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Fast Track Debt Relief, Inc.
Wednesday, January 9, 20195eKomi
wonderful customer service eli has been o good and profesional
Fast Track Debt Relief, Inc.
Thursday, August 30, 20185eKomi
My experience thus has been good it has allowed me to use a new avenue in repairing my credit along with helping my daughters get back on track very professional staff every document was explained ...
Fast Track Debt Relief, Inc.
Friday, February 22, 20195eKomi
They are very experienced in helping us. They made everything clear and exactly how your program worked. They answered all questions and made sure both my husband and myself understood your program...
Fast Track Debt Relief, Inc.
Thursday, February 14, 20195eKomi
Gillian was very nice. She helped me understand about my finances and provided ways to solve my financial problems. I would recommend her to anyone who is having financial difficulty. She is awesom...
Fast Track Debt Relief, Inc.
Monday, October 1, 20185eKomi
I was very tentative about reaching out for help with my financial situation. *** from Fast track was VERY understanding and continued to communicate with me every step of the way. She was very rea...
Fast Track Debt Relief, Inc.
Wednesday, January 16, 20195eKomi
My experience with fast track has been very good, I would highly recommend them to anyone that is in a financial crisis like I was. Very friendly service and answered all my questions that I had an...
Fast Track Debt Relief, Inc.
Tuesday, June 4, 20195eKomi
My Rep *** was patient in understanding my situation and determined to help me find a resolution for my debt
Fast Track Debt Relief, Inc.
Monday, October 1, 20185eKomi
The experience was exceptional. The people were very good in the explanation of your services. They even provided information in an email that I printed that explained the process.
Fast Track Debt Relief, Inc.
Tuesday, September 11, 20185eKomi
Very impress with the pace in which my case was handled. Everyone made sure I understood what was happening and what was going to happen.
Fast Track Debt Relief, Inc.
Saturday, July 14, 20185eKomi
The beginning proceedings over the phone were very easy. *** talked me through everything. But, he was a little condescending towards me for having to go through this process. But, he was nice afte...
Fast Track Debt Relief, Inc.
Wednesday, September 26, 20184eKomi
It has been a very positive experience so far. The people I have spoken and met with have been very friendly. I did not feel pressured in any way and they were very patient and forthcoming concerni...
Fast Track Debt Relief, Inc.
Tuesday, May 7, 20194eKomi
So far it's been good. It has kept me from going off ona deep end thus far. It's informative and I pray that the current temple of things remain on such a level. I found you all by way of the inter...
Fast Track Debt Relief, Inc.
Tuesday, January 8, 20195eKomi
*** explained everything that I needed to know, and made the process simple and easy.
Fast Track Debt Relief, Inc.
Sunday, March 4, 20184eKomi
It was a pleasure to find that there is some one that still help the one that really need it. And take the time to listen and to exlpain thing so that you can understand.
Fast Track Debt Relief, Inc.
Sunday, December 2, 20185eKomi
Everything was great! It was a big relief off my shoulders.
Fast Track Debt Relief, Inc.
Friday, December 21, 20185eKomi
Fast Track has repeatedly demonstrated the utmost professional detail to my situation and has been above and beyond courteous in all our conversations with diligence to address all of my questions/...
Fast Track Debt Relief, Inc.
Thursday, January 17, 20195eKomi
So for it is very great and I am looking forward to getting all of this debt behind us.First thing I am trusting you all with all of this.Thanks ***
Fast Track Debt Relief, Inc.
Tuesday, April 2, 20195eKomi
Everyone has been very nice and helpful
Fast Track Debt Relief, Inc.
Friday, March 29, 20195eKomi
Very helpful and I had great customer service.
Fast Track Debt Relief, Inc.
Friday, October 12, 20185eKomi
*** was very patient and not pushy during the process. I finally feel like a load of stress has been lifted off of me.
Fast Track Debt Relief, Inc.
Thursday, February 1, 20185eKomi
The experience with Fast Track has been very easy and *** was very nice and professional, she made sure that I understood everything upfront.
Fast Track Debt Relief, Inc.
Wednesday, January 17, 20185eKomi
This process so far makes me feel so much relief. The staff has been extremely kind and helpful.
Fast Track Debt Relief, Inc.
Friday, April 12, 20195eKomi
*** was very help with walking me thru the steps. She returned calls and followed thru with answering questions thru emails ect. What she couldn't answered she would find out while holding only a f...
Fast Track Debt Relief, Inc.
Thursday, April 4, 20195eKomi
Fast and easy, very friendly staff so far.
