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Important Note:

June through November our agency may become prohibited from binding coverage should a “Tropical Disturbance” enter the Gulf of Mexico or Caribbean Sea.

In these cases we may be unable to bind new coverage quoted in open proposals until the storm leaves our area and our binding authority has been restored.

Please arrange your coverage protection early to avoid this type of delay. While we regret any inconvenience, the carriers impose these restrictions on all agencies.

5 Steps for Getting out of Debt

Debt is a challenge any time of the year. Life changes, shifts in employment, and more both in and out of our control can affect our financial well-being. During the holiday season, Americans tend to pile on more debt. Travel, gifts, and more put extra strain on the bank account. Come January, many are faced with large debts and the New Year is already off to a rocky start. Stop the cycle. This year, take control and shake loose of your debt. Follow these 5 steps and eliminate debt once and for all:

1. Start Saving

It sounds simple and that’s the challenge. To start saving, create a savings goal. For most people, the best place to begin is an emergency savings fund. Most professionals recommend an account equal to a month’s income for responding to emergencies. Most Americans lack sufficient savings or any savings at all. Create a defined savings goal, and plan for making regular deposits to achieve it.

2. Stop Borrowing

It can be difficult to get out of debt if the debt continues to grow. Start getting out of debt by eliminating credit spending. During the holiday season, the urge to give can take over, leading to increased spending with credit cards and other borrowed funds. To help limit debt size, make purchases with available funds.

3. Get Organized

To pay off debt get a grasp on the number of personal debts, the debt size, and the interest rates for each. Most strategies suggest clearing debts with the highest interest rate first. The more paid toward the principal balance the faster a debt is paid. Another common strategy recommends paying off debts with the smallest balances first. As small debts are paid continue to budget for them, and roll the payments into the paying off the next debt. Becoming organized will alleviate debt-related stress and make it easier eliminate debts once and for all.

4. Get on a Budget

Will savings goals established, a limit placed on adding debt, and a clear picture of financial obligations, create a budget. A budget tracks income, obligations, and expenses. Many people are surprised to see where the money goes each month. Small amounts add up each month. Create a budget and pay off debt faster. With a budget in hand, set realistic financial goals and create a plan for achieving them.

5. Take Action

A budget will define the paths for getting out of debt. This may reveal a need for increased action. For some, debts may outweigh monthly or annual income. Others may want to get out of debt faster than the current budget schedule. With a plan for getting out of debt in-hand, take action. This can include finding additional employment, reducing the amount spent on entertainment, and much more.

Getting a firm grasp on finances, creating a plan for approaching them, and seeing that plan through can help eliminate debt. This year take control of monthly financial obligations and get out of debt.