{"id":16511,"date":"2020-09-17T22:02:40","date_gmt":"2020-09-17T22:02:40","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=16511"},"modified":"2024-09-17T07:09:06","modified_gmt":"2024-09-17T14:09:06","slug":"how-to-reduce-debt-strategy","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/debt-help\/get-out-of-debt\/how-to-reduce-debt-strategy","title":{"rendered":"The 4 Cornerstones of Debt Reduction Strategies & Budgeting"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ background_color=”#e7dff3″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/giving-a-help-hand_hero.jpg” min_height=”550px” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_size_phone=”cover” background_position_tablet=”top_right” background_position_phone=”center_right” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||90px||false|false” custom_padding_tablet=”” custom_padding_phone=”||80px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|600|||||||” text_font_size=”42px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||26px|||” custom_padding=”0px|||||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n

Debt Reduction Strategies<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n

4 ways to bring your debt down.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Intro Paragraph” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” custom_padding=”0px||1px|||” custom_padding_tablet=”||0px||false|false” custom_padding_phone=”||0px||false|false” top_divider_style_last_edited=”off|desktop” bottom_divider_color=”#ffffff” bottom_divider_repeat=”1x” bottom_divider_flip=”horizontal|vertical” bottom_divider_style_tablet=”” bottom_divider_style_phone=”” bottom_divider_style_last_edited=”on|phone” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”100px” bottom_divider_height_last_edited=”on|phone” bottom_divider_flip_tablet=”” bottom_divider_flip_phone=”horizontal” bottom_divider_flip_last_edited=”on|phone” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|desktop” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_dmb_breadcrumbs font_icon=”%%20%%” use_home_icon=”off” use_home_text=”on” show_custom_taxonomy_crumbs=”off” _builder_version=”4.21.0″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” global_module=”6437″ saved_tabs=”all” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”rgba(90,39,178,0.4)”][\/et_pb_dmb_breadcrumbs][et_pb_text admin_label=”H1 Heading” _builder_version=”4.16″ custom_margin=”||0px|||” custom_padding=”||2px|||” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n

The 4 Cornerstones of Debt Reduction Strategies & Budgeting<\/h1>\n

Many people wonder what the best\u00a0debt reduction strategies<\/a>\u00a0and secrets are to get out of debt. While it\u2019s usually easier to spend money than it is to pay off debt, here are the\u00a0four cornerstones\u00a0of tried and true debt reduction tips that will make things easier.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” next_background_color=”#e4f8e0″ _builder_version=”4.16″ _module_preset=”default” custom_margin=”||0px||false|false” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”140px||105px||false|false” custom_padding_tablet=”137px||98px||false|false” custom_padding_phone=”139px||120px||false|false” top_divider_style=”ramp2″ top_divider_color=”#e7dff3″ top_divider_style_last_edited=”off|tablet” bottom_divider_style=”curve2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/reduce-credit-card-debt-by-extra-payments_2colm.jpg” alt=”Credit Card Debt Reduction” title_text=”reduce-credit-card-debt-by-extra-payments” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ custom_padding_tablet=”||0px||false|false” custom_padding_phone=”||4px||false|false” custom_padding_last_edited=”on|phone” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ min_height=”372px” custom_padding=”27px|||||” animation_direction=”top” global_colors_info=”{}”]<\/p>\n

1. Credit Card Debt Reduction<\/h2>\n

Savings, The Last Frontier<\/em><\/p>\n

When wanting to reduce their debts, the last thing most people think about is saving money. However, once you\u2019ve stopped using your credit cards, how will you pay for an expense you forgot to budget for? If you have gone as far as getting a\u00a0debt consolidation loan<\/a>, then budgeting for those forgotten items is even more important. Otherwise, you\u2019ll end up doubling your debt rather than paying it off. If you\u00a0really want to reduce your debt<\/a>\u00a0or begin a\u00a0credit card debt reduction<\/strong>\u00a0plan, start off by making extra payments (even small ones). Be sure not to use your credit card or line of credit until it\u2019s paid off. You may also wish to set some money aside to pay for things that just come up. Get started now with our\u00a0Rapid Debt Reduction Calculator<\/a>,\u00a0speak to one of our Counsellors<\/a>\u00a0or\u00a0chat with us online right now<\/a>.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_padding=”40px||60px||false|false” custom_padding_tablet=”107px||0px||false|false” custom_padding_phone=”91px||66px||false|false” bottom_divider_style=”wave2″ bottom_divider_color=”#ffffff” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ min_height=”501px” custom_padding=”71px|||||” global_colors_info=”{}”]<\/p>\n

