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 ... an annual fee as high as $155! However, let’s think about what having an unsecured credit card ... new way. Good credit is a goal. If you find that you have made some mistakes and now have less than [more...]

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

Blog posts (176) | Videos (229)
 

Should you respond to a collection letter?

Recently a family member sought my advice on a collection letter he had received ... to finance the bike, the dealership placed the interest from the loan and some accessories on a credit ... balance), he was still left with several thousand dollars of debt on the credit card. Since he went back [more...]

Date: 2008-12-29 19:42:57

Intensive care for your finances

Closed Green Door to Intensive Care UnitThe new financial climateLiving within your means and repaying some debt is going to be a difficult action to ... , credit cards, store cards, car loans, home extension loans etc. Hopefully your assets ... about debt, go and see your local Citizens Advice Bureau and ask to see one of their debt [more...]

Date: 2009-01-09 10:25:00

Eleven?

That's the number of questions Caroline Kennedy has answered in her pursuit to secure Hillary Clinton's seat, ... for election to the Senate, Ms. Kennedy would have to file a 10-part, publicly available report disclosing her financial assets, credit card debts, mortgages, book deals and the sources of any payments [more...]

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

Re-default nation

The big question looming over the push to rewrite the home loans of people struggling to make payments is whether or not such mortgage ... % of all first mortgages in the U.S. Dugan called the results, part of his agency's new Mortgage Metrics report ... consumers replaced lower mortgage payments with increased credit card debt?  Is it because the [more...]

Date: 2008-12-08 17:35:26

Student Debt Consolidation Loan

by Mary Bush Large numbers of college students make that common mistake each year of signing up for as many credit cards as possible ... tee shirts, water bottles, hats, gift certificates and more in exchange for a signature on a credit application. Of course, once the credit cards start to arrive, they’ll be using them to finance [more...]

Date: 2008-12-30 21:05:55

Looking Back On 2008

Although 2008 was a pretty bad year for the economy as a whole, personally it was pretty good ... habits that got me into so much credit card debt culminating in late 2007. I rebuilt my wife’s trust in me (still an ongoing process). I set up online access to ALL of our accounts so she can check [more...]

Date: 2009-01-02 04:32:24

The Tightening

Last week, we had a "belt tightening" meeting at work ... as well. Paying off credit card debt, saving more from each paycheck, putting off planned purchases ... there is some restoration of confidence. Counting on government spending to be the springboard to bring [more...]

Date: 2009-01-10 01:17:17

Should I Declare Bankruptcy?

One of our readers, Alicia, asked: I have one Credit Card debt with a balance of $15,000 can not pay the Min amount they want like 3, ... is because that is how long a bankruptcy will hurt you on your credit report. Bankruptcy actually stays on your credit report for ten years, but as long as you make your payments on time after the bankruptcy [more...]

Date: 2008-11-19 13:59:48

What To Do When You May Lose Your Job

According to the ADP National Employment Report, the US economy shed 250,000 jobs from October to November 2008.   Job loss can happen to you! ... .  Do you know how much money you need to live on?  Some people never check until they lose their jobs ... about your credit card debt. If you owe more than you can pay off in a three month period, then you may [more...]

Date: 2008-12-05 23:39:46

Pay attention, ladies

I'm having trouble mustering a lot of sympathy for this woman featured on MSN: Help! My post-divorce debt is killing me! ... with a small mortgage, had a small car payment and lived a frugal but comfortable life. She was in control ... , but she was very, very wrong. The couple maxed out seven credit cards for a total debt of $173,000 [more...]

Date: 2009-01-16 20:11:30

The Gasoline Tax And The Renaissance Of The Bicycle

With the rise of the US automobile industry, the bicycle almost disappeared as a means of transportation in America ... -guzzling ways." It's better to use the money for mortgage payments, credit card debt, or a rainy day ... American public roads in good repair. They determined that the deficit between revenue and expense [more...]

Date: 2009-01-02 00:31:42

6 Financial Mistakes You'll Soon Regret

Written on 9/24/2008 by me, Jay White, the founder of Dumb Little Man and an all around average guy ... app.Photo Credit: demi-brooke Assuming you haven't been under a rock for the last 10 years, I'm fairly ... advice of choosing credit cards, reducing debt, setting a budget, or managing cash. What I want to try [more...]

