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THERE ARE TWO TYPES OF VICTIMS OF THE ECONOMY

A study recently conducted indicates that as our economy is slumping, the rate of economically based or motivated crimes is increasing at astonishing rates. Research shows that burglary and robbery rates always increase during times of economic woe; as people who are struggling with paying their debts and aren’t equipped with the tools for proper debt management or debt cosolidation, sometimes become desperate and resort to crime.

According to Professor Richard Rosenfeld of the University of Missouri-St. Louis; some studies show a one year lag between changes in the economy and debt related crime rate increases.

Would that mean we have yet to see the worst of the rise in crime; New York City and Tucson have already seen increases in theft and homicide, as well are crimes against property in Providence and Chicago.

The recession also contributes to a loss of police enforcement resources; as city and state agencies struggle with debt management and decreasing revenue from taxes, they are forced to make budget cuts to reduce debt and their ability to reduce crime is hindered.

During the Great Depression FDR’s New Deal work relief programs helped to deter crime. “ A 10% increase in government spending on work programs in the 1930’s,” says Price Fitzpatrick a University of Arizona economist, was associated with a 1% reduction in crime.”

With the Obama administration spending close to 1.2 trillion dollars on a government stimulus plan, I guess America should be crime free once the stimulus plan takes effect, even though we will owe a debt that our children’s children will be paying for years to come.

There are two types of victims of the economy; people who are struggling with debt management in an economy plundered by Wall Street greed and those who have been robbed at gun point or worse, either way the perpetrators all belong in the same jail cell.

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While debt is no laughing matter it’s nice to be able to turn to a site (or debt consolidation information source) with some answers peppered with financial news and a slight bit of humor. That site or blog is DebtConsolidationLoan.net

Right now they’ve got some great stories about all kinds of debt and financial related topics. Everything from finance tips, saving to buy a  home to debt consolidation loan questions. It’s all there. So be sure to check it out now, it’s worth your time.

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FIVE TIPS ON HOW TO REDUCE YOUR DEBT IN A WEAK ECONOMY

Many Americans struggling with credit card debt don’t have a clue how to put themselves back on financially sound ground, especially during a recession. While businesses are cutting back work weeks and giving employees unpaid days off, in effect reducing their pay checks, employees are left with their unchanged monthly expenses, not knowing how or where they’re going to find the money to pay their bills.

If you are among the 77% of America with an average of $6,000.00 dollars or more in credit card debt on various accounts, struggling to just make your minimum payment due, simply going on a budget may not be a solution for you. You may need the assistance of a credit counseling service in order to resolve your financial problems.

Reputable credit counseling services are available and offer a variety of services that can assist you in determining precisely where you stand financially and exactly what steps you will need to take to resolve your debt management; whether it be as simple as debt management or as complex as debt consolidation or debt negotiation all the way to debt settlement. A professional debt counselor will assist you in determining exactly what resolution is appropriate for your particular credit situation.

Another way to manage your debt problems is pre-emptive debt management, which is, to take a long hard look at your budget and determine to make the necessary adjustments in your lifestyle to accommodate your shrinking income and expanding expenditures; simply said reducing your monthly bills.

Here are five ways you can try to reduce you debts, earnestly try to incorporate these steps into your spending habits. If you find that this isn’t enough to remedy your debt situation you should consider seeking a reputable professionals help.

1. Gather all your (2 months) most recent credit card statements (including gas and department stores) and line by line analyze each statement looking for recurring charges, that is charges that appear there each month i.e.; gas, dry-cleaning, gym membership, etc. and make a list of each category.
2. Prioritize that list into two categories; the necessary (must have) and the unnecessary (like to have). Establish what is necessary even though it may be discretionary type spending, such as tutoring vs. ballet lessons; determine what is not up for budget cuts.
3. Honestly look at your list and determine which expenses are essential to your existence and which are wasteful or could be reduced i.e. $110.00/month cell phone bill with internet and e-mail service; consider reducing the type services or doing away with an expense all together where it’s not essential.
4. Be a bargain spender; shop around for better prices on things like gas, dry-cleaning, buy generic brands where possible including food and clothing, try to reduce the amount you pay for the things you must buy.
5. Determine which of your credit cards you use the most (largest expense) and what stores and make them off limits for 10 straight days; the idea is to gradually wean yourself from destructive spending habits.

Everyone is trying to find new ways to reduce their debt, increase the income all while bringing world peace to us all. Well at least you can find some comfort in knowing that because of the incredible financial crisis there are companies and individuals who can help you save a great deal of money on a variety of things. Reducing debt is a general term, or debt reduction as it’s also known. Essentially the main thing is to create a budget and stick to it. Use that budget to keep your expenses as low as possible and then pay off the most important debt you have first. If you can’t do it on your own then you should consider using a debt consolidation or credit counseling company to help you. The money you’ll save is something that’s tangible, but your peace of mind is priceless.

BUYERS BEWARE RETAILERS ARE OUT TO GET YOU … TO SPEND AGAIN

Retailers are making major changes from the way they have gone about business in the past, when customers were aplenty and the spending seemed to never end … ahh the good old days … but the times they are a changing as the song goes.

Retailers reeling from the pain of a holiday season of shoppers who cut spending by the most dramatic amount in at least 39 years, have been scrambling ever since trying new strategies and concepts to bring customers back to the register.

They are cutting out marginal suppliers creating a leaner inventory and hiring outside experts to analyze where they can increase sales, examining methods specific to their particular markets, as well as targeting the clientele that is still buying and making new roads to insure customer satisfaction shoppers have never seen before.

Primarily this is actually good news for consumers who will see an array of products at lower price points, from the ordinary supermarket groceries to designer brand names you could only put on your wish list in the past. Pricing consumer goods for debt ridden and an anxious customer base is the primary goal in hopes of bringing the customers back in.

Luxury retailers such as Neiman Marcus are getting creative too, by eliminating some vendors and focusing on serving its best customers. They are trying to retrain it’s customers to buy regular-price goods by hosting more frequent smaller private events for groups of 20 to 30 clients. Weaning customers off discounts is a big challenge for the industry because consumers have gotten so used to them.

As shoppers simply stopped buying, stores were forced to discount as much as 75% in some instances even before the holiday season began; resulting in the weakest season since at least 1969, when the ICSC index began keeping retail statistics.

Alas my words of caution for you the consumers struggling with debt, up to your ears in debt, just plain tired of debt, beware of the friendly vendors who are out there inviting you to come back, because if you’re on a debt diet and trying to stick to it, you just remember … the retailer is out to get you … to spend again! Don’t get yourself stuck in debt, or worse yet find yourself having to consider debt cosolidation unless absolutely necessary.