Two Financial Goals - Less Debt, More Income

This article is part of an M-Network group writing project, the 12 Days of Christmas - Personal Finance Style ... beast which can be incredibly difficult to slay - especially credit card debt, which can have interest rates over 30%. If you only make the minimum credit card payment, it will take you years to pay [more...]

Date: 2008-12-02 11:10:55

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Later, she left an anguished message saying that she loved him, but couldn’t deal with his angry, hurtful outbursts ... is, debt costs! If you are paying interest on credit cards, a car payment, and a house payment ... of free traffic to your site is by writing and creating your own free report or ebook, based [more...]

Date: 2008-12-29 16:33:59

Anyone Can Fall In Debt

You wouldn't know it from their Bresson-like hyperrealistic depiction on TV, ... by Callcredit, a credit report agency which also offers free advice for the debt-impaired. Donning ... to pay back loans and credit cards taken out over 12 months ago.”. No sh*t, Holmes! We've taken [more...]

Date: 2008-11-20 15:35:30

Remake the World

In a recent column, titled An Upside to the Economic Downside, Ellen Goodman wrote: ... . It's when you learn what you already knew. What Americans already knew at some level was that the credit-card-driven, debt-ridden, pay-later economy wasn't sustainable. Not economically. Not environmentally [more...]

Date: 2008-12-13 03:03:04

TOPWRAP 1-More economic pain seen in 2009, govt’s to pump up aid

Investors said good riddance on Wednesday to one of the worst years on record and prayed that massive government rescue plans will pull the global ... -term as bleak economic reports roll in, signalling more bankruptcies, bad debts and layoffs through ... struggling to pay off mortgages and credit card bills. “It has been a shocking year, hardly anything [more...]

Date: 2008-12-31 05:44:34

You Can Legally Erase Your Credit Card Bill From Your Credit Card Company

American consumers can now legally and ethically discharge 50% of their debts that they owe to their financial institution. Not many Americans have been made aware of this fact because their CC company only wants them to pay the minimum payment each and every month and thus steal away their wealth from them pennies at a time so they go unnoticed.Last 5 posts by When Do You Apply For a Law Suit Loan? [more...]

Date: 2009-08-11 06:00:53

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

Treasury bid to halt rent-back evictions

Owen and Moira Martin are among the many British victims of companies offering controversial sale-and-rent-back deals ... agreement to pay off about £26,000 of mainly credit card debt. 'My wife had a heart attack on my 50th ... offer to buy the property of someone facing repossession at a discount price, allowing the former [more...]

Date: 2008-11-09 00:04:48

TANSTAAFL - Ya gotta pay it sometime!

When TMEW and I spend more than we should, we end up paying for it later - by not buying much later ... more debt than they took on... Seasonally adjusted consumer debt -- including credit cards, auto loans ... 1990s. Nonrevolving credit -- such as auto loans, personal loans and student loans -- dropped sharply [more...]

Date: 2008-12-16 18:44:16

Annotated Digital Culture Links: December 16th 2008

Links for December 16th 2008: The writer’s guide to making a digital living ... his online show is “silly,” but it helped pay off credit-card debt. One year after YouTube ... it, you had to erase it! Amazing stuff. Top 10 Most Pirated Movies of 2008 TorrentFreak - Surprising [more...]

Date: 2008-12-17 03:47:15

152nd Carnival of Debt Reduction

Welcome one and all to the 152nd Edition of the Carnival of Debt Reduction! I got a ton of submissions when I was worried about getting none ... the question every future parents considers in Should We Pay Off Credit Card Debt Before Having a Baby [more...]

Date: 2008-08-11 13:00:20

The Daily Poverty Post.

Yesterday, Suze Orman went on Oprah to talk about her latest book, Suze Orman’s 2009 Action Plan, ... at the Poverty Party. Except when Bossy talks about the importance of your FICO score, she doesn’t jab ... are a few of Bossy’s notes from the show: Pay off your credit card debt before anything else [more...]

Date: 2009-01-09 13:28:31

Find debt consolidation nationwide!

How does payday loans actually work? Although having a loan is not a very welcome idea, the fact is that during emergency situations, ... the rate of interest and helps with your credit report, thus making you able to pay your loans easier ... when we urgently need to pay for our credit card bills, we did apply for a loan, lol! Good news [more...]

Date: 2009-01-13 03:16:06

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

by Ian Pelham Although individual priorities may vary, ... the lines of, “If I can’t pay my car finance, at least I can pay my credit cards.” This is a bad ... and their car before worrying about any of the other debts they may have. For some people in serious financial [more...]

Date: 2008-12-22 18:58:27

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

Fuck Wall Street

One part of my job requires that I keep abreast of financial stories, ... that it cannot erase their credit card debt, or enable them to stay in their homes anymore.I know, it’s hard ... , individuals in bankruptcy were allowed to take money out for their mortgage first, and pay credit [more...]

Date: 2008-12-17 23:58:00

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

Should You Pay Your Credit Card Bill Late? The Answer May Surprise You

One of our readers, Jay, sent us this question about debt negotiation: My wife and I earn $145,000 per year combined but have over $600, ... in student loans, over $8000 in 401(k) loans, over $18,000 in car loans, and over $93,000 in credit ... -interest credit card that will soon be paid off, our interest rates are pretty manageable. After [more...]

