How to Pay Off Debts Fast

Pay off debts fast with some good planning and financial discipline. The following steps will help you get out of debt without stressing your finances too much.

Instructions

1. • 1
     Understand how much debt you have. Using credit cards often puts people out of touch with their money. You'll need a clear picture of where you are financially if you want to make a workable plan for getting out of debt fast. Gather all of your bills (credit cards, loans, etc.) and add the totals to get a clear picture of your debt. Write down minimum monthly payments, due dates and interest rates for each. Contact creditors to negotiate lower interest rates. Lower interest rates lower your debt burden making it easier to pay off your bills faster.
   • 2
     Make a repayment plan. If you have several creditors, choose the one with the least amount owed. This is the one you should pay off first. Make minimum payments to all of your creditors except the one you are targeting for payoff. As you make your repayment plan, explore your motivations--why do you want to pay off debts fast? Generally, working toward something with a specific purpose will improve your chances for success.
   • 3
     Review your income and expenses. Write down and examine your income and expenses carefully to find the money you will need to make extra payments on the targeted debt. Look for any places where you can cut back. Clip coupons, go for basic instead of premium cable, bring coffee and lunch from home, etc. Look for opportunities to save and bring in additional income (carpool, sell on eBay, consider consignment or turn a hobby into an income-generating activity).
   • 4
     Direct all of the money you earn and save to your targeted debt. If possible, make payments weekly or bi-weekly to reduce your average daily balance (on which finance charges are based). You can do this easily by adding the creditor to your online banking service. As soon as the money becomes available in your account, you just point and click to pay.
   • 5
     Repeat the steps until you are debt-free. Chose the next smallest debt and direct your financial energy (including the money you were paying monthly on the debt that has been retired) toward paying off this bill.

by: www.eHow.com

WAYNE ROONEY TO BE A DAD AGAIN

WAYNE ROONEY is set to become a dad again - his wife Coleen is pregnant with the couple's second child.

The TV presenter took to Twitter.com on Wednesday (10Oct12) to announce the baby news, revealing she is due "around May time".

The baby will be a little brother or sister for the Rooneys' son Kai, who turns three next month (Nov12).

In her tweet to fans and followers, Coleen Rooney wrote, "A few people guessed, so news is out ha!! Me, Wayne and Kai are thrilled that we are expecting a new addition to our family."

She added, "It's still only early but bursting with excitement! Also wanted the news to come from us, before anyone else!"

The announcement was retweeted by Rooney.

LADY GAGA ORGANISING CHARITY CYCLE RIDE

LADY GAGA is organising a charity cycle ride to raise awareness of body image issues.

The pop superstar launched her own charity, the Born This Way Foundation, earlier this year (12) to empower youngsters and stop bullying, and she recently won praise from campaigners for talking publicly about her own battles with eating disorders and self-esteem issues.

She is now stepping up her fight by teaming with Soul Cycle, a U.S. company which offers indoor cycle spinning classes, to put together a charity bike ride in aid of her foundation.

Lady Gaga has dubbed the event the Ride for Compassion and she is urging her fans to get in touch and share their ideas.

In a series of posts on Twitter.com, she writes, "I'm organising right now with Soul Cycle a Body Revolution cycling 'Ride For Compassion' with the BTW Foundation. Please send us your ideas... We want to know what is important to you in relation to body image and helping those w (with) disabilities. What do u (sic) want this ride to accomplish?"

HILARY DUFF WORRIES ABOUT RAISING SON IN SPOTLIGHT

Former child star HILARY DUFF worries about bringing up her son in the spotlight, and insists she would be reluctant to let him follow in her footsteps by entering showbusiness.

The actress, who gave birth to Luca in March (12), shot to fame as a youngster playing the title role in Disney teen sitcom Lizzie McGuire, but admits she would think twice before letting her little boy pursue a career in Hollywood.

She tells Parents.com, "I'd say, 'Are you sure?' (if my son wanted to act). My sister and I said that same thing to my mom, and she encouraged us. I'm so happy she did, and I would not change my life for anything. But it's tough, and it's totally different than it used to be.

