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

Blog posts (345) | Videos (294)
 

Consolidate Your Debts

Are you aware of the automakers dispute? What will happen if this crisis could not be resolved anymore? ... their monthly dues. Debt Cosolidation can help you get back in track, they provide free valuable information for debt management and consolidations. They also offers additional links o websites where [more...]

Date: 2008-12-13 17:50:11

Post Roundup! 2009 Is Finally Here Edition!

2009 is finally here, and man was I ready!  2008 was a tough year ... You Need A Budget” Software How I’ve Grown My Income I Am Debt Free As Of Today! What Will 2009 Bring ... of debt, and getting ahead! It’s a simple 2 step process Are you ready?……. Earn more. Spend less [more...]

Date: 2009-01-05 16:06:43

Tired of Living with Debt?

We all know that most Americans are tied up with debts especially upcoming holiday is fast approaching and we cannot avoid to use the credit cards ... and approachable. Debt Settlement is what you need to be free from any hassle of debts. Everything [more...]

Date: 2008-12-19 23:09:28

Money Saving Tips

In today's world economic situation it is not good for us to be in all kinds of debt ... for some help from a debt management company on how to lower my bills and lower my interest ... from the experts like Simple Debt Free Living, they are specifically designed to help us get debt [more...]

Date: 2008-12-21 17:33:29

Welcome to the Carnival of Debt Reduction

Hi everyone, and welcome to this week’s Carnival of Debt Reduction . There were more good articles submitted this week than are shown below, but only a small number of them dealt directly with (a) personal debt reduction stories or (b) how to reduce consumer debt: No Credit Needed dispenses with a lengthy introduction and jumps right in with a six-step process for eliminating credit card debt . Free Money Finance recounts a story of how one couple paid off their mortgage . Financ [more...]

Date: 2009-09-28 05:00:04

Live a More Peaceful Life with Debt Consolidation

Are you in trouble of handling your debt for you can not really manage the settlement? ... downsizing is daily stuff causing big number of lay offs. Fortunately, there is debt consolidation offered to you for freeing yourself from such a depression. There is government debt consolidation [more...]

Date: 2009-01-10 02:15:48

Debt Consolidation with Free Government Grants? One Scam to Avoid

Have you ever seen a commercial or an ad promising “free government grant money? ... can be used for anything, including debt consolidation , student loans, a yacht or just about any ... s doubtful that you’ll find an organization that’s interested in helping you pay off your Mastercard bill [more...]

Date: 2009-01-14 13:23:22

Bills.com

We all want to be debt-free. But sometimes we have circumstances that lead us into debt.Fortunately, there's debt consolidation help from Bills.com ... program. Debt consolidation can also be a great way to manage your debt easily– whether it’s lowering ... *InflationIf you have a high credit card bills which you can't make the payments, then consolidation [more...]

Date: 2008-11-04 19:42:00

Debt Management – Made Easy

September 26, 2009 | By Michael Sasaki In Finance | by Michael SasakiIt is important for every person to lead a debt-free life; this can provide a secure future for them and their families. Long term debt can cause havoc to personal life. So, it is highly imperative to meticulously plan for debt and avoid huge debt payments.Research analysts have found out that people fall into the debt trap because of their spending habits. [more...]

Date: 2009-09-26 05:17:04

extra in terms of extra fee than what you would have saved ... rate and can easily pay off all existing debts and become debt free. Some of the cards come [more...]

Date: 2009-01-11 17:42:34

Free Debt Reduction Tool

As much as I love Quicken, I like finding free online tools I can suggest to my personal finance counseling clients ... PowerPay. Basically it’s a no-frills debt management program that allows a person to enter their debts ... . A teaser rate with a long duration can hugely influence your best plan of attack on debt repayment [more...]

Date: 2008-10-22 15:57:51

10 Life and Money Lessons Learned from Immigrant Parents

By Vincent Scordo My parents were both born in Southern Italy where unemployment is high and quality of life is superb. My mother, Annunziata, made it to the 7th grade and my father, Tommaso, has the equivalent of a technical high school diploma. Both of my parents immigrated to the US in 1975 and are currently debt free, own their own two-family home, and have plenty of cash in savings. They are, in many ways, leading the American dream – by not adopting the principles of American consumerism. [more...]

