If you've got $13,000 in bad credit card debt, ask for help!
bank of j. Or at least stop adding to it :) One of my friend's bf had been going slowly under in credit card debt for years now, ... bad it actually was. He was $13,000 in credit card debt, spread across 3 cards with interest rates ... me want to vomit when i heard that...can you imagine? it's one thing to have a lot of debt [more...]
Date: 2008-08-28 15:57:30
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HOW I PAY OFF MY CREDIT CARDS
When year 2008 started, I made a list of what I should do. Most of my entries were about paying off my credit card debt. And here are the things I did to generate enough money to pay for those credit card balances ... name. They are earning me about P50.00 (US$1) a month on interest. My credit card charges [more...]
Date: 2008-11-09 02:36:11
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
Top 5 ways to ease the strain on household finances
by katie George The onset of the global credit crunch across the UK last year, combined with the after effects of a series of interest rate rises, ... your debts. If you have a range of higher interest debt such as credit cards, store cards, and high ... consolidation loan, which can ease financial management as well as reduce your monthly outgoings. 2. [more...]
Date: 2008-12-15 21:12:10
The Fed Should Buy Down Consumer Credit Card Rates - Fast
Lets say I owe the bank behind my credit card 1k dollars and Im paying 10pct interest because the best I can do is a little bit more than the ... that I have my credit card with and charge it 5pct plus some warrants to in turn loan that money back ... with to help save people’s homes, are many of the same banks that are pounding credit card holders [more...]
Date: 2008-10-24 23:38:36
Debt Relief Available in Many Forms
Getting into debt is so incredibly easy. Just one credit card used irresponsibly or a single financial crisis situation can lead to catastrophic ... . If you have more credit card debt than you would like, but are still able to do so, taking advantage of zero percent interest or very low fixed rates from credit card companies you already know may make [more...]
Date: 2009-01-06 09:43:22
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, ... card debt. Although our debt is exorbitant, we have been making real progress towards paying off debt ... -interest credit card that will soon be paid off, our interest rates are pretty manageable. After [more...]
Date: 2008-12-09 15:49:26
debt consolidation
My sister is actually on her way to freeing herself from one of the most humiliating stage of her life - her credit card debt ... and interests keeps on blowing her bills thus making it impossible to finish settling the said credit issue ... of financial debt (read: credit cards, fast cash and all). Anyways, with this consolidation, a debtor [more...]
Date: 2008-11-25 02:17:03
Reining in Harmful Credit Card Practices
By Karen Harris, Supervising Attorney Medical emergencies, unexpected events, job loss, ... risk” consumer’s ability to pay off credit card debt may be exacerbated by the likelihood of unexpected ... or other credit card debts pay higher interest rates or have other penalties or restrictions placed [more...]
Date: 2009-01-09 18:20:42
Beware of Debt Reduction Advice
In a recessionary period like the one we are experiencing today there is a natural increase in personal financial turmoil ... associated with servicing such debt at very high interest rates, in particular credit card debt ... , the victim’s debt has actually grown. The credit card company has written off the debt resulting [more...]
Date: 2008-12-12 11:00:20
'¡Carguelo a mi cuenta!' campaign retreats among Mexican banks
Mexico's love affair with high-interest credit cards appears to have been a short-term romance ... one. As the country deals with its own economic slowdown, Mexican banks are seeing higher rates of credit card default ... , it shouldn't be a big surprise that credit card defaults are on the rise in Mexico. Considering that many [more...]
Date: 2009-01-09 13:34:02
Earn 20 Percent on Your Money - Guaranteed
GW_94 There is no quicker nor sure-fire way to improve your current financial condition than to pay off high interest debt, especially high interest credit card debt. Remember that “a penny saved is a penny earned” ... who carries about $10,000 in credit card debt, you’re probably giving away between $1,800 and $2,600 [more...]
Date: 2008-12-03 06:01:48
Practical Guide On Debt Consolidation
by Don Pedro Debt consolidation is a way to manage or even reduce the amount of debt someone has ... about your loans, interests, credit card debt, card information, your monthly income ad ... moderates the program and he deals with all other creditors on behalf of you. A proper debt consolidation [more...]
Date: 2008-12-27 10:39:46
Is Your Credit Application Affected By Your Job?