"I am even scared of (Luca) growing up getting his picture taken all the time and feeling different. I saw a rag magazine the other day - I was having my hair done or something - and the headline said, 'Who Wore It Better?' and the photo showed (Tom Cruise's daughter) Suri Cruise and so-and-so's kid. They had the same dress on, and (magazine editors) put these kids up against each other. I'm just thinking that this is sickening. Now that I'm a mom and I have a child, I can't imagine. It's not right."

EVA LONGORIA GIVES LECTURE AT PENNSYLVANIA UNIVERSITY

Actress EVA LONGORIA visited a Pennsylvania university on Wednesday (10Oct12) to talk to students about her career and activism.

The Desperate Housewives star appeared onstage in the packed auditorium at the University of Pennsylvania's Wharton School for her 'social impact' lecture, discussing her efforts to bring attention to pressing problems, including immigration.

Longoria took to her Twitter.com page to share photos of herself at the event, and even sent messages to guests who had attended her talk.

She tweeted, "Thank you Wharton-University of Pennsylvania for having me speak today! I'm so inspired by all the students I spoke to!"

JENNIFER ANISTON INVESTS IN HAIR CARE COMPANY

JENNIFER ANISTON looks set to launch her own hair care line after becoming a celebrity spokeswoman and investor in a burgeoning beauty brand.

The Hollywood actress became a hairstyle pin-up in the 1990s when her famous 'Rachel' cut made waves on hit TV sitcom Friends, and she later became a model for a L'Oreal shampoo line.

Aniston now looks set to build on her hair appeal by becoming an equity partner in a rising company called Living Proof.

The actress has invested in the firm and she will also become the face of the brand, starring in marketing and advertising campaigns, while she will also be involved in the creation of new products and package design.

Aniston admits it was the company's science-driven approach which encouraged her to become an investor.

She says, "I have been approached many, many times (about this kind of deal)... You want to be part of something that's exciting and authentic. You can't get more interesting than these scientists... (I was) fascinated by the scientific approach."

Living Proof chief executive Jill Beraud tells the Wall Street Journal, "We believe that beauty and brains are the best formula. She (Aniston) represents everything we represent as a brand."

Victoria Beckham pregnant with fifth child?

Mother of four Victoria Beckham has sparked a pregnancy riddle after avoiding alcohol and admitting strange food fads.

The number seven is reportedly the Beckham clan's lucky number - footballer David wore the numbered shirt during his reign at Manchester United, and the couple named their daughter Harper Seven - so a fifth child would take the Beckham family count up to their magic number.

"I'd never say never about another baby," fashion designer Victoria, 38, was recently quoted as saying in an interview, and now she's fuelled the reproductive fire by dropping hints that her current unruly brood might become even more unruly next year.

An "insider" told Heat magazine that while Victoria was in London to participate in the Olympics Closing Ceremony, she was "talking about having some strange food fads and she didn't drink at all, not even to celebrate after performing at the Olympics."

Said gossip went on to divulge that Victoria's behaviour "led to some of her friends asking outright if she was pregnant and she just smiled in response."

David and Victoria Beckham, who are based in Los Angeles, already have sons Brooklyn,13; Romeo , 10; Cruz, 7 and daughter Harper, 15 months.

"We've always said we'd love a big family and five was a number," said LA Galaxy and H&M pin-up Beckham recently. "If we're lucky enough, then we hope to have one more."

Richard Gere 'chats up married woman', gets a hiding from her hubby

Richard Gere became embroiled in a foul-mouthed confrontation after being accused of chatting up a married pretty woman in a restaurant.

Richard Gere was rapped on the knuckles after he allegedly approached a married woman in a restaurant (Picture: Getty)

Gere was told to ‘get the f*** out’ by the woman’s furious husband after allegedly flirting with her at Nick and Toni’s restaurant in Long Island, New York.
‘He kept staring at this woman. Her husband seemed agitated by it,’ a source told the New York Post.
‘He approached the other table. He didn’t acknowledge anyone around her. He was leaning in and trying to talk to her, leaning into her ear.’
The tete-a-tete was too much for the woman’s hubby to stomach, leaving him ranting at 63-year-old Gere to leave.
But the warning fell on deaf ears, as the actor ignored the man’s warning and continued his conversation before making his exit.
He was followed out by the husband to make sure he was on his way.
Gere’s camp said of the awkward showdown: ‘Reality is, he was at a table with his agents and their wives.
‘On his way out, he stopped to say hi to the people at that table and joked with the people briefly before leaving.’

