WolframAlpha helps you with your Debt
WolframAlpha It’s rare that I just find a site that is so absolutely useful and cool that I add it to my quick launch bar but WolframAlpha made the grade today. Fire it up type “credit card” in the search box and you can quickly calculate payoff scenarios, and not a one liner answer full of ads but an extremely useful output including sweet graphs, different paydown schedules and the like. [more...]
Date: 2009-05-20 19:09:05
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Free Financial Spreadsheets from Google Docs
Last week, I shared a list of 16 alternatives to Microsoft Money . These applications offer a variety of solutions for managing your personal finances. But not everyone wants to use a specialized computer program to track their spending. Many Get Rich Slowly readers (including my wife) are content to manage their money with a spreadsheet. Spreadsheets are easily customizable, and if you know what you’re doing, they can actually be a lot more powerful than standard personal-finance software. [more...]
Date: 2009-07-09 20:00:23
How to Teach Kids About Money
Money (Illustration by Barry Falls)My son has his first real job this summer. Actually, he has two. He is bussing tables at a local restaurant and caddying on a nearby golf course. He comes home tired, with sore feet and an aching back — and with a new understanding of the real world.Being the parent of an 18-year-old means second guessing a lot of choices made over 18 years, and one that I might have done differently is the decision not to have him get a job until the end of high school. [more...]
Date: 2009-06-03 16:36:26
33 Free Personal Finance Templates for Google Docs
I'm a big fan of Google Docs — the search engine company's cloud competitor to the Microsoft Office suite of applications — especially when it comes to managing my files or schedule or ideas when I'm using my iPhone or computer other than my standard iMac. I haven't gotten too deep into using its spreadsheet or presentation templates (I'm mostly a text doc kind of guy), but I was excited when I saw this tweet from MattJabs , blogger at Debt Free Adventure and a contributor to FiveCentNickel . [more...]
Date: 2009-07-01 16:21:11
Debt Reduction Methods and Philosophies: Snowball, Avalanche and More
When someone who has accumulated debt across a number of credit cards embarks on the journey to rid himself or herself of this debt, and when that person is generating enough monthly income to cover all expenses and the minimum payments due on all cards with additional funds left over, there are two main philosophies describing the best way to achieve this goal. Although all approaches are good, there is no question where I stand on this issue. [more...]
Date: 2009-05-29 11:00:32
What if I can’t make my minimum payment?
Thousands of people are finding themselves unable to make their minimum payment each month on credit cards due to a variety of circumstances, including illness and job loss. When it happens to you, you may feel overwhelmed and unable to decide what to do. The first thing you should realize is this problem is very common and ignoring it won’t make it go away. Begin by understanding what will happen if you fail to make your payment, or make less than the minimum. [more...]
Date: 2009-06-17 18:51:04
How To Choose A Credit Counseling Agency
Are you barely making ends meet? Dodging debt collection calls? Unable to meet your monthly expenses much less save money for emergencies or retirement? If this sounds familiar, you may want to consider credit counseling. Credit Counseling can improve many aspects of your life. It can help you get out of debt faster and improve your credit, just to name a few. And there are many agencies out there that would love to quickly enroll you in their Debt Management Program. [more...]
Date: 2009-06-15 23:47:54
The Truth About Home Equity and Home Loan Equity Mortgage Calculators
by Matthew Sanz There are several aspects you should be conscious of when buying a home and those include your home equity, debt-to-income ratio, terms and varying interest rates. Let home loan equity mortgage calculators help you with your real estate concerns. Home Equity: What is home equity? It is often defined as the current market value of a home subtracted by the outstanding mortgage balance. Basically, it is how much you own your home over a period of time and accumulation of payments made. [more...]