Fast Track Debt Relief, Inc.
Tuesday, August 28, 20185eKomi
*** was great. Knew what she was doing. Very persistant but it worked. First, i said no then an hour later, it was yes.
Fast Track Debt Relief, Inc.
Saturday, August 18, 20185eKomi
Well the people I'm working with is very professional in the business that's helping me.*** and *** explained very clearly about how this program goes. I'm just starting so once I get into things a...
Fast Track Debt Relief, Inc.
Saturday, April 27, 20195eKomi
*** is awesome. She was extremely helpful and informative. Always responded inmediately to my questions and concerns
Fast Track Debt Relief, Inc.
Monday, July 30, 20185eKomi
My experience with *** was very good actually excellent they're very quick about everything if I had any problems they took care of it right then and there I can call them up and have anything take...
Fast Track Debt Relief, Inc.
Wednesday, March 27, 20195eKomi
I was given a very detailed explanation of everything I needed to know and even things I didn't know I needed to know. All representatives I spoke too took the time to answer all my questions and I...
Fast Track Debt Relief, Inc.
Tuesday, April 3, 20185eKomi
Just like they say debt relief. I can't wait for that feeling because that's the way they make me feel. They make you feel very comfortable and help you understand the system how it's work.
Fast Track Debt Relief, Inc.
Monday, May 6, 20195eKomi
Very friendly and helpful. Explained everything about the program in simple terms. Received emails with all the paperwork within minutes of the phone calls. She kept in touch with me everyday by ph...
Fast Track Debt Relief, Inc.
Monday, October 1, 20185eKomi
So far she has been great ,looking forward to seeing my credit score. *** was very persistent. very convincing. So she won be over.
Fast Track Debt Relief, Inc.
Friday, October 5, 20185eKomi
Awesome experience with this office just wonderful .when I was at my lowest point .They took care of me.
Fast Track Debt Relief, Inc.
Friday, September 28, 20185eKomi
Felt so relieved after the first conversation with ***. Cant wait to be sent free soon!
Fast Track Debt Relief, Inc.
Wednesday, August 8, 20185eKomi
I received an offer in the mail regarding the program. At first, I was a little reluctant but my monthly bill payments were becoming difficult to maintain. After doing some research about the progr...
Fast Track Debt Relief, Inc.
Monday, February 18, 20195eKomi
Everyone I spoke with was very helpful and professional, Feel I'm in very good hands. Thanks so much.
Fast Track Debt Relief, Inc.
Thursday, March 1, 20185eKomi
It was a wonderful experience dealing with *** @ Fast Track Debt Releif. Very helpful in every way. Thanks again
Fast Track Debt Relief, Inc.
Thursday, March 7, 20195eKomi
So far my experience has been great. Although we just got started, I feel confident I've made the right move.
Fast Track Debt Relief, Inc.
Thursday, April 5, 20185eKomi
Our experience with this company to this point has been very good. They seem to be very efficient.
Fast Track Debt Relief, Inc.
Saturday, December 1, 20184eKomi
Fast Track did a very understandable and thorough job in explaining the program and ansewered all my questions.
Fast Track Debt Relief, Inc.
Thursday, May 9, 20195eKomi
*** is amazing! She was informative, funny, compassionate and most of all, knowledgeable about the entire process. She was so amazing from the initial e-mails, to the finished & signed paperwork. T...
Fast Track Debt Relief, Inc.
Tuesday, April 30, 20195eKomi
*** was fantastic. She followed up with me and guided me on what to expect. She answered all of my questions and I appreciate her and her time.
Fast Track Debt Relief, Inc.
Thursday, May 30, 20195eKomi
My experience thus far has been amazing, I’m just hoping that things remain as easy going and professional as they have been.
Fast Track Debt Relief, Inc.
Wednesday, October 24, 20185eKomi
*** ultimately became my financial advisor and did an excellent job with a stressful situation. He pushed it thru quickly and efficiently.
Fast Track Debt Relief, Inc.
Friday, April 12, 20195eKomi
*** was magnificent. She never lost patience with a senior citizen and was very polite and reassuring. Thank you !
Fast Track Debt Relief, Inc.
Friday, September 21, 20185eKomi
Professional and extremely helpful. Recommend to anyone who is in financial distress.
Fast Track Debt Relief, Inc.
Thursday, August 30, 20185eKomi
EXTREMELY friendly, courteous and helpful. *** was very courteous and helpful. I was skeptical at first, but he let me know everything would work out fine.
Fast Track Debt Relief, Inc.
Thursday, January 10, 20195eKomi
This was the best thing I've ever done. And I felt so at ease once I started talking with a representative. I will highly recommend Fastback to anyone in need of debt relief.
Fast Track Debt Relief, Inc.
Tuesday, March 26, 20195eKomi
