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How to Use Internet Phone and Save Money on Your Home Phone

How to Use Internet Phone and Save Money on Your Home Phone

Are you looking for a new home or office phone? If the answer is yes, then you have come to the right place. Using Google Voice to get a free home phone is better than the likes of MagicJack, NetTalk, Skype, and many other services that offer you an internet-based phone service.
Google Voice is an exemplary service to make free phone calls to anyone in the USA and Canada. This service has already made a lot of buzz in the free phone and calling market because not only can you make free calls with Google Voice, it also lets you send free text messages to these two countries. Google recently announced that Voice will be free until the end of 2013. Although I was off by a week to guess this on Free Calls Hub, I had a good sense why Google would let it say free. Having said that, we are taking this service a step further today, as we’ve discovered a method to use Google Voice to replace your home phone without any kind of monthly payment.

Dedicated Resources Are History

While you might have felt the need for a computer or laptop all the time when you were using services like Gchat or Skype, here is an alternative solution that we are going to talk about:  there is no need to have a computer running all the time, acting as your ATA server. You can have a FREE home phone system without a computer using Google Voice.

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How to Get This Right Away

To begin with, make sure you have a high-speed internet connection. To make a call right from your phone, you will need a telephone system, so you can either use an existing system or buy a new one from DECT phone via Amazon (or another favorite store). Then, go online and create a Google Voice account. We would strongly suggest that you create one dedicated account for this system that is separate from your personal Gmail account.

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google voice
    google voice screenshot

      Need help setting up a Google Voice account? Visit google.com/voice and register for a new account. You will be able to select the phone number of your choice and verify it using your phone. Next, you need to go to Voice settings. First, turn call screening and do not disturb settings OFF. Secondly, the incoming number should be set to caller’s number. The final step is to make a call to a home phone from the Gmail account using the Call Phone option for this account. This is one of the recommended steps by ObiHai to get this device working.

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      OBiTalk Network
        OBiHai

          You will also need an OBiHai Adapter to put the whole system in working condition. The Obi202 is the latest adapter on the block. Once your Google Voice account has been created, connect your Obi202 device to your adapter and home phone. Press *** on the Obi202, read the IP address, and go to this page by ObiHai to complete Google Voice set up.

          That’s it! Here you have enabled yourself to get out of the circle of monthly payments with a free home phone line.

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          How did you like the article? Please give me feedback and leave the comments if you have any specific questions.

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          Mukesh Agarwal

          Professional Blogger

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          Published on January 8, 2021

          How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

          How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

          Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

          The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

          Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

          What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

          Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

          1. Pay More Than the Minimum Credit Card Payments

          Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

          Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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          You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

          The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

          2. Start With High-Interest Credit Card Debt

          If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

          First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

          At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

          3. Revisit Your Budget

          Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

          You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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          Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

          If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

          4. Avoid Using Your Credit Cards

          Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

          The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

          It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

          5. Start a Side Hustle to Boost Your Income

          You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

          If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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          Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

          It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

          6. Sell Your Used Items for Extra Cash

          Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

          A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

          Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

          When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

          7. Know When to Seek Help With Your Debt

          Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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          There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

          In extreme cases, the debt solution can be:

          • Debt relief – where your debt is partially or wholly forgiven
          • Debt consolidation – taking out one loan to repay others
          • Debt settlement – the creditor forgives a significant portion of your debt
          • Bankruptcy – legal process for seeking relief from some or all your debts

          It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

          Wrapping It Up

          Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

          So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

          More Tips on How to Pay Off Debt

          Featured photo credit: rupixen.com via unsplash.com

          Reference

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