Take the Bills IQ Test
I just took the Bills IQ test. I didn't get a very good score. My overall score was a 63%, which is actually a D ... to consider Debt consolidation. By paying off high interest credit cards first I could be closer to achieving Debt relief. I also learned that I really should have some sort of plan with my finances. I guess [more...]
Date: 2008-07-22 14:55:00
Blog posts
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Videos
(15)
What is a Cosigner?
A person who is allowed to legally sign loan papers or documentation with another person who is having difficulty for obtaining a loan, or sometimes getting a lease for an apartment or rental unit is referred to as a cosigner . Being a cosigner, the person makes a legal agreement that he or she would be jointly responsible for repayment of the loan if the first signer fail to pay debts in a timely fashion. [more...]
Date: 2009-09-27 17:00:15
POWER DOWN YOUR DEBT (5)
A Systematic Approach to Paying Off Debt We have painted a fairly bleak picture of the debt problem in the United States, ... . When you learn how to “Power Down” debt, you will be able to eliminate compound interest much more quickly ... at the top of their list. You will notice on the report that the first debt listed is a VISA credit [more...]
Date: 2009-01-13 10:52:20
"Is The Deficit A Threat To A Future Recovery?"
Jamie Galbraith responds to the question posed by the National Journal, "Is the deficit a threat to future recovery?" James K ... problem is not that it is too big, but that it is too small. Far too small. In principle ... device to promote expansion, since tax savings will be used first to try to pay down debt... A major [more...]
Date: 2008-12-03 20:24:00
Resolution
Last year I posted my New Year's resolutions. Today I will review those resolutions (how did I do?) and post my resolutions for 2009.2008: My first resolution was to Pay Off As Much Debt As Possible. In this category, I give ... of the year, I can say with confidence that I paid off approximately $10,000 in credit card debt [more...]
Date: 2009-01-08 15:23:00
Money Merge Account Analysis Pt 18
One thing I continue to run into are the post of people who claim to use the Money Merge Account, ... my credit card first! Why? When I pay my car off first, that’s another $387 that goes to other debt every month, vs. only about $60 from my credit card being paid off. My mortgage with 26 years left [more...]
Date: 2009-01-15 13:02:52
The Perfect Storm
I bet you can name at least 1 person you know first hand that has more revolving debt than they can hope to pay off in the next 5 years... Couple this with the fact that the odds are really good that the person you're thinking of has had their credit file, or some portion thereof, stolen in the past year or so and you have the following situation. 7:00pm, Residence of John Debtor {phone rings} "Hello?" "Hello Mr. Debtor, this is Mr. [more...]
Date: 2009-09-08 16:08:00
Live Peacefully without Credit Problem
Wow ! free credit online... is here to serve you , searched on www.creditnexus.com. This good news to all who need to get their current credit report ... first the product or services like attorneys fee, medical fee or insurance which you promise to pay ... accumulation of debt. Always make an effort to improve credit by paying bills on time and paying [more...]
Date: 2008-10-22 13:24:11
Does The Economy Make You Want To Pay Off Debt Or Build Up Savings?
Editor’s note: I set this post to publish yesterday and made the classic “New Year” mistake of setting the date to 2008! ... , and then systematically started debt-killing. First the credit card, then one student loan, then the car loan. Now, we’re left with a $10000+ student loan, and a minimum payment of $145 versus [more...]
Date: 2009-01-09 15:08:06
2nd home mortgages
2nd home mortgages start a new loan account by paying off the first mortgage ... have on your existing mortgage and present debts, such as your credit cards, that this would be a good way ... and checking your credit reports should be followed.Its fee includes settlement costs, discount points etc [more...]
Date: 2009-01-14 03:52:19
Critical: Tell Gov. Schwarzenegger NO VET CARE TAX!