2. Debt Reduction Advice<\/h2>\n

What\u2019s Old Is New<\/em><\/p>\n

Before credit cards became available in the 60\u2019s, how did people pay for things? They worked hard, saved and planned their spending based on what they could afford to buy with cash. The best piece of\u00a0debt reduction advice<\/strong>\u00a0is to get back to basics. You know what it feels like to be in debt, so don\u2019t knock something you haven\u2019t tried. The\u00a0old budget<\/a>\u00a0has stood the test of time for a reason \u2013 people know it works.\u00a0<\/p>\n

 <\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/plan-and-save-money_2colm.jpg” alt=”plan and save money” title_text=”plan-and-save-money” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin=”-21px|||||” custom_margin_tablet=”||-67px||false|false” custom_margin_phone=”||-73px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px|||||” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” next_background_color=”#e7dff3″ _builder_version=”4.16″ custom_padding=”65px||100px||false|false” custom_padding_tablet=”55px||172px||false|false” custom_padding_phone=”” bottom_divider_style=”curve2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/avoid-following-the-crowd_2colm.jpg” alt=”Avoid Following the Crowd” title_text=”avoid-following-the-crowd” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.16″ max_height_last_edited=”off|tablet” custom_margin=”||||false|false” custom_margin_tablet=”||25px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding_tablet=”||||false|false” custom_padding_phone=”||17px||false|false” custom_padding_last_edited=”on|tablet” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_2_font_size=”30px” global_colors_info=”{}”]<\/p>\n

3. Debt Solutions<\/h2>\n

Avoid Following the Crowd<\/em><\/p>\n

Your parents were right \u2013 just because everyone is jumping off the bridge, doesn\u2019t mean you have to. Okay, so the bridge is a slight exaggeration, but the river of debt and denial below isn\u2019t. Canadians are spending way more money than they make and have come to believe that debt is normal. Too many people just \u2018charge it\u2019. Just because everyone is doing it, that doesn\u2019t mean it\u2019s a good idea. One of the biggest\u00a0debt solutions<\/a>\u00a0<\/strong>is to just not follow the crowd. Instead, decide what is good for you and your family and stick to it. Financial decision making shouldn\u2019t be a popularity contest.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” _builder_version=”4.16″ background_color=”#e7dff3″ custom_margin=”||0px||false|false” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”2px||60px||false|false” custom_padding_tablet=”28px||89px||false|false” custom_padding_phone=”55px||||false|false” top_divider_height_tablet=”70px” top_divider_height_phone=”40px” top_divider_height_last_edited=”on|phone” bottom_divider_color=”#ffffff” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” custom_padding_last_edited=”on|phone” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” custom_padding=”75px||||false|false” custom_padding_tablet=”82px||14px||false|false” custom_padding_phone=”70px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_2_font_size=”30px” custom_margin=”||-11px|||” custom_padding=”13px|||||” custom_padding_tablet=”30px||||false|false” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

4. Free Debt Counseling Service<\/h2>\n

Break a Bad Habit with a Good Habit<\/em><\/p>\n

The main reason why so many people struggle with their\u00a0budget<\/a>\u00a0is that it isn\u2019t realistic. Either they forget to include things that they know they\u2019re going to spend money on, or they set their budget based on limitations and deprivation by excluding things they really want to spend money on. Be realistic! You need to allow for some of the things that you really want to spend money on. If you spend $100 a week on eating out, before you cut $100 a week out of your budget, learn to cook, buy groceries, organize snacks and plan what else you\u2019ll do when everyone you usually eat out with still heads to the restaurant. Leave $50 a week in your budget to start with, until you\u2019re ready to cut all $100 out. We are creatures of habit, so take it easy on yourself and learn how to replace one habit with another. If you need help with this give our\u00a0free debt counseling service<\/a><\/strong>\u00a0a try and we will help you build a budget that works for you.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/learning-to-cook-to-save-money_2colm.jpg” alt=”learn to cook, buy groceries” title_text=”learning-to-cook-to-save-money” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”||-35px||false|false” custom_margin_phone=”||-19px||false|false” custom_margin_last_edited=”on|phone” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”off|phone” prev_background_color=”#e7dff3″ next_background_color=”#e4f8e0″ _builder_version=”4.16″ _module_preset=”default” background_color=”#ffffff” custom_margin_tablet=”||||false|false” custom_margin_last_edited=”off|tablet” custom_padding=”68px||2px||false|false” custom_padding_tablet=”||2px||false|false” custom_padding_phone=”||1px||false|false” top_divider_style=”wave2″ top_divider_height_tablet=”70px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”wave2″ bottom_divider_flip=”horizontal” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” custom_margin=”70px||100px||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_direction=”left” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/set-money-to-a-side-as-little-as-10_2colm.jpg” alt=”Non-Profit Debt Reduction and Consulting” title_text=”set-money-to-a-side-as-little-as-$10″ align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”575px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”-12px||-5px||false|false” custom_margin_phone=”||-20px||false|false” custom_margin_last_edited=”on|phone” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_direction=”right” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.0″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n