*** has been very helpful encouraging and assuring to me so I feel confident that we're going to develop a great relationship with your company I look forward to getting these debts off my off my s...
Fast Track Debt Relief, Inc.
Thursday, November 15, 20185eKomi
*** was very good for us. She walked us through everything and was very competent. We were in very good hands & we appreciate her dedication, sincerity & all the time she spent helping us & explain...
Fast Track Debt Relief, Inc.
Thursday, March 8, 20185eKomi
Fast Track was a pleasure working with. I was really struggling with paying off my debt and they were able to help me lower my payments and pay them off quickly.
Fast Track Debt Relief, Inc.
Thursday, January 10, 20195eKomi
My adviser was very helpful and respectful. Assured me success with the program.
Fast Track Debt Relief, Inc.
Saturday, August 4, 20185eKomi
Everyone I've been contact with has been very helpful.
Fast Track Debt Relief, Inc.
Wednesday, January 3, 20185eKomi
To date it has been quick, courteous and mind relieving. Thank you so much for working with me to resolve my debts.
Fast Track Debt Relief, Inc.
Monday, July 23, 20185eKomi
Excellent services and knowledgeable employees!
Fast Track Debt Relief, Inc.
Wednesday, June 26, 20195eKomi
It has been great so far I have had alot of information to go over and knowing that I am on my way of becoming debt free lifted a great weight off of my shouldes. Thank you so much for everything. ...
Fast Track Debt Relief, Inc.
Thursday, December 20, 20185eKomi
I am just beginning the process, but I am very pleased. They have been so professional and informative.
Fast Track Debt Relief, Inc.
Friday, December 7, 20185eKomi
Very good so far, staff is very professional.
Fast Track Debt Relief, Inc.
Thursday, April 12, 20185eKomi
I am satisfied with the information provided by the costumer service rep he took out the time to explain to me in details and made sure that I understood the process of consolidating my credit cards.
Fast Track Debt Relief, Inc.
Friday, July 20, 20185eKomi
My experience thus has been excellent. *** made me feel comfortable and confident throughout the entire process.
Fast Track Debt Relief, Inc.
Friday, August 3, 20185eKomi
*** was super helpful, kind, and easy to talk
Fast Track Debt Relief, Inc.
Friday, August 31, 20185eKomi
I found that this is probably one of the best experiences I've had dealing with a debt/finance company.
Fast Track Debt Relief, Inc.
Friday, April 5, 20195eKomi
Everything was easily explained and answered. The process so far has been quick and easy! I am very much looking forward to being debt free without the stress!
Fast Track Debt Relief, Inc.
Wednesday, January 9, 20195eKomi
So far so good, l have just started but I'm liking the outcome so far.
Fast Track Debt Relief, Inc.
Tuesday, December 18, 20185eKomi
Everyone involved in this process put me at ease and explained everything in detail with no tricks or underlining fees. They have my back and now I can breath a little easier. Thank you.
Fast Track Debt Relief, Inc.
Thursday, April 18, 20195eKomi
Everyone from the very beginning has been very helpful in explaining things and answered all my questions
Fast Track Debt Relief, Inc.
Thursday, August 2, 20185eKomi
*** has been awesome from the first minute I spoke with her. She is very professional but compassionate about my situation. It was always a pleasure speaking with her.
Fast Track Debt Relief, Inc.
Monday, October 22, 20185eKomi
Our experience has been wonderful with ***, he is great so glad we contacted him
Fast Track Debt Relief, Inc.
Tuesday, April 16, 20195eKomi
Excellent service, very intuitive and they try to help the best they can do.
Fast Track Debt Relief, Inc.
Wednesday, October 10, 20185eKomi
So far I can't say enough about this company especially *** she was awesome
Fast Track Debt Relief, Inc.
Thursday, February 22, 20185eKomi
To whom it may concern, it was a great pleasure working with you and the group. I couldn't have done this without you.
Fast Track Debt Relief, Inc.
Thursday, January 24, 20195eKomi
I just started with your company, but so far I am very excited and happy that I’m being help by y’all with my debt. If everything I have been told turns out to be true, that will make me a very hap...
Fast Track Debt Relief, Inc.
Saturday, April 28, 20185eKomi
Great Service,everything was explained to my understanding.
Fast Track Debt Relief, Inc.
Monday, March 18, 20195eKomi
My experience as someone who's never done this before was fantastic. Everything was explained clearly and concisely, all my questions answered, and there was no feeling of being duped or lead on. A...
Fast Track Debt Relief, Inc.
Friday, February 15, 20195eKomi
The employee was very very helpful , he made sure that I understood everything about how the debt consolation worked
FAST TRACK DEBT RELIEF ADVICE BLOG
JUN 17, 2016, FRIDAY
How to Create a Budget and Start Saving Now -Debt Relief Programs