Date: 2008-09-24 04:24:28

Hepzibah Tales

Talking about money management and budgets is not something I enjoy. I’d rather discuss dismemberment, or the landscape of Idaho ... of the condo, plus some child-related debt. I did pay off all my credit cards, from the home equity ... happen. I am bringing my lunch to work, which is really a savings. I was fixing my big spinach salad [more...]

Date: 2009-01-14 03:33:40

Nike Bauer Iihf Face Off Women S Short Sleeve Hockey Shirt Usa

Your website is a crucial part of your online business. This class of Astral entities avoids the presence of man and prefer the solitudes of nature ... , interest rates, debt consolidation using your airline credit card so that you may secure maximum ... distance learning courses under the categories Independent Agent, Airlines, Cruise, Tours and Travel [more...]

Date: 2009-01-16 20:35:45

New Site for Financial Info

Just for fun I took the Bills IQ test and passed with flying colors ... they also have info on Credit card debt, a subject that is of vital interest to all investors and home buyers because of how it can impact upon your credit score. I used to think that financial information [more...]

Date: 2008-07-10 05:29:41

Bankruptcy and Buying a Home

Filing bankruptcy is a stressful time in a person’s life ... are now offering home loans for those who have a bankruptcy on their credit report. Some lenders will even ... . The loss of a job, unexpected medical bills, and overwhelming credit card debt are just a few [more...]

Date: 2009-01-03 08:57:46

8 Beginning Steps to Overhauling Your Overhead; Or, How I Paid Off Over $10,000 of Consumer Debt While Making Less Than $30K a Year

I am thinking about creating a new section to this site that concerns itself with personal finance ... , and a disturbingly large credit limit. And so, while I wasn’t exactly living “high on the hog,” whatever ... of credit card debt that I had to pay off, and I felt pretty desperate and pretty alone in this mess [more...]

Date: 2008-11-24 12:00:26

Queen Caroline

Gag...Nobility cannot be bothered with the rules and customs of the little people: If she were applying to be, say, ... a 10-part, publicly available report disclosing her financial assets, credit card debts, mortgages ... Michelle MalkinAh, Obama's Washington... 'tis a silly place: [more...]

Date: 2008-12-23 16:59:00

Debt Consolidation Loans For Bad Credit Dont Get Stung

It isn’t uncommon these days for consumers to be facing problems meeting their monthly payment obligations on loans and credit cards ... and have seen their good credit ratings suffer because of it. At this point they may be looking for a way ... things in mind to protect yourself from becoming a victim: Be Confident Your credit score may [more...]

Date: 2009-01-14 03:04:51

My Dollar Plan Month in Review - July 2008

I’m a firm believer in setting goals and making plans to achieve your goals. A great way to work your plan is to monitor it at regular intervals ... Quadrant of Personal Finance Blogs. We ended up with a good visionary score, but it looks ... for Your Mid Year Checkup 7 Ways to Payoff Credit Card Debt 12 Tips to Prepare Your Finances for Vacation [more...]

Date: 2008-08-14 13:29:54

Debt Elimination Tips: How To Reduce Debt With These Do’s and Don’ts

My own debt elimination tips and thoughts on how to reduce debt. I’ve learned from my mistakes so I hope you do as I say, not as I did. In the mid- to late-’90’s, I made accumulating credit card debt something of a hobby. It wasn’ ... that make you happy that are less expensive or, even better, free. DO: Build a lean budget and stick [more...]

Date: 2008-12-12 23:58:35

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 ...  Well these are the top posts of the Carnival. I greatly enjoyed all posts but check ... 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

CONSUME, DAMN IT!...

Oh, just look at how the assholes at the WSJ view those families who are fallen on hard times, and are doing what they need to do to reduce debt, ... EVANSBOISE, Idaho -- Rick and Noreen Capp recently reduced their credit-card debt, opened a savings [more...]

Date: 2009-01-13 01:19:00

Losing Confidence - and Sleep

Losing Confidence — and Sleep By Lisa Belkin Illustration by Barry Falls Already an insomniac, I find myself awake at 2 A.M ... one awake in the night, it seems. A report released today by ComPsych Corporation, a provider of corporate ... , the worries break down like this: Cost of living: 30 percent Credit-card debt: 29 percent [more...]