Date: 2008-12-09 21:00:39

Should You Pay Your Credit Card Bill Late? The Answer May Surprise You

One of our readers, Jay, sent us this question about debt negotiation: My wife and I earn $145,000 per year combined but have over $600, ... in student loans, over $8000 in 401(k) loans, over $18,000 in car loans, and over $93,000 in credit ... -interest credit card that will soon be paid off, our interest rates are pretty manageable. After [more...]

Date: 2008-12-09 15:49:26

9 Reasons for a good credit rating or FICO score

Does my credit rating really matter? That question goes through a lot of people’s heads as they max out their credit card or don’t pay their ... of having a good credit score can be very rewarding and fulfilling. You might be asking yourself, what exactly is a good credit score? Well, the average rating for people in the US with a debt below [more...]

Date: 2008-12-22 12:22:27

Some facts about debt settlement

Debt settlement or debt negotiation is a way of reducing or paying off completely the debt you have ... for bad credit has several approaches. The first step would be the analysis of your financial status ... at lower interest than most of the credit cards in the market. It would be wise to avail a loan [more...]

Date: 2009-01-17 06:36:46

Paying off debt

I wish it wasn’t like this but money has a lot to do with simple living ... the life you want. Back in my spending days, credit card debt and a mortgage were normal parts ... leads seamlessly to another. When I stopped buying, I started creating. I made the things I needed [more...]

Date: 2008-08-18 06:38:00

Learn How To Become Debt Free

I personally hate being in debt to any person or company, period. I prefer to pay cash because credit cards always seem to get me into more debt than I can handle. Sometimes, though, I realize that it is impossible to avoid getting into debt. Being in debt is bad [more...]

Date: 2008-12-30 09:12:27

Financial Solvency Details

by Dave Almentenk The high level of stress and the tension of paying your loan cannot be explained in written or words only a person who is facing ... of the debt consolidation for the people who have a bad credit card and this debt consolidation will definitely give you back your peace of mind and of course the money. What are the benefits [more...]

Date: 2008-11-25 08:33:17

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

Goldman Sachs and UBS Executives Will Forgo Bonuses

One of my concerns about the original bailout bill was that the money paid to financial institutions would be used to pay for outsized executive ... Money Be Used to Forgive Credit Card Debt?: ... ... bonuses. While companies must offer outrageous compensation to attract and keep the best executive [more...]

Date: 2008-11-17 16:41:38

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

A Good Start

Chris Dodd’s plan: WASHINGTON (AP) — Judges could rewrite mortgages to lower bankrupt homeowners’ monthly payments as part of congressional ... including credit card debt or car loans — from any financial institution in the U.S. or abroad in order ... their bad assets on the government in the massive rescue would have to limit their executives’ pay [more...]

Date: 2008-09-22 18:18:39

$150 000 in debt with credit card

I am about 27 years old and I am $150 i debt from bad spending habits and house payments as well as loans. I have kept a job but i am only able to pay little of my debt as just keeps increasing. I am looking into bankruptcy but i would like some further consulting. Thankyou Posted from: Ontario [more...]

Date: 2008-12-10 18:42:34

Pocket Profile: The Finance Buff

This week we spoke with The Finance Buff. His blog was named the Best Finance Blog for People Ready to Save or Invest by the CEO of Wesabe ... percentile! Credit Card Debt: None. Top percentile! What are your two favorite financial products? Why ... : Greater than 90% of Americans. Rent/mortgage: 34% of Americans pay more in rent. Credit Score: Don’ [more...]

Date: 2009-01-15 17:07:27

Smoothing Out Economic Wrinkles With… Botox

The economy may be in the tank, but some people are still willing to pay hundreds of dollars to look good ... , patients are reluctant to run up credit-card debt on a big ticket item like surgery. In a survey ... expenditure. As one dermatologist tells The Wall Street Journal: “Things are so bad that investments [more...]

Date: 2008-12-23 10:49:28

How to Replace Bad Financial Habits With Good Ones

This is a guest post from Leo Babauta of Zen Habits. His first book, The Power of Less, was recently published by Hyperion ... full of things we don’t need, bills we can’t pay, and low balances in our checking and savings accounts ... situation? Some ideas: Impulse spending. Overuse of credit cards or other debt. Spending without tracking [more...]

Date: 2009-01-14 13:00:09

No Home Equity Often Means No Health Care

Many people have dealt with rising healthcare costs by borrowing against their home. Now that’s gotten tougher, and so is paying the medical bills ... scrapes and stumbles led them to amass a pile of credit card debt and forced them to refinance ... -in-law," Deborah said Monday. The Krinskys are not alone in their scramble to make ends meet [more...]

Date: 2008-10-28 15:09:05

How To Avoid Major Pitfalls With Your Business Credit Card

You've started a business and now you need to start acquiring items for that business, ... – debt! Instead of making your dream of profit come true, you are watching said profit going out the door to pay your credit card payments that include high interest One day, thousands of dollars down [more...]