The following is a guest post by Tisha Tolar. Special thanks to Tisha for filling in while I’m on vacation ... to a new credit card company to avoid increased interest rates or to consolidate card balances, make ... for and obtain. Now, the application process of a new credit card is much less guaranteed. For many [more...]
Date: 2008-12-01 14:29:30
Bad credit mortgages
by Mary Bush A bad credit loan mortgage is a way of purchasing a house, even with a poor credit score ... Consolidation News Best Tips to Manage and Eliminate your Credit Card Debt ... interesting residential property acquisition program. No credit is needed, no banks are involved, and most [more...]
Date: 2008-12-22 16:39:25
Keeping Your Mortgage Interest to a Minimum
When it comes to buying a home and taking out a mortgage, the fact is that the interest you pay will likely be your biggest expense ... things you may not have thought of. Before applying for a loan, many people close credit card ... their lowest interest rates for those with the very best credit scores and credit histories [more...]
Date: 2009-01-15 02:50:33
Handling Your Debt - What Tax Implications Are There?
by William Blake Sometimes when considering different ways to handle debt some fail to consider how some options may have a better tax benefit than ... to finance just about anything - an auto purchase, repayment of credit card debt… you name it. Even if your home equity loan has the same interest rate as your credit card it is still the better [more...]
Date: 2008-09-18 18:16:28
50%+ rally in the stock market but situation is getting much worse
We have enjoyed a +50 percent rally in the stock market yet this rally has been unable to create private sector jobs or stem the economic pain for most. Millions have seen their bills skyrocket, credit card interest rates hiked, hour’s cut, wages slashed, and are dealing with an accelerating decline in home prices (FL) and pitiful stock portfolios. In order to get a sustained recovery, consumer spending (70% GDP) will have to rebound sharply, which is not going to happen anytime soon. [more...]
Date: 2009-09-29 12:17:40
Death of the Balance Transfer Arbitrager
Jim writes about personal finance at Blueprint for Financial Prosperity ... in on the game, getting about $15,000 in credit card debt and earning a little interest on the side ... from a credit card. My list of no fee 0% balance transfers was so long I left some cards off simply [more...]
Date: 2008-09-02 12:55:18
Let's Hope We Don't Have To Go Back To Trading Wampum For Roadkill
When I was a kid, fast food chains weren't as pervasive as they are now ... phones.One thing I have stuck to, though. I've never paid a dime in credit card interest. I get my bill ... to function as an adult in America without a credit card. After a job, it's the #2 source of consumer [more...]
Date: 2008-12-02 15:00:00
6 Powerful Easy Tips for Living Debt Free.
by Finance-Experts-Team It does not matter if you are a beginner or an expert business owner ... that almost every one likes to enjoy the benefits offered by low interest credit cards, but they never read their statements when they have to pay back the bill. Credit cards involve the risk of starting [more...]
Date: 2009-01-06 10:45:18
Getting Finances in Order
When the husband and I talked about our goals this year, one of the things we agreed about is to pay the balances on his credit cards immediately ... . The two cards have both running interest rates that are quite high so it is a smart decision to clear them as soon as possible. We have ... [more...]
Date: 2009-01-15 17:35:39
Credit Card Debt
Are you having problems with not being able to pay down your credit cards and only paying interest each month? If so, then maybe you should consider debt consolidation. Many people let this get out of hand and don't do anything about it before it's too late. I know from experience, it would be nice to pay [more...]
Date: 2008-12-22 16:16:00
Ten for Tuesday (January 13, 2009)
Here’s this week’s Ten for Tuesday. Enjoy! 1. My friend, Lindsay, details how she and her husband are handling allowances. 2 ... , same-as-cash, and no-interest-no-payments. 6. Protect your FICO score as more inactive credit card ... break out the credit cards. 7. The Digerati Life offers up some pointers on preparing for a job [more...]
Date: 2009-01-13 17:39:22
My latest post at the Young Mathematicians Network blog is on how to get from graduate school to your first academic job without hopelessly screwing ... , and so on — on credit cards at 15% to 18% interest. My indebtedness went even deeper ... -interest debt, after telling myself I’d finally be able to afford nicer things once I had a job [more...]