Date: 2009-07-13 13:13:14
Short Takes: Media Coverage Dampens Stocks, Rising Interest Rates, and Business Partners
1. According to a study reported by Larry MacDonald, stocks with high media coverage underperform stocks with low media coverage . The next logical question is whether the media coverage causes the diminished returns, or whether for some reason the media gravitates to certain stocks because they are likely to have lower returns. 2. Despite the Bank of Canada’s promise to keep interest rates low at least until mid-2010, Canadian Capitalist reports that interest rates for consumers are going up . [more...]
Date: 2009-06-26 04:01:00
The Truth About Home Equity and Home Loan Equity Mortgage Calculators
by Matthew Sanz Buying a new home requires a lot of aspects to consider. These would include your home equity, debt -to-income ratio, terms and varying interest rates. Let home loan equity mortgage calculators help you with your real estate concerns. Home Equity: Home equity is often described as the current market value of a home subtracted by the outstanding mortgage balance. Basically, it is how much you own your home over a period of time and accumulation of payments made. [more...]
Date: 2009-07-12 07:16:04
Credit Card Payoff Calculator
Copyright 2009: Randy Wilfried For more on this author visit: http://www.randywilfried.comRecent Articles on: http://www.recentarticleson.net A credit label boon electronic caclulator helps by giving an thought as to how we could replay a change in your credit label and thereby display we a compulsory changes we could do for targeting your amends goal. Credit label boon electronic caclulator is a monetary electronic caclulator which can be run with Java Support and a browser. [more...]
Date: 2009-08-26 05:56:31
What You Need To Know About Home Equity and Home Loan Equity Mortgage Calculators
by Matthew Sanz When buying a home, there are several things you may need to consider. Some of these financial points you have to consider would include your home equity, debt-to-income ratio, terms and varying interest rates. Let home loan equity mortgage calculators help you with your real estate concerns. Home Equity: What is home equity? It is often defined as the current market value of a home subtracted by the outstanding mortgage balance. [more...]
Date: 2009-07-12 07:14:06
My Debt Snowball
Until now, I have not really had any concrete debt reduction plan. I have just been making random extra payments on each card as I get the money ... . I entered all of my credit card information and used $1600 as my total monthly payment towards ... their debt. I decided to do some research on this and set one up for myself. The idea behind [more...]
Date: 2008-07-22 21:34:32
Time to Pay Off Credit Card Debt
Just in case the economic events of 2008-2009 haven’t frightened and motivated baby boomers into aggressively attacking their remaining credit card debt, there’s more. The Present and Future of Credit Card Terms A 2009 study of the major credit card issuers by Bankrate.com provides some sobering conclusions about the future of credit card accounts. Here are some important points to consider from the study: 1. [more...]
Date: 2009-07-08 16:47:51
Keeping Your Student Loans on a Short Leash
Giveaway - you entered yet? Back to School posts from the College Money Network: This Writer’s Wallet: Get an Internship & ... ! Blog carnivals featuring PTY last week: No Debt Plan: Carnival of Personal Finance #165: College ... . (Figure out how to encrypt this file – this is sensitive info!) Run the Calculator [more...]
Date: 2008-08-14 23:50:44
Calculator Financial
Author : Rheza Sulaiman A popular method to check finance repayments is by using a online calculator, for finance such as car loans, boat loans, equipment finance, truck loans or mortgage finance There are a selcetion of many of finance calculators, including mortgage calculators, amortization calculators, finance calculator, loan calculators, personal loan calculators and bank loan calculators The functionality on a loan calculator are easyand anyone can use them You simply key the loan [more...]
Date: 2009-07-19 06:21:20
The Not-So-Great Depression
I’m going to keep reporting sales trends for as long as economic ruin remains the foremost topic on everyone’s mind ... consumer. Curio City has no debt, but after paying Q3 payroll and sales taxes it hasn’t got much cash ... and I keep an iron grip on my financials. My conservative, no-debt, bootstrap business model looks [more...]
