Net Worth: December - 2008 Ends w/ a bang, Hallelujah!

December net worth Up $4k - not a bad way to start the year, eh? ... off all credit card debt: 100% A+ bustaroo! I actually accomplished this twice - once in the first ... enough, we used our wedding booty to knock it all off again!Pay off cars: B. Since the above [more...]

Date: 2009-01-06 14:44:19

Blog posts (132) | Videos (121)
 

Reader Mailbag #29

Each Monday, The Simple Dollar opens up the reader mailbags and answers ten to twenty simple questions offered up by the readers on personal finance ... (k) with $12K (I am 29), and a credit card debt of $1600 which I will be finished paying in October ... (k) contributions. Having $12K at age 29 isn’t a bad start, but I’d make sure I was contributing at [more...]

Date: 2008-09-22 14:00:00

The bailout may be killed by add-ons

The bailout may be killed by add-ons Posted Sep 22nd 2008 4:01AM by Douglas McIntyre Filed under: Deals, Bad news, Law, ... to potentially allow purchases of instruments such as car loans, credit-card debt and other devalued assets ... , if the plan is extended to include individual home mortgages and things like auto loans, the size [more...]

Date: 2008-09-22 12:35:18

Did You Make a New Year’s Resolution?

Therefore, if anyone is in Christ, he is a new creation; the old has gone, the new has come! ... : Lose weight Quit smoking Find a new job Get rid of credit card debt Reconcile relationships ... between the "desire" and the "decision." If we want to break a bad habit or form a new attitude [more...]

Date: 2009-01-09 13:44:00

This Could Be The Day

This could be the day that you… decide to get out of debt start to live on a budget stop arguing with your spouse start talking to you spouse teach your kids about money send five extra dollars to the credit card company get rid of bad spending habits embrace bold, significant change choose to believe that you are worth it choose [more...]

Date: 2009-01-06 12:15:05

The bail-out may be killed by add-ons (pfblogs.org)

Filed under: Deals, Bad news, Law, HousingThe list of additions to the $700 billion Paulson bail-out plan could well kill it ... , "a change to potentially allow purchases of instruments such as car loans, credit-card debt and other ... , if the plan is extended to include individual home mortgages and things like auto loans, the size [more...]

Date: 2008-09-22 08:51:01

Campaign Updates and Media Headlines 10/1/08

Now THAT’s bipartisanship: New York Times (click through to see the map and the roll call list) ... to mention that bad debts are growing even among people recently considered good credit risks. At end ... at end of June. We’re also seeing a growing amount of credit card and auto payments past due [more...]

Date: 2008-10-01 19:58:22

Bailout Bandwagon Full…Please Catch Another

The bailout soup line is getting longer and longer. Heck, it is around the block ... billion the government set aside for car, student loans, and credit-card debt.  We got ... “Pork” is Really Going to Cost Us! Mmmmm Pork. No not the kind you may find...The Fed: A Bad Game [more...]

Date: 2008-12-23 17:24:58

How I Got Bad Credit

July 31, 2009 | By Frances Lexington In Finance | by Frances LexingtonA few months, I went through some rough moments in my life. I got laid off after the company I worked for went down. The bills piled up and I was unable to make my monthly payments. Eventually, all of my credit card accounts were charged-off and sent to collection agencies.My life became a living hell of collection calls and non-stop harassment from debt collectors. [more...]

Date: 2009-07-31 23:37:24

BMW Smart key concept multi tasks as your credit card

After news that Ford is developing the MyKey, to keep your children's driving habits under check, BMW has now gone ahead and developed a new key that could double up as a credit card. Considering ... that it will ease the process for rich people to just pay off their parking, groceries, and bad debts via [more...]

Date: 2008-10-22 12:40:08

2008 Goals Review and Preparing for the New Year

One year ago, I listed my goals for 2008. Here’s a review of my list from last year. Pay off all Credit card debt - Failed! ... in my primary checking account, which helps make budgeting easier and can serve as an emergency fund if needed. Earn $20,000 (gross) from side businesses - Not bad. I didn’t make it to $20,000 [more...]

Date: 2009-01-06 22:33:00

CashAdvance Nightmare!

Dont get yourself in the cash advance hole everyone needs loans but dont do what some friends of mine did ... then when things get bad cant pay the mortage you gotta move payday loans will not lend you the money you need ... of them to pay your bills your just going to get in debt 10 times faster then credit cards. My advice [more...]