Date: 2008-12-14 18:42:56
Don’t Let Debt Become a Burden on Your Life
Many of us enjoy using credit cards. It sure does make life a lot simpler when buying something ... want to consider unsecured consolidation loans to help with the burden of credit card debt ... . The trouble with credit cards is that you have to pay off the debt quickly or interest rates [more...]
Date: 2008-12-23 20:16:38
Re: Edwards to speak publicly again
Senator John has been a modern day Paul Revere. I remember his July 2007 Coopers Union speech where he tried, oh so gently, ... national laws protecting us against the worst abuses in credit markets predatory mortgages,abusive credit card terms, and payday loans with interest rates of 300 percent or higher. Finally [more...]
Date: 2008-11-11 06:22:53
Solve Your Money Issues
There’s a saying that goes “you’ll get out of it what you put into it” ... I’ve learned from the quiz. Debt consolidation is when you consolidate multiple credit lines into one low interest loan or credit card - it typically involves a debt consolidation loan, but could [more...]
Date: 2008-07-21 20:34:00
Credit Card Banks 'Rate-Jack' Customers
It arrived in Rich Stevens' mailbox a few weeks ago: the notice that Citibank had "rate-jacked" the Visa cards belonging to him and his wife. Some credit card holders have seen their interest rates go up dramatically, a practice called ... , he said. Stevens said he did not know why the rates had soared; his credit rating is great. [more...]
Date: 2008-12-19 19:31:17
The Wonders of Consumer Counseling for Debt Management
John Cummuta Reviews Many people fall into the trap of mismanaging their debts and oftentimes find themselves in debt far off than what they ... to consider consumer counseling services. The first thing that will be required of you is to list down ... . Consumer Credit Counselors can help you with your credit card problems. They can revoke interest [more...]
Date: 2009-01-15 01:17:33
Does Mobile Marketing Infringe on Your Privacy?
Naturally, privacy watchdogs answer the question in this post title with a resounding “Yes! ... a new car recently, and went on the mobile phone looking for a lower-interest credit card,” said Jeff ... to know that? Marketers for fast food companies, car insurance companies or credit card companies? It’ [more...]
Date: 2009-01-13 22:52:51
Good Byes and Handshakes
Part of the supporting cast, I landed this role, but I've never been handed a script. The camera keeps rolling while I make shit up ... of words keep drifting through the mind. Like debt load, financial obligations, credit card, interest ... I'm not getting it? No one has really filled me in on that. Guess it would either mean a lawyer [more...]
Date: 2009-01-14 17:45:00
Getting Out Of Debt The Old Fashioned Way
Many people these days are struggling with debt that they cannot afford ... excessive credit card debt cut up their credit cards. While for some this may be a much needed thing ... there are debt consolidation plans that sometimes result in negotiated lower interest rates and balances [more...]
Date: 2008-12-26 21:00:36
Compare Credit Cards After the Holiday
With the holidays almost upon us it is without question that many of us went over the top in terms of spending this year, ... loans that will cover all of our debt. But what many people will do in terms of making things a bit easier, freeing cash flow, and lowering interest rates is to consolidate all credit card debt onto [more...]
Date: 2008-12-18 20:00:57
Winners and Losers from Current Economic Situation.
In the current economic situation we have Low inflationLow PoundVery low interest ratesDeclining output / rising unemploymentWinners include: ... is not rising ( at moment). In theory people with credit card debts should benefit, but, in practise, banks have not passed rate cuts onto those paying credit card debts. Interest rates are still around 16-17 [more...]
Date: 2009-01-13 06:40:00
Short Term Debt Problems - Take Control
Short term debt problems are manageable problems associated with temporary job loss, sickness, ... your credit card balance onto another card, with a 0% interest period is also a recommended action ... into consideration when evaluating your credit situation. Prioritise your Payments Prioritizing [more...]
Date: 2009-01-10 10:47:14
Why stop with capping payday loans? Banks are just as bad.
Obviously, banks have better lobbyists than payday lenders, why else can someone who has no problem charging $37 ... than $300, yet, credit card balances can be several thousand dollars. Which is worse, missing a payment on a credit card and having your interest rate go from that low intro rate of 15.9% to 29 [more...]
Date: 2008-06-07 13:02:45
Home Equity Financing Options - Should You Get a Home Equity Loan?
div style=’float: right; width: 100px; padding: 5px; margin: 5px; background-color: #FFFFCC;’font size=1font color=’#cc0000′bTip! ... for consolidating or eliminating high interest credit card debts. This way, you are able to pay off ... access to emergency cash may opt for an equity line of credit. However, if you are not interested [more...]