Date: 2008-10-17 16:25:00
An Aid For My Personal Finances
Last year, I attended the “How to Be Truly Rich” Seminar by Bo Sanchez, and since then I have been cautious with how I used my money ... for their Certificates of Deposits (CD). MonitorBankRates.com have a CD calculator that can help them ... use of the Certificate of Deposit Calculator available for use in the website.By using [more...]
Date: 2009-01-14 05:36:00
About Those Balance Transfers…
Now that the days of 0% balance transfers and no balance transfer fees are likely a thing of the past, ... of these spendthrift habits has resulted in not a little bit of debt for Mr. Grouch, but he has recently committed to a goal of eliminating it entirely. Good for him! In order to reduce his debt as quickly [more...]
Date: 2008-12-16 21:12:28
Welcome to the Bad Credit Hotel: Check in for Free!
Mirrors on the ceiling…. pink champagne on ice. We are all just prisoners here, of our own device… ... marketing on college campuses and how student credit card debt has become a serious problem. Recent ... students — and adults as well — to learn to get a grip on excessive credit card spending [more...]
Date: 2008-10-22 14:22:16
Free Excel based Debt Reduction Calculator to Payoff Credit Card Debt
Works with : Microsoft Office, OpenOffice To start with this Free Excel based Debt Reduction Calculator, you first enter all your debts in this excel. You can specify all kinds of debts in this: Credit Card Debt, Auto loan, Student loan, personal loan, and any other debt. After that, you specify interest rate of each debt and minimum payment required to be paid for each. This is the minimum payment that you financial institution has stipulated for your debt. [more...]
Date: 2009-09-21 12:00:37
Taking the Steps to Financial Freedom
f you want to dig yourself out of debt, the first thing you’ve got to do is stop creating it. How? Make it impossible to create more debt by destroying your credit cards! Sound scary? Sure. Because ... re much more likely to abuse that credit card than use it to meet an emergency. And by following [more...]
Date: 2008-06-24 08:46:46
Your Future without Debt!
There is a lack of financial and investment education in our schools, among the many things not taught ... of changing to a rewards card like a rewards credit card. Once this debt is eliminated, take the money ... payoff money, cannot change until you pay off all of your debt for this method to work best.If [more...]
Date: 2008-08-14 05:42:00
Save to send Your Children to College
by Basdeo Paul Whether you went to college or not you probably will have big plans for your children ... towards paying off your debt. You can give up little things like trips to Starbucks or fast food ... of all of your debt. You need to know all of your balances, interest rates and minimum monthly payments. Now start [more...]
Date: 2008-11-14 15:10:07
Your Future without Debt!
There is a lack of financial and investment education in our schools, among the many things not taught ... payoff money, cannot change until you pay off all of your debt for this method to work best ... of changing to a rewards card like the chase flexible rewards card. Once this debt is eliminated [more...]
Date: 2008-08-08 04:46:37
Jeff Hinds Photos from Softball
Jeff Hinds Sports Photography has been taking great photos of the 2009 NWAACC Softball Championship at Delta Park. Photos are available at www.nwaacc.photoreflect.com Jeff Hinds Sports Photography is the Official NWAACC Photographer. rolex mid size rolex explorer watch authentic rolex ladies rose datejust rolex watches ladies rolex products inc rolex discussion sydney to hobart rolex womens rolex golf rankings new and used rolex watches in missouri rolex [more...]
Date: 2009-05-17 17:34:55
Back to Basics Part 6 Does it Matter How You Snowball?
If you are just finding the Back to Basics series you can find all of the posts in the series by clicking on “Back to Basics” in the sidebar ... selling baseball cards and other junk to add the money to your debt payoff. The Dave Ramsey Doesn’ ... is the Debt Snowball. This can be quite controversial. There are diehards on both sides of the coin [more...]
Date: 2008-09-02 07:16:00
110 Financial Calculators: Fast Answers to Your Money Questions
Have you ever wondered how your salary compares with others in your profession? ... about how to accelerate your debt payoff? Curious what it will take to save your first million ... a graphing calculator, abacus or legal pad. You don’t even need to count your fingers and toes. Simply click [more...]