Date: 2009-09-21 14:00:04

How Saving has Enabled Us

“Save your money, and one day it will save you” -old African proverb Moneymonk shared the above in her Friday quote post last week ... pretty much debt free, with the exception of our home mortgage and credit card balances, which are paid ... Finance, check back every Wednesday for a new segment. This is not financial advice. Please consult [more...]

Date: 2009-01-14 12:38:00

The Life Cycle Of A Purchase - From Desired Object To Tossed Clutter

RDS of SmartFinancialValues.com left an intriguing comment in response to a recent weekend post asking readers if they would be willing to sell all material possessions to become debt free.  RDS mentions that when it comes to their possessions “ ... payments, and the increased insurance premium.  After all, I worked hard. For those first few days [more...]

Date: 2009-01-07 11:00:37

Queercents Weekly Roundup:

Fall is definitely here, but you’d never be able to tell from my friends who are going surfing today in Maine ... ) Somehow old cell phones always seem to accumulate without you even noticing. If you have a collection ... on living debt-free. (Read it at Consumerist) Airlines are lowering their fares for the holidays in hopes [more...]

Date: 2008-11-08 15:24:30

Frugal Lifestyle for a Life Free From Debt

Many people are living beyond their means and credit is a solution for those expenses that cannot be afforded. A credit card can be an ally or a foe ... with this kind of lifestyle and thinking eventually are in debt until they retire or worse bankrupt ... , transportation, insurance, services, etc. Note down every single penny on everything spent for a [more...]

Date: 2008-10-29 04:00:25

Individual Voluntary Arrangements And The Entailments

by Edward Woodwards If you ever encounter a serious financial crisis in your life like, you are under heavy amount of debt, normally 15,000 USD or more, the best thing to do would be opting for an IVA (Individual Voluntary Arrangement); it will help you lead to a debt-free life again. IVAs are commonly known to be better substitutes to bankruptcy because they do not have most of the drawbacks a bankruptcy would put you through; losing Assets in a bankruptcy would be the biggest example. [more...]

Date: 2009-09-29 09:38:33

Manage Your Debt With CareOne Credit Counseling

We all strive for financial freedom.. a debt-free life.. a secure financial future ... : "The most common form of consumer debt is credit card debt, payday loans, and other consumer finance ... endless notices from creditors, accounts being turned over to debt collectors? Indeed, you're [more...]

Date: 2008-10-03 06:45:00

Debt Free in no time!

Let's face it, life can be cruel sometimes right. We make poor decisions because of inexperience or misinformation and it just tends to snowball ... towards interest. 3. A faster debt payoff 4. A definite alternative to Bankruptcy Now, if any ... to managing debt and helping folks pay it off. One of their more popular methods is debt [more...]

Date: 2008-11-19 20:13:51

Debt Cosolidation

.fullpost{display:inline;}When we have to deal with monetary emergency situation, ... for that problem.Now if you are in the bad debt problem you must come to debt elimination site. They will help ... . They are the expert in free debt consolidation program since 1997. So just go there now and solve [more...]

Date: 2008-12-20 04:01:00

Get out of debt in a quick way

I love talking about debts. It’s like my own little way of helping people live a life that’s free of debts ... . By then, it will be easy for you to choose different debt settlement options. When you will decide ... If you want that you will just be the one who will solve your debt problems, just try their loan [more...]

Date: 2008-12-23 07:58:32

The best Debt Cures - Bankruptcy or Debt Settlement?

Hello- It’s cyber Monday, time to start shopping online if you haven’t done so already ... a look at bankruptcy and debt settlement as these are the more popular options for getting credit card ... at their free debt calculator and here’s what it gave me: credit card debt paid with bankruptcy [more...]

Date: 2008-12-02 02:39:50

Is it time to kick Dave Ramsey to the curb?

Right now we are in a recession and people are losing their jobs left and right ... what will you do?  How will you manage?  Perhaps you can set a fixed debt repayment while saving ... ? I believe that he’s correct in saying we should live debt free.  Definitely it’s worth working towards [more...]

Date: 2008-12-15 14:00:39

Benchmarks and Tempations

I am beyond thrilled to say that, after a lot of really hard work, I am now $337.00 away from being debt-free except for my mortgage ... (k), but I have basically been plugging away at the debt very hard the last couple years.  (Having a roommate also ... : to be one of those people with no mortgage in ten years or less by socking all that money at the loa [more...]