Gere had been celebrating scooping the lifetime achievement award at the Hampton’s International Film Festival.

Police forced to intervene as Lindsay Lohan turns on mum after night out

Lindsay Lohan’s girly night out with her mother Dina turned nasty after the pair became embroiled in a heated row.

Lindsay Lohan got into a spat with her mum, Dina, after the pair enjoyed a wild night out on the town (Picture: AP)

The troubled actress, 26, is believed to have called her father during the spat - claiming she was being held hostage in Dina’s Long Island home.

Police were called to the scene after the argument turned violent, with LiLo sustaining a cut to one of her legs.

The pair had been out in a New York club until 4am before taking a limo home.
It is being reported the row started when Dina refused to let her daughter spend the night in a Manhattan hotel.
Lindsay is thought to have brought up an unpaid £25,000 ($40,000) loan she gave her mum.

The Mean Girls star is said to have been shouting at the driver for ignoring her request to stay in the city and the fight continued outside Dina’s house in Nassau County.

Smitten Cheryl Cole and Tre Holloway colour-coordinate for date night

Cheryl Cole is known for her savvy style but it seems she's rubbing off on new man Tre Holloway after the pair were spotted dining out in matching outfits.

Cheryl Cole and Tre Holloway leave Zuma restaurant after their date night (Picture: Xposure)

With a busy schedule ahead of her working on debut tour A Million Lights, Cheryl no doubt cherishes the time she gets to spend relaxing with Tre. 

And the couple, who have been dating for a matter of moths, decided to show the world just how smitten they are with each other last night when they headed out in colour-coordinated outfits.

The pair dined at the trendy Knightsbridge eaterie as Cheryl took a break from her tour (Picture: Xposure)

Cheryl showed off her enviable pins in a short burgundy leather skirt which she teamed with a plain black top and a black jacket with leather panelling.

The 29-year-old wore her hair in a chic bun and finished off her effortlessly sexy look with black court shoes and a matching clutch bag. 

Neither of the couple could wipe the smile off their faces (Picture: Xposure)

Opting for the same colour, Tre certainly showed Cheryl has met her match when it comes to the style stakes.

The 27-year-old backing dancer stepped out in a burgundy shirt which he teamed with grey trousers and a black belt.

The Girls Aloud singer ensured she had her legs on show (Picture: Xposure)

They were clearly impressed with their tasty Japanese meal at trendy Knightsbridge restaurant Zuma as they left with great big smiles on their faces.

Tre has also been keeping himself busy on tour with Cole, although last week he had to pull out of a show due to injury.

Cheryl and Tre jumped into the back of a waiting car as they headed home (Picture: Xposure)

Tre clearly keeps Cheryl laughing (Picture: Xposure)

Cheryl played London's O2 Arena on Sunday night and was joined by her Girls Aloud bandmates Nicole Roberts, Kimberley Walsh and Nadine Coyle in the audience.

She has a busy week ahead of her now too as in addition to further tour dates, her autobiography Cheryl: My Story, is out this week.

Like father, like son: Romeo Beckham copies David by having a fake Harper tattoo etched on his neck

His father is known for his many body inkings so it's no wonder David Beckham's son Romeo is keen to follow suit.

And it seems he's started a bit earlier than expected by copying his famous father to get his very own 'Harper' tattoo etched on to his neck in exactly the same place as his dad.

But fans needn't fear - the 10-year-old was merely walking around with a fake tattoo rather than a permanent marker on his skin.

We recognise that! David Beckham's middle son Romeo is spotted sporting the same Harper tattoo in the same place that his father has one on his neck - albeit a fake version

New accessory: Romeo, 10, was first seen wearing his new fake tattoo when he stepped out with his mum and brothers for a shopping trip in Santa Monica over the weekend

Romeo's new body art was spotted when he headed out with his mother Victoria and his brothers for a Halloween shopping trip in Santa Monica.

