What You Should Know About Debt Management


A debt management program is an excellent way to get rid of all your debt troubles. A debt management plan is an agreement between a creditor and a debtor that contains the terms of debt. The purpose of the agreement is to reduce debts and to help the debtor to gain financial control over a short period. It also helps creditors receive the full amount of money they are owed. Debt management plans are used when the debtor has a low financial capability and can only manage to pay a small amount monthly or make the repayment in a couple of months.

How to come up with your debt management plan

1. Get a record of your expenses and income


Gather all the credit card statements, receipts, bank statements and bills and estimate your monthly budget. Join personal finance software like Mint, AceMoney, and BudgetPulse. Or you can just create a spreadsheet. You could chart your income and expenses. A spreadsheet allows you to identify problems in your spending habits. Come up with a document containing your budget for the past one year Analyze your monthly budget

2. Create your budget

Make a preliminary budget. Set goals on how to spend Maximize on tax advantages.

3. Be a budget pro

Reduce your expenses and stick to your budget. Make a point of paying off your credit card balances monthly.

Debt Management Programs

Debt management programs take 3-5 years and require a lot of commitment. If you don’t complete your term, you risk losing the concessions made by the creditors. While in the program, all credit card accounts are to remain closed. You must ensure that you contact your creditors and establish if they have accepted your payment plan as proposed by your credit counseling agency.

eferfgrgthIt is important that you spend an hour with a counselor prior signing up for any debt management plan as they will offer you expert advice. They will advise on how to control your spending and to how to reduce your debt, and you will be given your new customized budget according to your particular situation and spending rate.

In conclusion, participating in a Debt Management Plan is the right way to go when you have an outstanding debt and bad spending habits. Credit counseling organizations will offer you all the help you need and give you counseling sessions. When looking for a credit counseling organization, go for one that has a little monthly maintenance fee and a one-time fee. You could carry out research on debt management organizations and find one that suits you.…

How Can You Manage Your Finances To Be Debt Free


You need to manage your finances effectively so that you stay out of the red light. Handling your finances may be a difficult task if you don’t know how to do it. The following are simple ways on how to manage your finances.

Stop making unnecessary expenses

It will help if you cut down on the expenses that you don’t need to spend on. You can do this by making a list on what you need to buy and avoid what you don’t want to use.

Start budgeting

fttgdsfdgrIt is important that you begin planning on how to spend the money you have. You can do this by budgeting as it is an excellent way to be in control of your finances. This will help you to keep yourself overspending and stay on track on your spending and the amount of cash to save. Keep a track on your expenditure by making a list, online budget planner, or create a spreadsheet.

Stop using credit cards if possible

Credit cards are convenient to use, but they can easily make you fall deep into debt. It is easier for you to spend money even if you do not have that cash at the moment. This can encourage more spending as you use money and you are charged later. It is so dangerous because you may end up spending more than you can afford to pay. It is nice to shop with cash as you have to pay for what you want. This will help stop you from overspending and keeping track of your money.

Consolidate your debt

dedfrgtgtfdgthtyYou can consolidate all your debts and merge them to be one loan. Once you get a low interest card and you got a high rate or large balance, transfer it or consolidate it to the credit card. You can be able to pay your debt within a short period and easily with a manageable interest rate. Make sure that you will never be buried in debt again if you ever acquire a sizable debt.


It is advisable for one to apply for a low interest rate credit card if you ever need one. Don’t sign the agreement if you don’t understand it. You should request a credit card that doesn’t require you to pay high interest rate if you need it for business or if you are working. You could save more money by paying a lower interest rate.…

Seven Sows – Asheville NC Southern Cuisine

Voted Top Ten ‘Best’ Fried Chicken in the United States

by Yahoo Travel/Lee Brian Schrager Miami-SOBE/NYC Wine & Food

(828) 255-2592 / 77 Biltmore Avenue Asheville, NC USA


At Seven Sows, in downtown Asheville, NC, we combine a unique interpretation and modern spin on cultural classics. We pride ourselves on being different. The roots of our cuisine lay in the food memories of our youth and the travels and experiences of our journey as cooks. We have hung our decor ,including century aged white pine from North Carolina farms, to reflect some of the artifacts of a timeless era in our part of the South. We take pride in hospitality and have a smiling team of knowledgeable and efficient staff to make your special dining experience warm and truly memorable.


Seven Sows is a restaurant which focuses on an impressionable and memorable dining experience with down to earth decor, warm and friendly service and delicious food and drink rooted in the nostalgia of our heritage and our past. Seven Sows sets out to embody the interpretation of a southern focused cuisine with impressions of French and modern American techniques and above all a boundless and bold creative spirit.


While we have a full bar with all libations from vodka, scotch, gin to rum, we specialize in that one spirit born right here in the American South – bourbon. We offer an exclusive selections of bourbon, whiskeys and rye from Kentucky to Tennessee to Japan. We are proudly armed with two craft bartenders who’s masterful minds will impress you – The Brothers Knighten. Russell and Malcolm of Asheville will be pleased to tell you the story behind each and every one of these special libations. Our bar program includes delicious and outstanding craft cocktails which are ever changing with the seasons including house made drams with spice and local fruits to infusions and bitters. Our cocktail menu is proudly fantastic and will tempt and treat you from the Adios Muchacho (Suaza Blanco Tequila, Del Maguey Vida Mexcal, Lime, Pineapple & Jalapeno) to the South Slope Shandy (Heritage Cheshire Bacon Infused Old Forester Bourbon, Lemon, Sow’s Garden Thyme, Peach Bitters & Pilsner). Not sure which bourbon is your favorite? Take our whiskey flight and choose your favorite medicine.