Date: 2009-01-14 06:55:55

Clinton, Reagan, Nixon, LBJ: Farewells

Clinton, Reagan, Nixon, LBJ: Farewells George W. Bush will aim between somewhere between tortured and soaring. Posted January 13, 2009 2:30 PM [ ... of our national debt, on track to be debt-free by the end of the decade for the first time since 1835 [more...]

Date: 2009-01-13 20:03:27

Carnival of Personal Finance, Cyber Monday 2008 Edition

Welcome to the Carnival of Personal Finance! It’s officially Cyber Monday 2008, the online doppelgaenger to Black Friday ... What is freedom worth?“ Posts on Credit and Debt Free From Broke chats about medical treatment ... some aspects of refinancing consumer debt. Blueprint for Financial Prosperity has a list of 0% balance [more...]

Date: 2008-12-01 06:02:01

free at last!

I don’t know really but emails keeps on spamming my inbox on ways to finally  get out of credit card debt ... and loan talks, but you see, things are going great now, totally debt free and peace of mind ... and make a discussion with your financial company, it can help to tell them the honest situation [more...]

Date: 2009-01-15 18:24:18

Never Ever Lend Money to a Friend - my story

I look back and I can’t believe how stupid I was. Expensive lesson learned… don’t lend more money to a friend than you can afford to lose ... him his money from home and he would pay it all back no problem. We were also waiting on this money ... for me for free until the debt was paid. Great. But the idiot got ripped off by the person he had bought [more...]

Date: 2009-01-15 00:37:49

Easy Debt Advice for Proper Debt Management

This Article is all about finance which gives detail information how to utilize the finance in your daily or monthly basis ... and live a happier life! Read on below for great debt advice to help free you from those ever ... out your quarries. Once you’ve found yourself buried in debt, it can be hard to manage debt properly [more...]

Date: 2009-01-14 21:02:09

Money woes

Urgh. I just did some calculations (thanks, Microsoft Excel!) and I came to a conclusion that I will be debt-free by next year ... it out of the house to spend on a splurge. Trust me, people, if you haven’t got a credit card yet, DON’T GET ONE. I’m so peeved at how I can spend so much more than I can afford with a stupid credit card [more...]

Date: 2008-07-16 13:03:25

Wrapping Up The Year 2008

Resolutions and Goals Last year, I published 15 resolutions and goals for 2008 ... Out Of Debt Yes!  I’ve been debt free since February of 2006!  It’s hard to believe that I’ll soon [more...]

Date: 2008-12-31 21:50:55

Lessons Learned From Losing a Quarter Million Dollars

About the author: This guest article is presented by Debtkid, who recently begun working part-time for LendingClub. He regularly writes at Debtkid about his journey to become debt free. A few years back ... up with over a quarter million dollars in debt because of my losses. I’m 25 now and have not traded [more...]

Date: 2008-11-26 12:30:53

Living Rich for Less by Ellie Kay Giveaway!

Who doesn't need a book like this in the troubled economic times? Here's the info ... vacations, dress her family in fine fashion; and support more than thirty non-profit organizations ... in consumer debt and seven children (and college educations) to support, to being completely debt-free [more...]

Date: 2008-12-19 16:41:02

Link Love :: the I’m Craving a Leisurely Walk on a Crisp Fall Morning edition

Our wedding and friends, six years ago this weekend ... on the Road Between Being in Debt and Being Debt-Free :: No Credit Needed Making Your Home a Haven [more...]

Date: 2008-11-08 07:33:59

Christmas Shopping Tips to Keep Your Holiday Spending Under Control

Do the holidays put a strain on your budget? It can be one of most expensive times of the year; ... season. Create a holiday budget: If you already have credit card debt you don’t want to increase it and if you’re debt free you certainly want to stay that way. Set a spending number [more...]

Date: 2008-11-14 23:31:29

Link Love :: the 72 Months and Many More edition

Our wedding and friends, six years ago this weekend ... on the Road Between Being in Debt and Being Debt-Free :: No Credit Needed Making Your Home a Haven [more...]

Date: 2008-11-01 14:00:10

How Government Grant Relieves From Debt?

Americans have a superb advantage of the government grants. People may have financial problem sometime in life. And many people go for borrowings. In order to pay off those borrowings, they borrow some more money and likewise the debt starts piling up. But thanks to government grant programs that you can become debt free or at least reduce [more...]