Date: 2008-12-13 03:31:30

Consumer civilization collapses. Now it's all up to MAKE magazine!

http://blog.makezine.com/archive/2008/12/remake_the_world.html? ... was that the credit-card-driven, debt-ridden, pay-later economy wasn't sustainable. Not economically ... of times and the worst of times." We hear plenty about how bad it is or how bad it is going [more...]

Date: 2008-12-13 11:54:01

Economy so bad National won’t take advantage?

Heat on public sector bossesPublic service bosses face renewed pressure to cut spending as Treasury warns the economy will stall this year and ... in the face of warnings New Zealand's credit rating will be downgraded if debt gets out of hand ... , plasma TV’s and cosmetic surgery on credit cards wasn’t sustainable (who would’ve thunk [more...]

Date: 2009-01-15 18:18:00

Another Bad Day Dawns in Asia

As of this writing, the Nikkei is down nearly 500 points. Singapore is least trashed, down 3%, the Hang Seng is down over 6% ... no confidence in Paulson's latest folly, the "let's bailout credit card debt so the banks can let consumers ... in at least 15 years, according to Credit Suisse AG. ``Besides [more...]

Date: 2008-11-13 04:32:03

Financial Fitness: Why Your Income Doesn't Matter

We have a bad tendency to think that how much we make determines to a large part our financial fitness ... % of her monthly income). This is all on top of five-figures of credit card debt. source I guess [more...]

Date: 2009-01-08 11:08:00

Obama Wants Everyone Out of Debt Erase Up to 50

This administration realizes that the economy is bad and people are suffering President Obama is trying to put a limit on the amount of interest the credit card companies can charge you But perhaps you have already gotten into trouble with your credit card and don't know what to do about it [more...]

Date: 2009-09-11 07:42:37

Tucson: More People Fighting Evictions

The ailing economy is keeping things busy for the Tucson courts these days Lawsuits over unpaid debts and other financial disputes are up 33 and 45 ... filed over bad checks, repossessed vehicles, loan defaults, credit cards and other contract disputes [more...]

Date: 2008-11-02 15:41:59

Bizarre: Reading an Anti-Bailout Piece in the Toronto Star

The Toronto Star picks up David Ignatius' syndicated column on the subject of bailouts ... would be that bad behaviour brings a rescue. If Wall Street investment banks can get away ... , or who maxed out his credit cards without a hope of repaying the debt? What the heck? We're [more...]

Date: 2009-01-05 20:40:00

Emily’s List: 'Poor' musician edition

Happy Friday! Today is the birthday of several music greats; Joan Baez, Jimmy Page, Dave Matthews, and even AJ McLean of the Backstreet Boys ( ... and debt. 1. Everyday Finance explains what your FICO score is and why it matters. Don't feel bad ... of the composer Johann Strauss. This week's credit card roundup of posts from around the personal [more...]

Date: 2009-01-09 15:30:21

Why Bail? The Banks Have a Gun Pointed at Their Head and Are Threatening to Pull the Trigger

From Talking Points Memo: If you have a real story, you don’t have to make up phony stories. That’s pretty straightforward ... with so much bad debt that the banks can’t trust each other to repay loans. This creates a situation in which the system of payments breaks down. That would mean that we cannot use our ATMs or credit cards [more...]

Date: 2008-09-29 23:25:39

Sell Stock to Pay Down Debt?

I received an email from a reader about whether it was a good idea to sell their non-registered portfolio to pay down debt ... consensus is to not start a non-registered portfolio until all bad debts are paid off. But does that make sense all the time? Here is the readers situation: Credit Card Balance: $20,000 Interest [more...]

Date: 2008-09-23 10:30:06

Debt consolidation service

Nowadays almost all adults in American society has credit cards in their wallets ... is, there are companies who are willing to help those people who are in bad credit situation in fixing [more...]

Date: 2008-12-02 04:26:46

JPMorgan profit drops 76 percent

JPMorgan Chase & Co. said that its profit fell 76 percent as rising defaults. The company said in a statement that the year-old U.S ... More consumers are paying late on their credit cards and mortgages, forcing banks to increase reserves, the statement said. JPMorgan has almost tripled its provisions for bad debt in the past year. Fourth [more...]

Date: 2009-01-15 14:23:57

Bailout homeowners first: expert

by Frank James The ever compelling Dr. Nouriel Roubini, ... loans, credit cards, auto loans and student loans) while their assets (values of their homes ... themselves of the bad debt they're holding, he also believes what the feds priority should be to put [more...]