 

Debt Relief Programs | Fast Track Debt Relief

How do you build a budget that enables you to get out of debt? It can seem impossible. But as the ancient Chinese proverb states, “The journey of a thousand miles begins with a single step.” Your journey to debt-free life begins with simple steps that add up to significant results.

 

Starting Your Debt Relief Journey

 

There are several steps you need to keep in mind, and the first is to make yourself a space to tackle your debt. It may sound simple, but having a regular workspace to go to when you need to figure out your budget can help you focus and stay disciplined.

 

You'll want to figure out what your income is first, but this breaks down into a few steps:

 

  1. This should be simple enough for those with salaried jobs, but what if you work part-time, hourly, or at multiple jobs? Your pay may vary week-to-week. If so, organize your paychecks over a longer period of time. Figure out what's representative of what you make - and be realistic.

 

There's no use denying realty to make yourself feel better. Be completely honest at this stage and it'll be better for you in the long-run. The key at this stage is to organize yourself. You'll also need to start keeping all your paycheck records in one place.

 

  1. Figure out your income with taxes subtracted. This is the money with which you can work.

Next, figure out regular payments – for your home or apartment, car, health insurance, debt repayments, etc. Deduct these from your monthly pay. The goal here is to create a realistic picture of exactly the income you're making every week, month, and year.

 

  1. If you work hourly or multiple jobs where the hours fluctuate, come up with at least two different models:

 

  • An ideal model. This assumes everything goes as you expect..
  • An emergency model. This factors in the possibility of weeks where your hours are cut or that you are unable to work. Hopefully, you won't have to fall back on this more pessimistic model, but if you do, you're prepared.