Non-Profit Debt Reduction and Consulting<\/h3>\n

In Conclusion<\/em><\/p>\n

The great news is that there\u2019s no perfect way to make a budget or\u00a0get out of debt<\/a>. Perfect is much too high of a standard and causes most people a lot of stress. Getting started and making good choices most of the time is all that it takes. Set as little as $10 a week aside and pretty soon you\u2019ll have $40 more than you had a month ago. You\u2019ve got nothing to lose, so try these 4 cornerstones out and you\u2019ll see! Let us know how you did, we are a\u00a0non-profit debt reduction and consulting<\/a><\/strong>\u00a0company, and\u00a0we would love to hear from you<\/a>!<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_padding=”75px||70px|||” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_margin=”0px|auto||auto||” custom_padding=”0px||3px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.0″ _module_preset=”default” custom_margin=”||0px|||” custom_padding=”20px||||false|false” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Contact Us For More Information About Debt Reduction<\/h3>\n

Short recap of the top 4 debt relief<\/a> strategies<\/em><\/p>\n

Here again are the\u00a04 cornerstones of debt reduction\u00a0<\/strong>to follow:<\/p>\n

    \n
  1. Re-think saving. You need it to\u00a0balance your budget<\/a>.<\/li>\n
  2. Get back to the\u00a0basics of budgeting<\/a>. You can\u2019t avoid debt without it.<\/li>\n
  3. Bad debt isn\u2019t normal. Learn to use cash rather than relying on credit.<\/li>\n
  4. Spending is based on habits, and bad habits are worth breaking.<\/li>\n<\/ol>\n

    Financial goals might be the furthest thing from your mind right now, so use these 4 cornerstones to get back in control and get more of what you want financially. You\u2019ll be prepared to weather the worst with a plan for the best!<\/p>\n

    You can try getting started now by calling us at\u00a01-888-527-8999<\/a>,\u00a0emailing us<\/a>, or\u00a0chatting with us online.<\/a><\/p>\n

    Related Topic:<\/strong>\u00a0We’ve also created an in-depth article on\u00a0<\/span>How to Reduce Your Debt – Power Tips, Ways, & Methods<\/a><\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”CTA – Back on track” _builder_version=”4.16″ background_color=”rgba(0,0,0,0)” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/02\/AdobeStock_320755361_extra-scaled.jpg” parallax=”on” parallax_method=”off” transform_translate_linked=”off” z_index=”0″ max_width=”100%” custom_padding=”250px||250px||true|false” top_divider_style=”ramp2″ top_divider_color=”#e4f8e0″ top_divider_height=”130px” top_divider_arrangement=”above_content” bottom_divider_style=”ramp2″ bottom_divider_color=”#e7dff3″ bottom_divider_height=”140px” bottom_divider_arrangement=”below_content” bottom_divider_height_tablet=”60px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” background_last_edited=”on|phone” parallax_tablet=”off” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ admin_label=”CTA Components” _builder_version=”4.16″ background_enable_color=”off” z_index=”0″ width=”90%” width_tablet=”100%” width_phone=”” width_last_edited=”on|phone” max_width=”100%” min_height_phone=”auto” min_height_last_edited=”off|phone” custom_margin=”|auto||auto|false|false” custom_margin_tablet=”||30px||false|false” custom_margin_phone=”||-18px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px||0px||false|false” animation_direction=”top” module_alignment_tablet=”center” module_alignment_phone=”” module_alignment_last_edited=”on|tablet” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|phone” transform_translate_tablet=”0px|40px” transform_translate_phone=”” transform_translate_last_edited=”on|tablet” transform_translate_linked_tablet=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|phone” custom_padding=”|||” transform_styles_tablet=”” transform_styles_phone=”” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”44px” text_line_height=”1.2em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|tablet” transform_translate_tablet=”0px|-80px” transform_translate_phone=”” transform_translate_last_edited=”on|phone” transform_translate_linked_tablet=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|phone” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px||||false|false” animation_style=”fade” animation_direction=”bottom” animation_duration=”2000ms” animation_speed_curve=”ease-in” transform_styles_tablet=”” transform_styles_phone=”” text_text_shadow_style=”preset1″ inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