Date: 2008-09-19 13:38:28

Life goals for 2009

This time last year, I had three New Year resolutions: pay off all consumer debt in four months, ... : Never miss payments on credit card and mortgage loan. Last year, I had two late payments ... two steps backward and one step forward in personal finance may not always be bad. Like buying [more...]

Date: 2009-01-03 01:00:32

Bush widens scope of bailout

Bush widens scope of bailout Bloomberg | Bad loans now may include car loans, credit-card debt and other devalued assets held by banks. [more...]

Date: 2008-09-22 15:31:53

What Is Your Weakness?

We all have one. Something we love that we can’t bring ourselves to give up even when we’re busy paying down debt or saving for a really important ... Not all weaknesses are bad. For example, if you’ve given up everything so you can pay down some credit ... Manicures Car washes Weekday lunches out Vending machines snacks Interest charges on credit cards [more...]

Date: 2008-09-29 13:29:22

5 Last-Minute Ways To Reduce Your 2008 Taxes

Is it bad that I am basically counting my 2008 tax return as spent money? It’s all going to credit card bills and other random debt. Sad. Luckily there is still time to make sure my return [more...]

Date: 2008-12-19 16:57:39

Consumer Reports Retirement Survey: Planning Ahead May Be Just As Risky As Rewarding

February issue offers 17 moves to rebuild the nest egg and secure the future In the wake of big investment losses many have turned to Plan B to ... their credit card use and spent less on groceries and household goods. “When bad investments happen to good people, they have to work harder to slash debt, cut spending and save more. Switching to Plan [more...]

Date: 2009-01-06 12:09:04

Breaking News: Washington Mutual to be Acquired by JPMorgan Chase (Update1)

Update1: From USA Today… JPMorgan Chase (JPM) acquired the banking operations of Washington Mutual, (WM) ... Credit Card? » WaMu Increases Online Savings Interest Rate » Cancelling John Hancock Life ... . This makes me wonder if the government might not be picking up some of WaMu’s bad debt to sweeten [more...]

Date: 2008-09-26 01:10:10

No getting laid in the NYT

Rob Walker's "Consumed" column in the NYT Magazine on Sunday (9 November) looks at prepaid credit cards, in particular the Prepaid Visa RushCard, "the product of a partnership between Unifund (a Cincinnati company best known for buying up and collecting on bad debts [more...]

Date: 2008-11-12 15:59:03

How Bad Is It?: Leveraged Loans at Slowest Volume Since 2002

How Bad Is It? is a Deal Journal feature focused on confirming or debunking the worst fears about the credit crunch ... after the credit crunch hit, investment banks still are facing full trash bags of old leveraged ... of high-yield debt for Canadian telecommunications operator BCE; $4.3 billion for credit-card processor [more...]

Date: 2008-08-20 12:22:00

Money Tips for a Bad Economy - How to Spend Less and Save More

With big corporations like Washington Mutual, AIG, and Merrill Lynch unable to pay their debts, ... to those numbers is to shop only with folding money or a debit card. Debit cards wearing a bankcard logo are typically welcome at most stores where credit cards are accepted. This way, you pay cash [more...]

Date: 2008-10-01 18:12:45

ClearDebt

Around this time of year I know that many people pull out the credit cards to finance the holiday season ... , but in the season of giving I feel bad if I don't get stuff for people. We really have done better ... . Debt can cause a lot of problems in a persons personal life, as well as with their credit. Having [more...]

Date: 2008-12-23 23:41:13

Former TV news presenter Ed Mitchell on how alcoholism and debt left him sleeping rough

Link:http://www.guardian.co.uk/lifeandstyle/2009/jan/15/question-time-ed-mitchellHannah Pool Former ITN television news presenter Ed Mitchell, ... . It was thousands and thousands of small, subconscious bad decisions, influenced mostly by alcohol ... been juggling what must have been 25 credit cards to keep things going.How did you get to 25 cards [more...]

Date: 2009-01-16 08:14:00

36 Symptoms Of Money And Financial Problems

Are you headed towards a financial disaster? You may not know it yet but your current lifestyle could be leading you into a pit of debt ... off old debts. money-problems You get denied or turned down for a loan or credit card ... some people are oblivious of their state, a good number also try to live in denial of their bad [more...]

