Free Financial Advice for Credit Card Help, Debt Reduction, and Achieving Financial Independence

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Over a Dozen FREE Financial Calculators to Choose From!

First Financial Help

Financial Planning

     The goal is to reduce your debt and pay off your credit cards. Then improve your credit score and learn to better live within your financial means. This is a free credit card freedom site aimed at helping people out.

     We will provide you with financial calculators throughout this site that will allow you to take this credit card information and customize it to your personal situation.

     The average consumer carries $8,000 to $10,000 of credit card debt. Depending on your situation it could be quite a bit more a lot or less. Situations like school, getting married, having kids or simple poor financial habits sometimes happen. Worst is a relationship gone bad with someone being left with high debt. However it happened, there is a lot of interest now being paid.

     We can offer free debt advice to reduce interest and get rid of unwanted debt.

     Some solutions may take less than 30 minutes and save you thousands of dollars, and some may require a bit more discipline. The question is how much do you want to reduce credit card interest, credit card debt and have credit card freedom?

     There is nothing required to buy, but if we can help you get back on the road to financial recovery, we would really like to hear from you and share your story, so that we may help others.

Make sure to check out all our free financial calculators.

     Are credit card payments,credit
card bills and credit card interest
rates dragging you down?
     Do you need help getting off 
the credit card treadmill?
     Are finances tight to the point
where you need financial help but
may not be able to afford it or not
sure how much it is going to cost?

Credit Card Help is Now Here
Get Credit Card Freedom and Debt Reduction Now.

Credit Card Minimum Payment
This calculator will show you how much interest you will end up paying if you make only the minimum required payment on your credit card bill -- that is, assuming you stop charging any more to it. After seeing the shocking figures this calculator will generate, I doubt you'll want to continue allowing the credit card companies to build your swimming pool in their backyards. And as you will see from the calculated results, it's not just the interest charges you're losing, you're also losing the interest you could be earning on those charges if you were investing them rather than paying them to the credit card company!

Somewhere in your credit card disclosure statement the card company will tell you something like "your minimum payment will be 2% of the balance or $10, whichever is higher." These are the figures you will enter in Row #3 and Row #4 respectively.

Enter the dollar amount charged:
Enter the annual interest rate:
(3) Enter the minimum percent payment amount:
(4) Enter the minimum dollar payment amount:
Total interest charges you will pay:
Total number of payments you will make:
Total number of years until debt is paid off:
Estimated foregone interest earnings:
Total Estimated Opportunity Cost:

Here is a great example of the financial help calculators that we have.

You can see what happens if you only pay the minimum balance on your credit card and why a good financial advice strategy is the smart way to go.

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