Copy cat: Beckham got the real tattoo etched onto his skin last year after Harper's July birth

Ever the fashionable member of the Beckham boys, Romeo stepped out in maroon trousers with a white T-shirt and trainers.

And his top was worn so the Harper scrawling could be seen above the shirt.

Obviously showing affection for his baby sister, who also joined him for the outing as she was carried by Victoria.

The Spice Girls star stood out in a purple mini-dress and tan shoes as she took her brood to two different stored to ready their costumes for the ghoulish festive season.

Meanwhile, eldest son Brooklyn and youngest Cruz also flanked their mother for the expedition.

And while David was missing from the shopping trip his likeness to Romeo was undeniable.

Family outing: David may have been missing from the Halloween costume trip but his likeness to 10-year-old Romeo was undeniable

Like father, like son: Romeo wanted to show off his love for his baby sister like his dad by putting on the body art token

The youngster is looking more and more like him, especially now that he has started to copy particular features of the footballer.

Harper was born last July and David wasted no time in adding to his body art collection by revealing the new inking with its fancy font.

He first unveiled the writing when he took his top off during an LA Galaxy win last August, a month after her birth.

Heading out: Victoria carried Harper as she wore a purple frock to treat her brood to their new Halloween outfits

Shopping trip: Harper showed how much she has grown since her father first got the tattoo of her name last summer

Beckham brood: Romeo showed off his style as his brothers Brooklyn and Cruz joined him by his side

The inking sits just above his tattoo of Jesus being carried by three cherubs, which are meant to symbolise his sons.

Beckham said at the time: ‘It’s Jesus being carried by three cherubs and obviously the cherubs are my boys and so my thought of it is that at some point my boys are going to need to look after me and that’s what they’re doing in the picture. It means a lot.’

The soccer legend is known for his array of tattoos, many of which are dedicated to his family.

Home time: Romeo disappeared inside the car after choosing his new ensemble for the ghoulish occasion

All together: Romeo has been looking more and more like David as he grows up and clearly wants to follow in his footsteps in some respects

As well as the cherubs Beckham already has the names of his three boys and an inscription of Victoria’s name written in Hindi.

He also a six-inch tattoo of Victoria as an angel, accompanied with the words ‘til death do us part’.

Beckham has previously said his tattoos are a way of expressing how he’s feeling, explaining: ‘Most of my tattoos are memories and things that mean things to me.

‘There's not one tattoo that I've got on me that doesn't mean something.’

Spot the star: Stylish Khloe Kardashian is ready for takeoff in black and white polka dot blouse

Regularly travelling in order to continue her busy work schedule and commitments is not an easy task but Khloe Kardashian manages to pull it off with some considerable style.

The reality TV star arrived at Los Angeles International Airport wearing a polka dot shirt to board her flight on Tuesday.

Khloe, 28, was in good spirits as she made her way through the terminal carrying a minimal amount of luggage.

Walk this way: Khloe Kardashian arrived at LAX on Tuesday looking stylish by wearing a black and white polka dot blouse

The Keeping Up With The Kardashians star colour coordinated her entire outfit by wearing an all black ensemble.

She teamed the polka dot blouse with a black vest and matching skinny jeans while accessorising with sunglasses and sandals.

The brunette has been linked with a hosting role on X Factor US, and was seen going into the CBS studios, where the show is filmed, on Friday.

Frequent flyer: Khloe travelled light and only had her large black designer handbag and a paper bag to carry

High notes: Khloe has been linked to a presenting role on X Factor US but has not confirmed if she has agreed to do it

Khloe is reportedly close to signing on the dotted line after Simon Cowell said that he wanted a woman and a man to front the show together.

If her big money move doesn't happen, Khloe need not worry as her mother Kris Jenner is in talks to host a daytime show, and she wants her daughter to join her.

Using their family connections to the full, it is thought that the first set of guests would be Kim Kardashian and her boyfriend Kanye West.

Million dollar smile: The reality star has kept quiet about her potential X Factor role but could yet have a chat show with her mother Kris Jenner

Khloe will find herself back at the airport next month when she and sisters Kim and Kourtney jet off to the UK.

The trio are set to take their clothing line international and will sell it through Dorothy Perkins, launching it on 9 November.