    Find out how to get back on track<\/p>\n

    [\/et_pb_text][et_pb_text admin_label=”Paragraph Message” _builder_version=”4.16″ text_text_color=”#ffffff” text_font_size=”22px” text_line_height=”1.4em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|tablet” transform_translate_tablet=”0px|85px” transform_translate_phone=”” transform_translate_last_edited=”on|phone” transform_translate_linked_tablet=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|tablet” z_index=”1″ text_orientation=”center” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”79px” custom_margin=”-11px||40px|||” animation_style=”fade” animation_direction=”bottom” animation_duration=”2000ms” animation_delay=”1000ms” transform_styles_tablet=”” transform_styles_phone=”” text_text_shadow_style=”preset1″ text_text_shadow_color=”#000000″ global_colors_info=”{}”]Get the help you need. Find the right option that will work for your specific set of circumstances. Feel free to give us a call or chat with us online. We’re here to help.[\/et_pb_text][et_pb_button button_text=”Talk to us” button_alignment=”center” _builder_version=”4.16″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_border_width=”0px” button_border_radius=”8px” button_font=”|600|||||||” button_icon=”5||divi||400″ transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|desktop” transform_translate_tablet=”0px|85px” transform_translate_phone=”” transform_translate_last_edited=”on|tablet” transform_translate_linked_tablet=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|tablet” z_index=”1″ animation_style=”fade” animation_duration=”2000ms” animation_delay=”2000ms” transform_styles_tablet=”” transform_styles_phone=”” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Related Topics” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” z_index=”0″ custom_margin=”1px||||false|false” custom_padding=”70px|0px|100px|0px|false|false” custom_padding_tablet=”||0px||false|false” custom_padding_phone=”50px||0px||false|false” top_divider_arrangement=”above_content” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”27px|0px|27px|0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”H2 Heading” _builder_version=”4.16″ text_font=”||||||||” header_font=”Work Sans|600|||||||” header_2_font=”||||||||” header_2_line_height=”1.3em” header_4_font=”Work Sans||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” custom_margin=”||2px|||” locked=”off” global_colors_info=”{}” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n

    Related Topics<\/h2>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” disabled_on=”on|on|off” admin_label=”Related Article Cards | Desktop” _builder_version=”4.16″ width=”70%” max_width=”100%” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/debt-help” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/getting-rid-of-debt_related_topic.jpg” alt=”getting rid of debt” title_text=”getting-rid-of-debt” _builder_version=”4.16″ border_radii=”off|8px|8px||” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n

    Getting Rid of Debt<\/h3>\n

    We’re happy to help you figure out your options. There are more than you might think.<\/p>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/debt-help\/debt-management-program” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/talking-to-a-credit-counsellor_related_topics.jpg” alt=”talking to a credit counsellor” title_text=”debt-management-program” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n

    Debt Management Program<\/h3>\n

    You’re not alone if you’re wondering if a DMP is right for you. Here’s what it is and how it works.<\/p>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/debt-help\/credit-counselling” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/signing-agreement-with-advisor_related_topics.jpg” alt=”signing agreement with advisor” title_text=”credit-counselling” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n

    Credit Counselling<\/h3>\n

    Are you curious about what credit counselling is or how it works? Here’s what you need to know.<\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|on” admin_label=”Related Article Swipe Cards | Mobile” _builder_version=”4.16″ custom_padding=”3px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_code admin_label=”Swiper Code for Swipe Cards (Need to upload card images and then enter their URLs in this code)” _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n