Animal guardians should not have to pay “luxury tax” on veterinary visitsMy fellow Californians: first the bad news, then the other bad news. Our state faces a $41 billion budget deficit over the next 18 months, and to make matters worse, Governor Arnold Schwarzenegger propounds to pay off this massive debt by sticking animal guardians [more...]
Date: 2009-01-15 09:04:00
Help Me With My Debts
We have been living in a two bedroom condominium since 2004 and as the baby grows I think we need a bigger space and a backyard for barbecues, ... . Right now, we are still paying two car notes and some credit card bills so we are looking to consolidate debt first to ease up with our monthly payments. At least, if we would be able to lower [more...]
Date: 2008-09-10 18:36:07
Cubs Can’t Find Buyer, Still Can’t Alight on Cuban
Look forward to hearing this excuse for the next six months from all your favorite teams and leagues: “Gosh, we’d love to < ... not be able to sell the Cubs completely, settling for shuttling off just as much of a minority stake as he can to pay down debt that he saddled Tribune Co. with when he bought the company in the first [more...]
Date: 2008-11-07 16:00:21
The Dirty Secrets of Debt Reduction (and What to Do About Them)
When I was a sophomore in college, I got my first credit card. I thought it was awesome — it was like free money ... to pay off debt. I was arrogant. I believed this advice didn’t apply to me. But then my car broke down ... , and then paused my debt elimination plans for a few months in order to stash $1,000 in the bank [more...]
Date: 2008-07-17 12:00:34
Devise your own Credit Repair Plan
by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... , and credit card statements, mortgage and insurance records. Locate debt worksheets on the internet ... debt. Decide which credit cards, and loans that you will pay down in order. For the first [more...]
Date: 2009-01-14 23:03:41
The Daily Poverty Post.
Welcome to Bossy’s Poverty Party, an online support group for reining in spending, getting your finances in order, and climbing out of debt ... t, in fact, what today’s Poverty Post is about, so we’re off to a blazing start! Anyway. One day while ... it up first when paying for something. And you should too because you see how well things worked [more...]
Date: 2009-01-07 13:15:15
Money Monday, 1/12/09
TODAY! (she declared, boldly!) Is the first day of the rest of my life!! ... all these thousands and thousands of dollars needed to beef up the emergency fund, pay off the debts and perhaps even ... start turning my attention to the debts – because frankly, each of those I get paid off reduces how [more...]
Date: 2009-01-13 00:55:00
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
Criminal Charges: 2008 in review
It's been an eventful first year for Criminal Charges, my weekly look at what happens when criminals and credit cards meet ... , shouts-out Leprechaun film Debt can make you do some crazy things -- like stealing Lego blocks using ... . Hegarty apparently hoped to use the profits she earned to pay down debt. Although the links [more...]
Date: 2008-12-29 15:03:46
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
Mortgage Rates - Mortgage Home Calculator
It’s really a jungle of information out there. For beginners or first-time home buyers, home mortgage loan should work just any other loans, ... on your debt-to-income ratio. If you make barely enough to cover for your debts, you’ll have to pay a higher home mortgage rate. Compare this to someone who takes home a monthly income that far surpasses [more...]
Date: 2008-10-29 19:52:45
Make it Automatic
When I posted my 2009 goals many of you asked for me to share some of my tips for living on less. In 2009 I hope to write many articles about how we are able to live below our means. The first tip I have is make it automatic. This can apply to savings as well as debt. While we were paying off [more...]
Date: 2009-01-16 04:32:48
2008 in review
2008 didn’t really go exactly as planned. It could have been better; it can always be better ... . I had hoped to pay off all of my debt. I wanted to travel to more places…a big trip at least every other ... Mountain and met Leonard Knight Drove to Maine for a week Visited Chicago for the first time and saw [more...]
Date: 2009-01-06 03:23:33
The Simple Dollar Weekly Roundup: Sleepy Days Edition
I’m currently in the midst of my first Iowa winter as a stay-at-home writer - and it’s fairly tough ... . If you’re talking about core principles, there basically isn’t a price. You could not pay me enough ... and Manage a Debt Snowball I really liked this summary of how a debt snowball works - nicely written [more...]