Date: 2008-12-03 05:22:28
Should I save my money or send extra money toward a loan?
About a year ago, I bought a new car. Not being too far out of college, ... our credit card debt, bought a house, and started saving regularly. But after a few months of putting ... my credit wasn't well established and I was forced to finance with what I'd call an affordable [more...]
Date: 2008-06-10 12:05:31
Home Refinancing
Image Many debtors in California were able to get out of debt with California debt consolidation programs ... . Trying to get out of debt can be an overwhelming task for anyone. Credit card companies are raising rates ... Calculator California. Many people these days are getting in trouble with debt [more...]
Date: 2008-11-03 13:31:59
Credit Card Debt Pay Off Calculator
A credit card debt pay off calculator is a script that allows you to enter three pieces of information and the result that is returned is the number of months that you will need to make payments to pay off that particular credit card debt . The information you will need to enter is the amount of your debt, the minimum monthly payment on that account and the interest rate that you are paying on that account. And when you press enter you will get the depressing news. [more...]
Date: 2009-04-06 01:14:11
Debt Reduction Tools And Calculators
For those who are ready to get our of debt, here’s a list of debt reduction resources - Debt Snowball Calculator over at What’s The Cost – This free online tool will help you quickly create a debt repayment plan. iPhone and iPod Touch Debt Snowball Application – Created by Blunt Money , this application, which sells for $2.99, will help you create a debt snowball using your iPhone or iPod Touch. [more...]
Date: 2009-09-08 11:00:35
Proven Steps to Eliminate Debt
by Ray Lam If drowning in debt, fortunately, there are easy solutions to becoming debt free in a few years. Millions of people are living with thousands of dollars of credit card debt. Because credit cards ... consolidation loan. Although debt consolidations do not erase the debt, they will eliminate credit card [more...]
Date: 2008-07-22 10:26:05
Carnival of Debt Reduction: Tips via Twitter Edition
Welcome to the Carnival of Debt Reduction, a traveling weekly roundup of the best articles in the blogosphere covering credit cards, consumer debt, mortgages, and the elimination thereof. Here is more information about the Carnival of Debt ... to be featured in today’s Carnival of Debt Reduction. What follows is the best of those submissions [more...]
Date: 2009-01-12 13:00:59
Home Equity Loans for People with Poor Credit - Get a Hassle-Free Home Equity Loan
Tip! Mortgages taken out after October 13, 1987, other than to buy, build, or improve your home (home equity debt) ... equity line of credit. Similar to credit card cash advances, homeowners are approved for a line ... regular payments will boost your credit score. If the funds are used to consolidate debt, homeowners [more...]
Date: 2008-10-12 18:30:42
Raise Credit Score - Avoiding Common Credit Mistakes
Tip! Manage your credit card balances. It’s best for your credit score if the balance on a given card is less than 50% of the limit on that card ... is not harmful. However, if you use your credit card very regularly, it is essential to payoff the balance ... card. Although credit card companies will generously extend credit, you do not have to accept [more...]
Date: 2008-09-09 06:01:36
10 Things You Must Do After College
I'm really loving a recent post over at Newly Corporate. It lists 10 things to do after college ... . That’s just stupid. Even if it is just $100 per month, do it. If you want to see the payoff, check out this Roth IRA calculator: http://www.planningtips.com/cgi-bin/roth.pl 2. Buy a used car. Cars [more...]
Date: 2008-09-23 22:12:30
Managing and eliminating debts
Managing and eliminating debts The debt which drains out our life could be a credit card debt, or a student loan, or even a home mortgage debt ... , as this is the best way to manage debts and also payoff debt, which will stop overwhelmed by debts. All you need to do is just enter a debt elimination website and then in the calculator enter the [more...]