Speaking to Grazia magazine, they said: 'We are so excited to be coming to the UK together to show our fans the Kardashian Kollection. 

'We are looking forward to meeting our British fans at Westfield and showing English women are designs.'

Business stars: From left, Khloe, Kourtney and Kim, pictured earlier this year, will be in the UK to launch their clothing line next month

Thank goodness Rihanna didn't turn up! Rita Ora steals the style limelight as she steps out at drink launch

She has been seen copying Rihanna's style recently but last night Rita Ora had the opportunity to steal the limelight all on her own. 

The R.I.P singer, 21, performed at the ABSOLUT TUNE launch party in New York and she made the most of the chance to make a big fashion statement.

Rita sported an original look in a pair of blue metallic trousers, a white blouse with a black bra underneath, and a sequin embellished tuxedo jacket. 

Style statement: Rita Ora stepped out to perform at the Absolute Tue launch in New York last night

The singer accessorised with different rings on six of her fingers and a chunky gold watch on her left wrist. 

As ever Rita sported a bold red pout which she teamed with bright blonde locks. 

The singer was keen to show off some stunning nail art in the form of a pale pink varnish, with jewels and a metallic marble effect. 

Making the most of her moment: The 21-year-old star donned a pair of metallic blue trousers, a white blouse and a cream sequin embellished tuxedo jacket for the bash

Hitting the high notes: Rita sang her heart out at both bashes at the top of The Standard

The singer performed at the drink launch bash held at the top of the Standard hotel in New York.

The bosses behind the new tipple ABSOLUT TUNE, a blend of vodka and Sauvignon Blanc wine, decided to put on two parties in the venue. 

Designer Charlotte Ronson hosted one party and had her sister Sam Djying, while Solange Knowles greeted guests at the other bash. 

Party people: Solange Knowles and Charlotte Ronson hosted two separate parties to demonstrate the sparkle and the spirit of the new drink

Sisterly love: Charlotte Ronson attended the party to DJ and was seen giving her sister a big kiss

Party people: Chelsea Leyland and Cory Kennedy also attended the party to launch the new drink 

Party people: Guests were treated to impressive views at the party at the top of the Standard

Charlotte stepped out in a peach lace playsuit, which she teamed with opaque tights and peep-toe heels. 

Solange opted for a white shift top with cut out detail and a grey pleated skirt.

Rita performed a set at both events and guests seemed thrilled by the surprise show. 

Ready to rock: Sam was seen preparing to DJ a the party

The singer has been copying a series of Rihanna's looks over the past year and it will be interesting to see what she decides to wear at the MTV EMA awards in November. 

While Rita will take to the stage on the night Rihanna leads the nominations with nods to six gongs. 

Copycat: Rita, who is known for stealing Rihanna's style will be performing at the MTV EMAs in November while the Barbadian singer has been nominated for six gongs

Lily Allen backs abortions: A woman should have the right to choose

Lily Allen has backed women’s rights to have abortions in a heated Twitter rant.

Lily Allen has spoken out as a pro-choice campaigner (Picture: PA)

The Smile singer - who is expecting her second child with her husband Sam Cooper - has given her opinion on the current British government debate to reduce the legal limit on abortions from 24 weeks.

The outspoken hitmaker insists it is every woman’s right to choose whether or not to have a termination, as motherhood has massive implications.

Lily posted: 'Ok, Babies are lovely but quite hard work.

'Its really hard to work and have a baby at the same time, because a baby cant stay at home on its own all day while you go to work.

'Sometimes there are lovely Dads who take their responsibilities very seriously and work very hard to look after their babies / these men should be applauded.

'BUT, sometimes, quite often, when the baby’s cry a lot the man gets frustrated and leaves the baby and the lady that had the baby.

'He sticks his fingers in his ears and pretends that the baby isn’t really there, he stops answering his phone when the lady calls.

'The lady gets very sad and feels very alone and angry and even though she loves her baby more than anything ... She wonders what her life might have been like if she had never had the baby in the first place.' 

After hitting a nerve with anti-abortion campaigners, she concluded: 'So to all the Pro Lifers spamming me with s**t. This is one of the many reasons i believe a woman should have a right to choose. the end.' 