We select the very best seasonal ingredients from area farms, gardens and wild foraged foods from the valley and mountain forest floor as well as select whole animals from heritage breed hogs to mountain lamb, goat and chickens. We also grow a special selection of heirloom vegetables on beautiful acreage of valley land upon Western Buncombe County in the Rabbit Ham Valley which we call home. This special selection and labor of love, to us, provides our cuisine with the most amazing flavors you could imagine. This is what is important to us. ‘Cook what you know.’


Every plate achieves that elusive, cuisine-defining balance of nostalgic flavors with sweet, salty, and sour — even dessert.

Our South: In our South, cornbread is magic and must be conjured in a cast iron skillet and come out yellow, soft and sweet. We rhapsodize about homegrown vegetables cooked simply with salt and pepper. The pot likker is something of a miracle especially when involving filet beans and ham, fresh field peas and butter or slow cooked dixie speckled butter beans and smokehouse bacon. In our South, we marvel in the simplest of things like the thick round slice of fresh summer tomato with a slice of soft white bread and mayonnaise. The one thing perhaps equally important as the food we consume is the people we consume it with. The breaking of bread is sacred and we take pride in offering this experience for you here. Seven Sows accommodates all parties big or small and families are more than welcome.

Food for everyone: We offer a kid friendly menu and will cater to the the needs of any specialty diet. We offer exclusively fresh ingredients with menu items that change weekly with our repertoire. We are a full service restaurant with some of the most memorable service and cuisine you will receive from caring and passionate cooks, servers and bartenders. We offer on and off site catering to fit your needs and will gladly host your special event with us.

LATE NIGHTS AT THE SOW: Eat, drink and dance the night away to our very special late night party once per month. The lights go dim, the music gets loud and the menus get funky! Seven Sows stays open for late night dance parties every few Saturdays complete with a very special food and drink menu and live spin and music under a disco ball. Look for the next late night date and menu advertised on the news section of this website and on our social media sites. Late night hours are tentative to the end of regular dinner service and are set to start at 11pm-2am.

Next Late Night: Saturday Oct 25, 14



Mike was born in Elm City, Wilson County, North Carolina. His family had settled in Eastern North Carolina since prior to the American Revolution from Ireland, England & France among an agricultural legacy and community of sharecroppers and heritage farmers which are his roots. Leaving a career in law enforcement in Raleigh, NC in his mid twenties, Mike worked and trained in San Francisco at The California Culinary Academy and at a number of restaurants such as Aqua, SF and Rogue Chef Culinary Company in Half Moon Bay. Mike relocated to Asheville, NC, in 2004 and has worked in the Asheville restaurant scene for a decade in and through its changes and growth. Mike has experienced much from cornerstone kitchens such as The Market Place Restaurant under Fred Snyder and Mark Rosenstein and most recently at The Admiral with executive chefs Elliott Moss and Drew Maykuth.

In 2010 Mike launched a charity driven group of local chefs and friends which became the Blind Pig Supper Club. Three years, 78 conceptual dinners and thousands of dishes later The Blind Pig and its local and inspired chef collaborators have become a nationally noted charity fundraising organization that inspires creativity among its performing chefs and creates a boundless dinner experience for its guests.

Mike opened Seven Sows in March of 2013 with partner Jason Caughman. The vision is a restaurant concept focused on American and Southern cuisine widely inspired by the roots of his heritage. Mike leads the kitchen as executive chef and works to foster creativity, focus and motivation for the kitchen team.



Todd’s passion for cooking originated in his grandmother’s kitchen inspired by her beloved cooking, gardening and preserving food in Lenoir, NC. Primarily self taught, Todd has a music degree from Appalachian State University and worked through college in various kitchens of Boone, NC. Todd moved to Washington DC in 2008 to further his culinary experience. Through handwork and dedication to local and seasonal cuisine, Todd led the kitchen team at Restaurant Nora in Washington, DC as executive chef of the first certified organic restaurant in the United States. in 2014, Todd relocated back to WNC with his family and worked with Chef Kyle Mcknight at Highland Avenue in Hickory. In March, 2014 Todd relocated to Asheville, NC as Executive Sous Chef at Seven Sows and after five months of diligence, craft, passion and hard work was promptly named chef de cuisine in August of 2014. Todd is a major addition to the chef team at Seven Sows and is duly noted as lending creative inspiration of the ever changing menu from his experience and his travels as a cook. Todd’s practical thinking, grace in preparation and hard work shine through the menu as he helps lead the team.



Nick was born and bred in the capital city of Raleigh, NC. After attending college at Rochester Institute of Technology in NY, Nick travelled independently through Italy and returned to the U.S. with a further fondness and inspiration for cuisine. Nick thereafter relocated to Asheville, NC and graduated from the prestigious culinary program Asheville-Buncombe Technical College. Nick has worked his way through the kitchens of Asheville and landed at Seven Sows 6 months after inception and has been hard at work ever since on the line as well as assisting at numerous charity dinners at Blind Pig. Nick was recently featured as a chef at Blind Pig presents: ‘The Lonesome Highway’ dinner event held for the Hank Williams legacy and the creation and execution of his dish appropriately named ‘cold, cold, heart’ was given center stage by a feature from Garden & Gun Magazine in July 2014. Nick is Inspired by charcuterie, whole animal butchery, Waylon Jennings and Cheer Wine, Nick is a true son of all things Southern North Carolina and is a recent addition to the leadership and management of the cuisine in the kitchen …