Date: 2009-01-14 19:20:03

The fates intervened.. & randomness

I had planned to spend the evening catching up on my day job, but after spending 2 hours this afternoon, and then breaking for supper, ... of it. Secondly:  I’m within spitting distance of being credit debt free. I paid off the biggies today ... at the one teeny weeny little card that I have left.  The credit cards, except for my debit card [more...]

Date: 2009-01-12 02:40:20

First Update of the Year

The Berg household hasn’t changed much in the past few months. Our days consist of working, spending time with family, friends and our animals ... : -Paying off Debt!! -Jonn to finish school -Refinancing home -Jonn and Becca’s Future Farm ... and not to argue about it (not like we did).  We both can’t wait to be debt free and we are on our way [more...]

Date: 2009-01-15 03:22:08

Divorce Debt and Free Credit Reports

When individuals get divorced, one of the major problems that couples have during this already difficult time, is dealing with their finances. Many couples have high credit card balances in both of their names or have multiple debt issues ... out consolidation loans to minimize high balances into one lower payment. Couples can also speak directly [more...]

Date: 2008-11-24 17:02:57

Reduce debt

Is reducing debts possible? Absolutely, it is! Debts can give someone a stressful life but with the help of an approved company, ... today and have a DEBT REDUCTION. They have the best credit counselors which will be at your side ... one will be aided in his way to a debt free life. To all clients who are experiencing a problem [more...]

Date: 2009-01-12 03:12:05

Customers Service at its best : Inconvenient your client & make them WAIT

Nowadays, almost every company has a customer service dept. But does it really function as it suppose to be ? ... their credit card and accounts again. All were left dormant. Then I received a statement last Fri ... to the fundamental of  debt free living, I thought I might as well take this time to go terminate [more...]

Date: 2008-08-25 15:08:40

Goal Setting: Getting Out of Debt Once and For All

By Nora Dunn It is easy enough to say that you have a goal of being debt free in “x” months or years ... out her credit card and dig an even deeper hole of debt in the name of “treating” herself ... are? A friend of mine has gads and gads of consumer debt – the worst kind, with high interest rates [more...]

Date: 2008-12-16 21:11:59

Britain Becoming ‘Bankruptcy Tourism’ Hotspot

Cash-strapped Europeans are travelling to Britain to go bankrupt – then returning home debt-free. “Bankruptcy tourism” is becoming so popular that a company is now helping insolvent Europeans to travel and live temporarily in the UK. Lenient laws mean that foreigners can live in Britain, file for bankruptcy and leave with the slate wiped clean after [more...]

Date: 2009-09-27 15:44:02

Improve Your Financial Life With Five Daily Actions

The year is drawing to a close, and soon people will be scrambling to declare resolutions for the New Year.  I am no exception ... out by March. The goals probably sound familiar:  lose 50 pounds, become debt free, write a book ... with the concept of snowflaking–collecting small amounts of “found” money and pooling [more...]

Date: 2008-12-11 11:00:34

Have You Ever Been Embarrassed To Be Frugal?

We are preparing to host Thanksgiving dinner at our house tomorrow ... another furniture purchase until we are debt free. The decision means we will have to live ... them because the payment is right. It isn’t to impress people at a red light, or to feed my own ego [more...]

Date: 2008-11-26 11:00:34

Financial Fitness Update: A Very Good Start

As I promised in last week's New Year's resolution post, I am keeping you posted weekly on our financial fitness progress. Happily, the news is good. (Honestly, I'd be pretty embarrassed if I flopped after just one week of my resolution.) First ... debt-free! Shouldn't there be some balloons and confetti showering down on us as we click online [more...]

Date: 2009-01-11 00:41:49

Tips On Ways To Increase Your Credit Score

Applying for credit is the best thing to do if you do not have cash on hand to pay for it ... is the primary cause of this problem, you should learn to spend cash only on the essentials. This means ... of the others. The objective here is to be debt free. When that takes place, you can cancel some of them [more...]

Date: 2009-01-14 18:09:04

Use Snowball Method Spreadsheet To Pay Off Debts [Snowball Method]

Do you have so many credit cards that you could sew a pair of pants from them? Confused as how to get rid of them? ... style of repayment you want, such as snowball or highest interest first. The program then spits ... Try this handy Excel spreadsheet to generate a custom strategy for becoming debt-free. Just enter [more...]

Date: 2008-08-26 11:13:53

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