so you will never have to face embarrassment for late submission of articles. I can write good and informational articles on the following topics:- --Health, fitness and beauty --Home and family --Self improvement --Women's issue --Internet Marketing --Parenting --Society --Real Estate --Finance And lots of web stuff My skills include writing articles, rewriting articles, reviews writing and blog posting. have worked with different clients and have fulfilled their needs and requirement of writing fresh as well as rewritten articles, with full dedication and hard work. Rates $3.5- 500 words $2.8- 400 words $2.2- 300 words Rewriting rates $2.6- 500 words Details we need: DP User Name: Topic: No. of articles: Word count: keywords: email id: My Mail Id :- Below are few samples :- Article #1 Get rid of credit card debt carefully A large number of people in the US get caught in credit card debt traps at one point or the other in life. Credit card debt is serious thing as the hefty interest rate plus the installment amount keeps on mounting beyond expectations more often. Are you one of those trapped in the horrific credit card debt? In case you are, then read the guidelines below to get rid of credit card debt carefully. Even if you do not have such problem, you can suggest these tips to the needy. These practical tips can allow those affected with credit card debt to gain freedom from it fairly systematically. Let us list the guidelines first and later discuss them point wise: 1. Halt your spending spree 2. Use Cash, not Credit Card 3. Prepare budget plan 1. Halt your spending spree The first and most important thing to get rid of credit card debt is to the use of this ‘plastic money’. When you are already under debt, why create more financial burden and allow it to multiply? You need to put a strong break to your spending spree. Make only essential purchases and make payment by cash only. When you do this, you will automatically stop from incurring heavy or ‘wasteful’ expenditure. Also, this kind of ‘saving’ can be utilized for clearing off the debt. 2. Use Cash, not Credit Card Follow this simple rule and see how it works wonders. When you use your hard earned cash, you can always get a feeling of using it sensibly and prudently. However, the use of credit is often tempting and you end up spending more than necessary at that point of time. Credit card companies mostly offer you huge and unbelievable credit limit and you seem to remember only that amount while suing the card. However, when you get the statement in the following month, you are shocked to see the monthly installment plus the huge interest amount. At this moment, you realize it was better to pay cash rather than pay heavy amount to the credit card company. Not a single card-holder would ever be happy to shell such huge interest amount to a bank. 3. Prepare a budget plan An important step to get rid of credit card debt carefully is to create a budget plan for every month. Make a chart in your computer in an excel sheet about your compulsory monthly expenses. The headers can include transport, grocery, education fees, emergency amount etc. When this plan is ready, do not deviate from it for the entire month. This would allow you to save a sizeable amount that can be safely used to discard the credit card debt. Article #2 Realistic steps to eliminate credit card debt Getting more prudent and practical is the best way to handle the important issue of credit card debt. It is only when you decide to use your credit card judiciously and sensibly that you will be able to save money and clear the debt faster. Remember that no credit cardholder is ever happy to pay the installment with a heavy interest to the credit card company. So be practical and find out a pragmatic answer to the debt problem. What can you do to eliminate the credit card debt faster? Here are some practical guidelines: 1. There are some companies who have floated debt removal programs. Try to contact them and get reliable information. These companies offer you loans at a lower rate of interest to clear off the outstanding amount on your credit card. In other words, these companies would provide you with a big amount that will allow you to clear your credit card debt and recover it in smaller installments with low interest. However, you need to work the economics or calculations very meticulously so that you don’t end up paying heft amount to both the companies. 2. One of the best ways to get rid of credit card debt is to set a deadline. You can do so by having a detailed discussion with the credit card company. For example, your loan payment period is of 10 years. You can opt for plan in which the period can be reduced to 5 or 6 years by paying a slightly higher monthly installment. This way you can save on the interest amount of few years and the credit card debt will be finished off early. 3. Select a flexible payment plan from your credit card company. Quite often, you will face a financial problem and you may not be able to the monthly loan installment. As a result, the interest amount charged by the company to you would go up due to default in payment. In such a scenario, go in for flexible payment plan wherein the company does not charge you heavy interest. 4. Your credit rating is an important factor and you need to be very careful about it. Some of the debt settlement processes have an effect on your credit rating. In case there are any adverse remarks that reduce your FICO score, take strong efforts to regain your credit rating. When you follow these realistic guidelines, you can fairly get rid of the credit card debt.