You’ve figured out your income and your outgoing expenses. Now you can begin to lay out a personalized plan:

 

  1. How much do you have left for groceries and gas money? What's left over for an emergency fund? Can you put anything into savings? Again, be realistic here.

 

  1. Once you've figured out your plan, set goals – what do you want your budget to look like in a month, six months, a year? Set achievable goals (e.g. have $X in your savings, contribute 2% to your retirement fund).

 

  1. Save receipts, write down costs, and either use a paper ledger or a spreadsheet (OpenOffice has a free spreadsheet tool) to record expenses.                                                                                                                                                                                                                                                                                 
  2.  Look for areas where you can cut down. Some suggestions:

 

  • Instead of going to a movie for $10 or more, rent a movie from RedBox for $1.
  • Rather than paying for cable or satellite that can cost upwards of $100 a month, opt for a streaming service for 1/10th the price.
  • If you're going to a theme park that will cost $50 per person, consider going to the beach or hiking in a state park for free.
  • Skip the food truck or cafeteria at work and make a few days' lunches ahead of time at home.

 

Being frugal doesn't mean your lifestyle has to change dramatically – you're still watching movies and TV, you're still spending a day out with friends or family, and you're still enjoying lunch every day. Being frugal doesn't mean cutting every luxury out entirely; it just means you need to make wise choices so the things you enjoy cost less.

 

  1. Revisit your budget regularly. As you keep a budget over weeks and then months, you'll be able to make adjustments for what happens on the fly. Maybe it's a good week where you get extra overtime, or maybe it's a bad week where your hours are cut. Don't hide from your budget either way; record it all so that you can spend or scrimp wisely. Best of all, revisiting your budget regularly will help you learn your own tips and tricks, and you'll notice and police your own habits better.

 

  1. A 50/30/20 budget is a wise way to go. After taxes, consider 50-percent of your budget going to essentials – groceries, housing, utilities, insurance, transport, childcare, and loan payments. Then, 30-percent can go to wants – a meal out, a deposit in your vacation fund, a new outfit, etc. The final 20-percent is dedicated savings and debt repayments.

 

Of course, it's not one-size-fits-all. Some may find they only pay 40-percent of their incomem to needs. In this case, direct more toward savings and debt repayment. Some may find they pay 70-percent or higher on basic needs. This, unfortunately, means cutting into those wants. Remember, it’s a short-term sacrfice that yields great results in the long-run.

It’s incredibly easy to make a great budget – that just doesn’t work for you. You may follow it for a week, and then forget about for months. A budget only works if you stick to it until you get out of debt - and beyond.

If you need help, Fast Track Debt Relief has a series of debt relief programs. Each is tailored to individuals because everyone has different circumstances, needs, and goals. Our debt relief programs are geared toward helping people get out of debt over time and to nurture situations where paying for a home, a car, having good credit scores – all of it is accessible to you again. Call us and ask us about our debt relief programs and how we might help you.

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"Fast Track's Debt Relief financial specialists can give business owners the peace of mind that comes with knowing that the effort has been made to have business debt problems finally settled with Fast Track's help."
Rebecca G.
"The staff was great. They treated me with the upmost respect and answered all of my questions in a timely manner. Thank you!"
Janet A.
"Thank you so much. I never meant this to happen. I felt so bad inside; I always tried to pay my bills. Thank you for all of your help. I do not ever want more credit cards."
Ginger J.
"Thanks so much for your help!! I am so glad this is all over!!"
Melissa H.
"The people of Fast Track are very concerned with the client. They are life changing in our case. Thank you."
Joe L.
"Thanks to all your staff; for the many girls and boys I've alked to. They were always so helpful to answer all of my questions and concerns. I would highly recommend this company to help others in need. Thanks again!"
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