Date: 2009-01-18 06:04:58

Getting Ready for Christmas This Sunday Roundup

You better hurry up if you still haven’t found that perfect gift this Christmas because it’s coming really soon! ... on @ Investing School! Clever Dude reports that American debt shrinks in the first time ever!  It’s great ... ! What should we do with our money?  My Two Dollars takes a look at whether we should pay off our credit card [more...]

Date: 2008-12-21 16:45:02

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

The Debt Trap

It’s a lot more expensive and complicated to file for bankruptcy now (thanks, Republicans and their Democratic enablers!) ... who concentrates on bankruptcy. “There is no equity to pay off their credit cards ... are under the mistaken impression they can no longer file: Bankruptcy lawyers report [more...]

Date: 2008-11-16 13:29:46

I WANNA A NEW DRUG... ONE THAT WON'T MAKE ME SICK

Some may say this is a bit of a rant, but I believe it needs to be said, and it's my blog, so I will say it ... 2.  Credit card debt is at an all-time, unsustainable high 3.  The banking industry is in total meltdown ... to see what happens?   I'd like to offer another alternative... Pay Attention!  Each [more...]

Date: 2009-01-15 15:52:31

Tale of the first $350 billion of TARP funds

President Bush has grudgingly allowed General Motors and Chrysler to drive away with the last few billion bucks in Treasury’s TARP till, ... International Group (AIG, Fortune 500) so the troubled insurer could pay off an earlier loan ... York might incur in a new program to lend money to owners of securities backed by credit card debt [more...]

Date: 2008-12-23 14:47:31

A Guide to Debt Consolidation

by Joseph Then It’s unbelievable how some people are caught in bad credit and do not know how to get out of it ... consolidation. If you are having bad credit and are almost being forced to declare bankrupt ... of credit cards and with the “buy now, pay later” attitude that leads a lot of people having stuck [more...]

Date: 2008-06-08 22:03:08

FICO Toolkit for 50% Off

We wanted to share with our readers a great deal on learning about your FICO score and helping to get out of debt. Not sure what your FICO score is? ... is some of what it offers: Action Plan personalized to your credit report and goals 3 Credit Reports (from all three ... which cards to pay off first, etc. Fairness - It checks the fairness of rates to [more...]

Date: 2009-01-16 19:02:07

When Is The Last Time You’ve Reviewed Your Budget?

After yesterday’s post about making debt reduction a New Year’s resolution (and after emailing the HBHW newsletter list about it as well), the emails kept pouring in. I’m so excited to hear that so many of us are making it a priority in 2009 to reduce the amount of money we owe. Whether it’s paying of credit cards, a car loan [more...]

Date: 2009-01-18 02:13:26

Going Back to School, Adding More Debt, Hoping I Made the Right Choice

I haven’t brought this up here on the blog yet, but one of my big plans for 2009 is going back to school and getting a Master’s Degree ... new laptop.Monthly Update: Credit Card Debt Payoff ... . The bad: I’ll be adding $25K - $30K of debt. If I don’t get a big salary increase I’ll be paying [more...]

Date: 2009-01-08 07:29:26

Blackwater CEO Lights Pants on Fire in WSJ Op-Ed

Blackwater CEO Erik Prince's op-ed in the Wall Street Journal is so full of spin, sugar-coating, and quarter-truths, ... writes in Licensed to Kill: Hired Guns in the War on Terror. "He ran up credit card debt and worked day jobs, such as managing his father-in-law's flower shops and funeral parlor, to pay for martial arts [more...]

Date: 2008-12-17 19:14:15

Dave Ramsey, Common Sense Fix Rather Than Congressional Rescue

Financial counsellor and syndicated talk show host Dave Ramsey---where credit card debt goes to die---presents an alternative to the $700 billion ... all prepayment penalties to encourage refinancing or the sale of the property to pay off the bad loan ... Ramsey's plan: "Years of bad decisions and stupid mistakes have created an economic nightmare [more...]

Date: 2008-10-01 13:11:41

Friday: “You MUST pay the rent!” “But I CAN’T pay the rent.”

Suburban Guerrilla has this visual depiction of the consequences of Simon LeGree’s wage policies over the past 4 decades ... through some liquid assets in order to get back on my feet before I saddled myself with credit card debt and I still think this was the right decision.  I only charge hotels and flights on my credit [more...]

Date: 2009-01-09 12:57:58

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

American Profit Recovery

Two months ago, our credit card debt from Sears was over. I’m thankful to the Collection Agency that resolve this matters ... more profitable, but change the fundamental way in which a collection agency operated. They have a proven ... . The Agency agreed to our demands. We want to pay the remaining balance for up to 6 months [more...]

Date: 2009-01-10 01:07:14

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

The Correct Way to Pay Off Personal Debt: The Debt Avalanche

When it comes to mathematics, certain facts are universally agreed-upon ... from highest interest rate to lowest. You may find credit cards at the top of the list. It’s typical to see interest rates from 10% to 20% or more. Credit cards offered by stores often have the highest [more...]

Date: 2008-07-07 12:00:46

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