Date: 2009-01-14 14:00:52
Do it yourself Credit Repair
by Rob Kosberg You have reached the point in your life that you realize that you need to make some drastic changes in how you manage your spending ... , pay as much more than minimum as you can. Pay the minimum on the others. When the first is paid off, start applying that same amount to the next debt in line. It won’t be a fast process. To immerse [more...]
Date: 2009-01-14 23:40:40
Will There Be A Second Stimulus Check? I Hope Not.
Man, do I hope not. The first stimulus check cost us $168 billion dollars, ... ; we are already doing that with the bailout. If they want to create a fund to pay for road repair or fixing ... spent - it was either saved or put on a credit card to pay down debt. It was not used to stimulate [more...]
Date: 2008-10-16 13:00:23
Did collection calls contribute to Floridian's death?
Filed under: Credit , Debt Florida law firm Morgan and Morgan filed a first-of-its-kind lawsuit alleging that a company's collection calls were so frequent and harassing that they contributed to a person's death because they increased Stanley McLeod's blood pressure and stress levels. McLeod's debt problems stemmed from the fact that he had difficulty paying his mortgage because he had to quit his job at Sears after suffering a massive heart attack. [more...]
Date: 2009-09-17 19:00:00
10 Tips on Saving Money
Tip 1 ” Although credit cards are a convenient way to pay for things they can lead to trouble if you cannot afford to keep up with the total repayments. Interest on credit cards is often offered at an extremely low rate for the first few months and increased dramatically therein after. Debt can quickly spiral out of control and become unmanageable for many people therefore it is sometimes necessary to consolidate all of the debt into one manageable package by engaging in one small low cost loan. [more...]
Date: 2009-09-19 11:18:31
Immediate Credit Card Debt Relief
Credit card debt relief can be accomplished through several ways. First of all though is to accept the fact that paying a monthly payment that is more than 20% of the monthly income other than for a mortgage or rent spells trouble. [more...]
Date: 2009-09-26 11:20:17
No Money Buy HDTV Now
I was thinking to use credit card to buy HDTV and pay by installment for 2 years, but I still cannot afford to pay for the monthly installment due to my financial problem. I think I have to settle all my debt first before purchasing HDTV, may be I can buy it after next year [more...]
Date: 2009-01-15 04:02:52
Debt Consolidation benefits
Every month we are paying lots of bill to various stores and agencies. Nowadays it is difficult to meet daily requirements ... . The collection agencies are working on two ways namely first party and second party .If you have any problem with collection agencies then counselors will handle your problem. The counselors also [more...]
Date: 2009-01-04 15:53:22
Five Ways to Consolidate Your Debts; or is There Another?
Debt consolidation is always tricky and if you don’t go by the rules, you might land up in great trouble ... the 20%-plus you’re now paying to the credit-card company. 5. Negotiate with others: This final bit ... . First of all you must remember that debt consolidators are not doing everything [more...]
Date: 2008-12-20 18:24:33
Slippy pavements and debit cards
AyeRight writes for the evening edition of today's gurn: ... in order to add more debt to our already laden pieces of plasticOur debt: take a look here.But ... afford to pay it back, the problem is they have already given it away.When debit cards were first [more...]
Date: 2009-01-14 15:59:00
First Time Home Buyer Seminar Invite!!
I hope everyone is having a great start to the New Year! ... in value. 5. Equity buildup and debt pay down - homeowners enjoy an average net worth [more...]
Date: 2009-01-15 18:32:19
Making the most of mortgage overpayments
By Rupert Jones Shock news: Brits are repaying their debts. For years we were Europe’s most credit-happy consumers, unable to resist the lure of super-sized mortgages and seemingly addicted to flexing our plastic – but now it looks as if we have caught the thrift bug. Bank of England data issued this week shows that, for the first time since records began in 1993, homeowners are paying back more on their mortgages than homebuyers are borrowing. [more...]