Date: 2008-09-04 00:21:23

The Physical Side Effects of Debt

Anyone who has carried a heavy load of debt is keenly aware of its ability to strain your budget and your relationships, ... forced to stay in a bad job because relocating is simply not an option when living paycheck to paycheck ... like to donate to banks and credit card companies. Financial Peace Now imagine for a moment [more...]

Date: 2008-06-25 02:10:57

The Bad Paper Chase

The Bad Paper Chase November 26th, 2008 admin And the handout/buyout craze continues ... such as credit cards, auto loans and student loans. By all means, let’s just keep buying up debts from people ... Loan Banks. It also will purchase another $500 billion in mortgage-backed securities, pools [more...]

Date: 2008-11-26 07:37:00

Canary in the Mine, Chirping

Few really bad ideas escape being floated in the New York Times:In the case of the Treasury, ... , increasing interest rates for home- and auto-buyers, for businesses and credit-card holders ... the money comes from the same wellspring that has been financing American debt for decades [more...]

Date: 2008-12-28 20:31:00

Obama Wants Everyone Out of Debt – Erase Up to 50%

This administration realizes that the economy is bad and people are suffering. President Obama is trying to put a limit on the amount of interest the credit card companies can charge you. But perhaps you have already gotten into trouble with your cre... [more...]

Date: 2009-09-11 16:06:20

What If You Can’t Pay All Your High Priority Debts

by Ian Pelham Although individual priorities may vary, ... that your financial situation is so bad that your cannot even maintain required payments to those high ... I can pay my credit cards.” Not a good idea at all. Virtually every strategy to keep your home [more...]

Date: 2008-12-22 18:55:18

Life After Debt

By Alphonso Smith Bad credit hangs over your head like a deadly guillotine. Although it can be all comsuming, it can be overcome ... is that bad credit and bankruptcy do not necessarily deprive a person from obtaining a credit card ... out there that specialize in giving unsecured credit cards to people with bad credit. Their thought [more...]

Date: 2008-12-15 20:03:13

Past Problems with Credit Cards: A Confession

Writer Auditions - Author Henry Brown - Offer Your Feedback Here’s a little something about me: ... to people facing high credit card debt, bad credit, and all of the other credit problems that becoming ... I was an expert on credit cards before I was an expert on my own credit card situation. A few [more...]

Date: 2008-07-17 13:00:26

Credit Counseling

.fullpost{display:inline;} I found a site that helps you to process requests for credit card online. They almost sixteen varieties of credit cards ... popular networked credit card are Visa, MasterCard, Discover and American Express. If you have a bad ... . Platinum card is what I'm planning to get here mainly because of some good things as debt credit card [more...]

Date: 2008-10-16 05:46:00

Making a Plan to Get Out of Debt

by Ray Lam Debt elimination sounds so good to people with financial problems but can also seem like a unattainable dream ... bankruptcy debt discharge may not completely legally eliminate debt leaving you will a bad credit ... consolidation loan. Although debt consolidations do not erase the debt, they will eliminate credit card debt [more...]

Date: 2008-08-11 07:20:28

More Info On Good Credit History

Bankruptcy is an option but the laws havechanged and it is not always the best way ahead ... you may have ended up hindering you. Bad Credit Personal Loans Getting your credit card debt ... . It is often the case that these credit card debts have increased over a period of time because [more...]

Date: 2008-12-20 06:29:26

Beginner’s Guide To Reducing Credit Card Debt

by Jenni Snook These days, it’s not uncommon for us to own at least one credit card ... of this is to credit cards. Getting a credit card has never been easier. There have been both good and bad ... themselves in such a situation has little options. It’s recommended that you get yourself a credit card [more...]

Date: 2008-12-15 09:54:59

Easy & Practical Tips To Significantly Reduce Credit Card Debt

by Jenni Snook These days, it’s not uncommon for us to own at least one credit card ... of this is to credit cards. Getting a credit card has never been easier. There have been both good and bad ... options. It’s recommended that you get yourself a credit card from a large provider such as Mastercard [more...]

Date: 2008-12-15 09:55:05

Bad Credit and the International Debit Card

Saving Face with New Debit Cards that can Help those with Bad Credit It isn’t always right to believe that there isn’t any way out of debt when you have bad credit. People around the world tend to find themselves at a financial disadvantage ... t have a credit card, it is next to impossible to pay bills nowadays. Most places usually refuse to accept [more...]

Date: 2008-12-05 17:41:30

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