Date: 2009-01-12 15:30:50
Lending Club Portfolio Reorganization
Hello frugal people!!!! I have written about Lending Club in the past and how much I love the service. I got a loan with LendingClub to help take care of some credit card debt and it was truly ... on my debt because I was able to consolidate my higher credit card debt into one lower interest loan [more...]
Date: 2009-01-05 12:17:20
another one of those “Thailand” posts
Ok so I’m back to scheming about getting the best exchange rates for my Australian money in Thailand. Obviously, cash is always best ... advances on my credit card and then pay it back to the card pronto pronto to avoid interest charges ... , with 20,000 baht, they make 728 baht, or 3%. To compare that with regular purchases on my credit card [more...]
Date: 2009-01-16 02:29:06
Why Those In Debt Choose Consolidation Debt Programs
by Lee A. Beattie Whether we are or are not in a commercialized recession is for the administrative officials in Washington to debate about, ... and interest rates as credit card debt is fundamentally an unsecured debt so in that respect ... of services aid you with debt consolidation. They will act on your behalf to consolidate your credit [more...]
Date: 2008-08-22 12:55:34
Why Internet Marketers Love The Global Recession!
Internet marketing experts are thriving today as never before; ... out the storm on credit. Credit card companies are lowering limits and/or raising the interest rates ... -to-Consumer business is just as bad, if not worse. Millions of jobs have evaporated in the past year alone [more...]
Date: 2008-12-31 05:02:24
Sunday Money Roundup - Frugal In Winter In The High Desert.
So, with over 2 feet of snow on the ground the other day, I hung out our laundry. Yep, the thermometer read 22 degrees, but at this altitude ( ... about buying something? He needs your advice! Gather Little By Little dips his toes into a 0% interest credit card. Go see what he is using it for! MoneyMate Kate tries to deal with United Airlines [more...]
Date: 2009-01-11 14:00:43
Don’t Worry, Be Happy: Surviving the Financial Crisis?
Are you surviving the financial crisis? While the mainstream media seem more interested in spinning stories of foreclosures, ... a credit card balance, or like my wife and I, added a photovoltaic system to power our all-electric CitiCar ... Americans are exiting the debt-based economy, paying off credit cards, canceling car loans, paying [more...]
Date: 2008-11-20 04:12:42
Debt Consolidation: Now’s the Time
By: Catherine Brock The Roman Empire fell in 476, and the Berlin Wall came down in 1989 ... out your debts and their respective rates. With the help of a credit card payoff calculator, compute the total ... to combat inflationary pressures. Domino effect If interest rates do rise, credit card debt and debt [more...]
Date: 2008-06-23 15:08:21
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
Government Public Records Search - Why Your Personal Information May Not Be Safe
So how private is your private information? Did you know that your records can be made available government public records to just about anyone with ... lawsuits, employment and unemployment. Your bankruptcy filing, which also contains credit card ... to serve the interests of those seeking information on you such as financial institutions, debt collect [more...]
Date: 2008-12-12 17:38:18
Obama Wants America Out of Debt - Legally Erase 50% of Your CC Balance!
Too many people in the USA are drowning in credit card debt.The average American family has approximately $10,000 worth of debt and if they fail to keep up their minimum payments they can end up paying of this debt for the rest of their lives with an additional $40,000 worth of interest racked up.Fact: Credit-cards ... [more...]
Date: 2009-09-23 19:14:53
21 Ways To Save Some Cash By Letting Your Fingers Do The Walking
The twin mantras of a great personal finance strategy is to make extra money and spend less than you earn ... your credit card company. If you’re maintaining a balance (and hopefully working to become debt free), call your credit card company and ask for a lower interest rate. The national average is around [more...]
Date: 2009-01-07 06:01:46
Debt relief Deals “attack on the confidence of consumers”
How’d you to your monthly credit card payments and loans - guaranteed? ... said Carol creditors can lower their interest rates. Carol, who can pay their credit card, mortgages ... rate or reduce the amount you are liable. But beware! Some of these programs are debt relief Scams [more...]
Date: 2008-07-18 10:38:03
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