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Debt

Sometimes there is some emotional conflict when people try to decide which way to go about paying down debts. They wonder if they should pay off bills with the highest interest rates first, or pay off the smaller bills. Deciding to start with the smallest bills, can help to get going on the task and be more motivated. There is a good feeling to know one debt has been paid in full and something is getting accomplished. Setting goals to get debts paid off, must begin with changing behavior. This means spending money wisely. Knowing the bills must be paid is one thing, but actually getting it done can be harder. By paying off a small debt, it may encourage more good intentions to continue to get out of debt.

To get started, target one small debt and try to pay more than what is required each month. Consider paying something weekly, in addition to making the regular payment on time. It is surprising how you begin to see your efforts pay off. Keep a list of the small debts and the order in which to pay each one in full, and mark them off the list as it is done. Seeing the results of every small bill paid, will be uplifting. Keeping the list with each debt scratched off, will remind you how hard you have worked and how far you must go to finish the job.

Getting into debt is fun and easy, getting out of debt is stressful and requires a plan of action. Before spending one dollar, ask yourself if the expense is wasteful and if you can live without spending your hard earned money. If the answer is that you can live without spending the money, you will realize you now have more money left to pay down more of the bills. Keep sending in money for bills and keep getting closer to being out of debt. When help is needed, consider seeking a professional for advice and debt counseling.

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Wachovia.com Review - © 2011 Wells Fargo. All rights reserved.

Wachovia is now a part of Wells Fargo. Together, we’re one of North America’s largest financial services companies with a legendary reputation for strength and stability, offering more convenience and resources to help you reach your financial goals. We can serve you through 9,000 financial services locations, more than 12,000 Wells Fargo and Wachovia ATMs, the Internet, and other distribution channels across North America and internationally.

Wells Fargo & Company (NYSE: WFC) is a diversified financial services company providing banking insurance, investments, mortgage, and consumer and commercial finance. We're headquartered in San Francisco, but every local Wells Fargo store is a headquarters for satisfying all our customers' financial needs and helping them succeed financially.

We're Number 1 in the U.S. in community banking presence (6,200 banking stores), mortgage originations, small business lending, and agribusiness lending. We're also a leader in deposits and home mortgage servicing. For more information, please visit wellsfargo.com or contact customer service at 800-WACHOVIA, 24 hours a day, seven days a week.

Choosing the right checking or savings account helps keep your money and your plans moving forward. It’s where smart money management begins.

* Checking - An account for every lifestyle. Looking for a checking account? Is your priority value and convenience? Or are you looking for a premier checking account package? Whatever you need, we can show you the right solution.
* Savings & CDs - A savings account is a building block to a solid financial future. Money market accounts, CDs, and IRAs are also important tools for your nest egg.
* Wells Fargo Credit Cards - With a low introductory APR and no annual fee, Wells Fargo credit cards help you shop and save.
* Check Cards - Visa® Check Cards add banking convenience and purchasing power to your financial life.
* Gift and Prepaid Cards - Whether you're looking for the perfect gift or teaching your teen financial responsibility, find the prepaid card that's just the right fit for you.

Interest Checking Account: Ready to be rewarded for your complete banking relationship with Wachovia? See how our premier checking package maximizes the value of your checking dollars.

Crown Banking® - the advantages of a relationship.
* Premium Savings account with no monthly service fee
* $10 discount on all check orders
* Free safe deposit box note 1
* Free cashier's checks, money orders, traveler's checks and notary services
* Interest-earning checking account with interest compounded daily
* Discounts on home equity line/loans
* Open a Way2Save® account with Crown Banking® and we can help you save

All that, plus the same benefits that come with all Wachovia checking accounts including Online Banking with BillPay, Balance Alerts, Online Statements, and Wachovia Mobile®.note 3 You'll also get Wachovia Security PlusSM-our commitment to protect your privacy and security.

Online Services: Pay all your bills in one secure place. It's easy - enroll in Online BillPay today. Secure and easy-to-use, Wachovia Online Services puts money management just a few mouse clicks away. We are dedicated to providing you a safe and dependable service for accessing your financial information online. Learn more about our Online Services Guarantee.

* Online Banking with BillPay
Check account activity and balances
Manage your accounts through Wachovia Mobile®
View statements online
View images of paid checks
Transfer funds between eligible accounts
Get account balances delivered automatically
Pay bills online

*Online Brokerage
Check your account balances, holdings, and activity
Place and confirm trades
Obtain real-time quotes, news, commentary, analysis, and research reports
View all your online accounts in one place with
Wells Fargo One StopSM

The Lending Center is your source for credit and loan products, objective information, and more. Whether you’re shopping for your first home, a new car, or need money to pay for educational expenses, we can help.
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1-800-WACHOVIA

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