The star has previously taken to her Twitter account to reveal the tribulations of raising her 11-month-old daughter Ethel and she has put her music career on hold to be a mothe

Sarah Harding all smiles as Girls Aloud gear up for comeback

Sarah Harding could barely hide her glee as she stepped out amid reports Girls Aloud are set to reunite on Strictly Come Dancing next week.

Sarah Harding was all smiles as she stepped out in Mayfair as Girls Aloud set the rumour mill into overdrive that they are to make a comeback in a matter of days (Picture: Xposure)

The blonde bombshell and her bandmates Cheryl Cole, Nicola Roberts, Kimberley Walsh and Nadine Coyle, have been on hiatus since 2009 but they are now set to make a dramatic comeback next week.

And stepping out yesterday in London's Mayfair after dining at swanky Scott's restaurant, Sarah could barely conceal her excitement at the prospect of being with her girls again.

She certainly looked in shape for the impending reunion too, showing off her pins in black leather leggings teamed with a leather jacket and bright red knee-high boots. 

The singer dined at Mayfair's Scott's restaurant (Picture: Xposure)

She looked toned and trim ready for the reunion (Picture: Xposure)

Her hair was worn in loose waves and she flashed a huge beam at photographers as she stepped into her car.

Yesterday the girls revealed a ticker on their website which appeared to be a countdown for ten days' time.

A picture popped up on the site with the heading Ten and a countdown underneath teasing some sort of announcement set to take place on Friday 19th October.

Sarah looked relaxed and happy as she left the restaurant (Picture: Xposure)

It's not clear what the countdown is for but reports have suggested a comeback single, a comeback album and even a reunion performance on Strictly Come Dancing, of which Walsh is currently competing in.

Harding also joined Twitter yesterday, joining her other bandmates who all have their own personal accounts already. as well as the band joining the social networking site under the handle @girlsaloud.

If the girls do go ahead with their hotly-tipped Strictly reunion, which would be one of the biggest pop comebacks in years, it will be a huge blow to The X Factor on which Cheryl judged for three years.

Girls Aloud are reuniting for their tenth anniversary (Picture: ITV)

Rumours have also surfaced suggesting the girls will once again take on the job of doing next year's Children In Need single.

They have released the charity single before in 2004 when they did a cover of The Pretenders' I'll Stand By You.

Last week, adding more fuel to the burning fire, they are also believed to have shot a music video to go alongside their comeback single which it is thought they recorded in May.

This year marks the girls' ten year anniversary of their formation on Popstars: The Rivals in 2002.

James Molinaro’s Lady Gaga rant stinks of sexism

So US politician James Molinaro has called Lady Gaga a slut for smoking a spliff on stage in Amsterdam and setting a bad example to children.

Before you point out he should probably check a dictionary first before hurling insults, he’s already done that and it told him that the word means someone who is using improper conduct.

Yes, when I call someone a b*****d I mean someone born out of wedlock and when I use the word b**** I mean a female dog. Really.

Regardless of the rights or wrongs of Gaga sparking up in front of an audience, resorting to vicious name-calling smacks of throwing a tantrum in order to get what want rather than relying on reason, intellect, logic or any of the other things you might come to expect from a politician.

If your argument is sound then there really is no need for personal insults.

Lady Gaga has been labelled a slut (Picture: Getty)

His whole rant stinks of sexism. Again Molinaro tries to cover his back by pointing out there can be male sluts too. Yeah, there’s lots of men behaving badly out there but you know there’s no way anyone with a working knowledge of the English language would ever label Brad Pitt, James Franco or Justin Timberlake – all of whom have openly admitted to smoking weed – a slut.

And then he makes it much worse by saying we should ‘hit’ people who use drugs.

Molinaro, Borough President of Staten Island in New York, ranted: ‘They use drugs as if it’s nothing. We shouldn’t praise them. We shouldn’t honor them. We should really hit them… To me, she’s not an actress, she’s a slut, in the pure word, in the pure meaning of the word.’

Erm, what? So now it’s ok to advocate violence? Sounds like he wants to use improper conduct to me. Mr Molinaro, does that make you a slut too?