Date: 2008-10-27 15:47:05

FREE Report: How to Save Money as a Family

As a special gift to readers of this blog, I’d like to give you this free report on how to save money as a family ... Instantly! Excerpt from report: Paying Down Debt The credit crunch has hurt many consumers who have credit cards.  Due to the fact that the banks are hesitant to lend money unless one’s FICO score is 750 [more...]

Date: 2009-01-09 03:07:08

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 ... earlier, the statistics bureau said today, after gaining 11.4 percent in September. None of 18 economists [more...]

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

Money Management: PT Money

It's week 3 of our series of Money Management by Personal Finance Bloggers , and today we're talking to PT Money of the blog of the same name. Previous interviews: Moolanomy , No Debt Plan , ToughMoneyLove and Gen X Finance . How do you spend: cash, debit or credit? I use my debit card most of the time. For bigger purchases or for travel I will use my credit card. I do this is to get the points. I don't really carry cash. Although, I sometimes wish I did. I think it might make me spend less. [more...]

Date: 2009-10-01 13:01:05

A Letter from Twenty Years into the Future

One of the nice things about maintaining a blog is that it creates sort of an online journal to track the major milestones in your life ... s see how you did. I’m So Glad You Became Debt Free Next to marrying your soul mate and having kids, this might be the best thing you ever did! You’ve been living credit card and student loan debt free [more...]

Date: 2008-06-16 19:48:37

Jim Welsh on Stocks, Gold, Dollar, Bonds, ETFs

E. James Welsh of Welsh Money Management, is the author of The Financial Commentator, a monthly newsletter ... loans, credit cards and corporate debt, due to weak economic growth. Oh, and commercial real ... , a respected research firm, had estimated that losses from the credit crisis could total $1.6 [more...]

Date: 2008-11-13 11:29:23

How To Deal With Bill Collectors

In today's unstable economy people are consumed with financial matters ... , the credit card company may report you to a collection agency. This debt collection company is hired ... . Initially, you'll receive calls from your credit card company informing you of your late payment [more...]

Date: 2008-12-04 01:40:51

The Credits Secrets Bible Can Help Your Credit Score

Credit is a necessity that we all need. But if it is abused or overextended, you could end up in a bad situation. Credit cards and loan debt is at an all time high and people are looking for ways to repair a damaged credit rating. A product called Credit Secrets Bible (CSB) is now available from the Consumer [more...]

Date: 2009-01-11 14:35:09

Baby Furniture for the Penny Pincher

When new parents think of buying items for their baby’s nursery, some panic because new furniture (as we all know) can be quite expensive.  Visions of future credit card debt can make any new mom or dad break ... nursery changing table / dresser The changing table is a luxury for the frugal shopper. Check places [more...]

Date: 2009-01-16 19:04:28

New Year’s Resolution - Get Out Of Debt

I thought I’d share a little story with you on New Year’s Resolutions ... is to finally get out of credit card debt”. I wasn’t sure we were going to be able to accomplish it, since ... been able to pay off our car loan. It’s a good feeling to know that our only debt is our mortgage [more...]

Date: 2009-01-16 20:10:12

T3Leads - The Pay Per Lead Affiliate Network

T3Leads is a relatively new affiliate network but have started growing in popularity as more and more people find out about them ... niche and stuff related to it (credit cards, pay day loans, insurance and debt ... . After registering at their website (which was instant) I logged in to check out a few of their offers [more...]

Date: 2008-12-20 09:35:39

Fixing Your Messed Up Finances this 2009

If you enjoyed the holidays as much as everyone else, then like them, ... -up budget. List all payables. How much credit card debt do you have? Get all your receipts ... . In addition, if you are regularly monitoring your bills, it will enable you to pay your bills [more...]

Date: 2009-01-07 10:18:05

on debts.

Are you also finding ways on how rental debt works? Well then, worry no more! www.eliminatedebt ... and credits it is not impossible why more and more people are getting hook into using credit cards ... ? that is now the time where how to debt consolidation will come in. But you see, we better make sure [more...]

Date: 2009-01-14 13:13:38

Credit Repair Help - Here’s How To Start Right Now!

by Mark Alison People are in debt. Living in this world with bad credit can be difficult ... coffees. We need to then know what’s in your credit report. There are three credit card companies, Equifax, Experian, and Trans Union. There are many places to go that will get you a report [more...]