Date: 2009-09-07 01:09:47
Debt Consoldiation: The Benefits of Consolidating Debt
Amazon.de Widgets Debt Consoldiation: The Benefits of Consolidating DebtBy: Daniel Millions - Debt is a big problem for millions of Americans and other citizens around the world. Debtors who are in exceptionally deep often die with bills unpaid, and the debt is passed on to their relatives. When credit first became available, it was nearly impossible for the average consumer to acquire a credit card. Nowadays, companies want people who have trouble paying their bills, because that means they wi [more...]
Date: 2009-06-28 20:02:50
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, ... then to have to file Bankruptcy and they get no money it’s all i can sent (not only Debt i have) should ... of my debt within the next 5 - 7 years? There are two reasons for the 5-7 year question. The first [more...]
Date: 2008-11-19 13:59:48
Obama's Brilliant Idea? Spend More Money On The Deadbeats Who Couldn't Pay The Mortgages They Shouldn't Have in The First Place
Great fiscal dem policy to start off a new administration, get or save mortgages for people who are here illegally, or those who have no SS #s, ... to pouring it towards bad debt after bad debt? I paid off my mortgage per the rules set forth ... or no jobs, most importantly with no way to pay the present mortgage a second lifeline [more...]
Date: 2009-01-15 06:13:00
Here Is A Good Plan for Dealing with Tax Debt
Author : Vlavladi Vishnu If you are in need of tax debt relief you are part of a growing numbr of people With the economy htiting bottom and the financial world remaining shaky, many pople find it difficult to pay their tax bills For this reasson, it is vitally important to accept and understand that there is inndeed a serious isssue to be dealt with, and then to formulate a “plan of atack” Usually people who are dealimng with tax debt will have failed to file at least one reurn The first [more...]
Date: 2009-09-09 08:29:42
House shines light on student bankruptcy
“Earlier this week the House held a hearing on private student loans and bankruptcy, shedding light for the first time on a rather unknown yet devastating aspect of student debt. Did you know that because of legislation dating back to 1976 under the Higher Education Act private student loans are unable to be discharged through bankruptcy? In other words, feel free to run up the credit card and splurge, but take out loans to pay for education? That’s just reckless. [more...]
Date: 2009-09-29 02:57:21
Is 3 Way Links A Scam? Well It Worked For Me
by Catherine Smith 3 Way Links is a product that helps the online marketer and webmaster to get a high page rank and get more traffic and most ... me out of debt, so I certainly can’t complain. I should point out that this is not an ebook, or some other useless product, it is a service. You pay a monthly fee, which put me off a bit at first [more...]
Date: 2009-01-15 23:25:30
Is 3 Way Links A Scam? Well It Worked For Me
by Catherine Smith 3 Way Links is a product that helps the online marketer and webmaster to get a high page rank and get more traffic and most ... me out of debt, so I certainly can’t complain. I should point out that this is not an ebook, or some other useless product, it is a service. You pay a monthly fee, which put me off a bit at first [more...]
Date: 2009-01-15 23:21:10
How to choose between Debt Consolidation or Bankruptcy
Unfortunately most people who have credit cards have so many that they spend almost everything they make in a month on paying those cards ... of trouble. The credit card company won’t come after you right away, first they add a late fee ... the companies are calling threatening you with lawsuit and wage garnishment. You now have two options [more...]
Date: 2008-12-16 05:11:37
The real pay-to-play scandal
The San Francisco Chronicle lists all the groups that supported Obama and now have their own agendas that they hope he will do first. It's a depressing list. The Washington Examiner reports on how the House has already delivered on its debt to the trial lawyers. Labels: Politics [more...]
Date: 2009-01-12 12:43:46
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