Date: 2008-10-20 09:41:28
Real Life 101: Ten Things You Must Do After College
I got a lot of good advice growing up. I was lucky because I had a financial planner in the family, and I had a god circle of influence ... if it is just $100 per month, do it. If you want to see the payoff, check out this Roth IRA calculator [more...]
Date: 2008-09-08 19:51:45
Using a Debt Snowball Calculator For Becoming Debt Free
Starting with Debt Reduction Finding the right debt payoff program for you should start with an analysis of where your finances currently are ... . Go ahead and try the debt payoff calculator for yourself and calculate the difference it can make ... by using a debt payoff calculator it is important to stay within your debt management plan [more...]
Date: 2008-06-11 00:28:06
Save for Tomorrow, Be Happy Today
by Walter Updegrave, Monday, September 29, 2008 provided by CNNMoney ... so you can live better tomorrow. But what if preparing for retirement had a more immediate payoff ... %. Then use a calculator like our Retirement Planner to see how much you must save each year [more...]
Date: 2008-09-30 03:32:38
Al asks “How Can I Accelerate Paying Off My Debt?”
Al wrote to me through the GetOutOfDebt.org site and asked the following question ... , You can use the free Debt Roll-Down calculator online, enter your credit card balance and interest rates ... . If you have a credit or debt question you’d like to ask just use the online form. I’m happy [more...]
Date: 2008-11-08 17:22:11
101 Tips & Resources for the Upside-Down Homeowner
Are you upside down in your home ownership? If you are, then you know that you can’t borrow from your home equity for emergencies because you don’t have equity to borrow against. You may not be able sell your home unless you come up with the money to cover the shortfall between your home’s value and your loan [more...]
Date: 2008-04-23 19:25:07
Got an extra dollar to spare … For your Credit Cards?
So can you spare a buck a day? If so, maybe you can apply an extra $30 a month to your credit card bill ... , and get that debt paid off! If you haven’t been here already, why not visit our online debt payoff calculator and see how fast you can lower that debt? Share This [more...]
Date: 2008-10-23 13:09:50
Credit Card Debt Calculator - Knowing Its Benefits
Credit Card Debt Calculator Credit card debt calculator is the best choice for you if you are seeking the proficient and practical solution to ... calculator. Credit card debt consolidation is the final option if you are in this situation. However ... offer for a loan consolidation. All you need to do is trying to use a credit card debt calculator [more...]
Date: 2008-12-25 07:51:39
Awesome Financial Calculators for Microsoft Excel
I was recently accosted by my credit card company about my autopayments to my credit card ... calendar and everything. Heres what we are going to do: Lower my interest rate on my credit card ... . They were made by a group called Vertex42. Credit [more...]
Date: 2008-11-18 22:11:28
Revisiting My Debt Crossover Point
A while back, I came up with the concept of a debt crossover point, ... , and used the snowball calculator to run our payoff out using $810.41 as our monthly payment, I made ... point in one’s life. The idea of the debt crossover point is simultaneously similar yet completely [more...]
Date: 2008-06-13 09:54:52
Credit Card Payoff Calculator using Crystal Xcelsius
Xcelsius Utility Series If you don’t pay off your credit card balance every month, ... you expect. And if you spend beyond your means and add up considerable credit card debt, the extra money you pay in interest can be alarming! To find out how much extra you might pay on credit card [more...]
Date: 2008-07-30 03:11:57
Home Equity Loans after Bankruptcy - Choosing a Low Rate Lender
Tip! There are two types oh home equity loans, the home equity and the home equity line of credit ... an unsecured loan or credit card application. Because home equity loans are secured ... than credit cards and most consumer loans. Thus, homebuyers are able to payoff debts, improve credit [more...]
Date: 2008-10-14 20:01:53
Credit Card Payoff Calculator
About Credit Card Payoff Calculator Determine how long it will take to payoff your credit card debt ... to payoff your credit card balance. You can also determine what payment you need to make each month in order to payoff your credit card balance in a given number of months. Each calculation shows [more...]
Date: 2009-01-06 19:19:22