Date: 2009-01-05 11:03:01

Metastasis of the Corporate Panopticon

In a report on how corporate spying and data mining contribute(d) ... of that data has been regulated by the Federal Trade Commission under the Fair Credit Reporting Act ... in the trash. The attributes of the people who bite on the offer, like their credit card debt, cash [more...]

Date: 2008-10-22 17:13:59

Joe Sixpack and the Subprime Crisis

The Subprime Crisis is a broken promise to Joe “Sixpack”. One Day in early 2006, Joe was feeling pretty darned good about himself. He was making $65,000 a year at a job he held for over 6 years. He had $30,000 saved up in the bank. He had no credit card debt. He owned his car free and clear. He looked at his pregnant wife [more...]

Date: 2008-10-11 20:31:04

Merida: Dance Performance On The Square

Merida is a city that struts its dichotomous historic center, its’ ancient Mayan history dominated by the Spanish Conquest; ... trying to warn the people not to take on credit card debt and to prepare for “la crises economica” [more...]

Date: 2009-01-17 05:04:43

Niall Ferguson's "The Lessons of Detroit"

Here's an excerpt from Harvard financial historian Niall Ferguson's massive Vanity Fair article explaining it all: "Wall Street Lays Another Egg:" ... credit-card debts, carry out renovations, or buy new consumer durables. However, the combination [more...]

Date: 2008-11-07 12:06:22

Princess Caroline Declines To Reveal Info About Personal Finances

The Caroline Kennedy for Senate story gets more and more interesting ... . Kennedy would have to file a 10-part, publicly available report disclosing her financial assets, credit card debts, mortgages, book deals and the sources of any payments greater than $5,000 [more...]

Date: 2008-12-23 15:38:33

2009 Year Of The Earth Ox

2009 year of the earth Ox. It looks like we’ve got honest, candid and open natured year ahead ... and tireless though need financial support to fulfill your ideas and make your desires. Yearly 2009 ... off credit cards or being in debt makes him/her nervous. The possibility of taking a serious risk [more...]

Date: 2009-01-12 05:00:41

When It's Time to Wave the White Flag and File Bankruptcy

Sometimes, despite our best intentions to pay back our debts, our individual circumstances make it an impossible task ... just the minimum payment on your credit cards each month? Do you often skip bill payments in order ... ? Are you frequently using credit cards to pay for living expenses (rent, mortgage, electric, groceries, etc [more...]

Date: 2009-01-08 02:07:50

What Order Should I Pay Off My Debt?

Question:  What is the right strategy for paying off debt?  Should I pay off credit cards, or make more than the minimum payment to my interest only mortgage?  What about money I owe to a family member, who is not charging me interest?   Answer:  The first [more...]

Date: 2008-12-18 03:24:50

Borrowing Beyond your Limit can Result in Consumer Debt

Consumer debt has risen to worrying percentages in the past few years ... of the loan, how much the borrower is able to pay back per month, their current credit score ... debt can be acquired in various forms, including through a credit card or a payday loan. There are many [more...]

Date: 2009-01-17 00:24:29

New Year Real Estate Headlines

Welcome, Canadarealestategateway.com reader to 2009 ... is relatively sound and despite low household debt (ie. credit cards), it is starting to climb ... commercial real estate companies in Canada, JJ Barnicke. Barnicke was quoted as saying the Canadian [more...]

Date: 2009-01-02 19:49:42

eBay for Dummies Fourth Edition

eBay for Dummies Fourth Edition eBay is the world’s #1 online shopping destination and can be a bit intimidating for first-time users ... to avoid credit cards so I can prevent massive debt, so I tried using ebay and paying everything with personal checks. The sellers grew very impatient or didn’t report having received my payment and soon [more...]

Date: 2008-11-18 14:07:00

Stressed Moms Losing Sleep

Stressed Moms Losing Sleep October 27th, 2008 By JOE WINDISH, Technology Editor Motherlode: A report released today by ComPsych Corporation, ... . Specifically, Compsych found, the worries break down like this: Cost of living: 30 percent Credit-card debt: 29 percent Mortgage payment: 14 percent Retirement account: 13 percent Kids’ tuition [more...]

Date: 2008-10-27 19:28:54

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