Avoid Payday Loan

If you spend more than you earn on a regular basis, it is a bad practice ... to borrow a loan, so you can save 15-30 USD by not paying the loan interest! • Use your credit card ... companies often make use of your needs and leads you into the debt trap. The most obvious drawback [more...]

Date: 2008-12-04 12:36:55

Blog posts (304) | Videos (228)
 

How to Keep From Getting Judgment Liens

Judgment liens can be placed against ones home or other assets when they refuse to pay credit card bills, home improvement bills, ... against the home of the person that owes the debt. While a judgment is often said to not be as serious [more...]

Date: 2009-01-15 14:38:39

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

To Consolidate Credit Card Debt…

…with a home mortgage, you will generally be refinancing your property and taking cash out to pay off the debts. [more...]

Date: 2009-01-13 13:45:03

6 Step To Improve Your Credit Score Now

Your credit score is probably the single most important number in your financial life ... who hasn't? Lenders aren't that much different. Pay Down Debt 30% of your score is based on the how much [more...]

Date: 2008-12-02 17:06:27

Consolidate credit card debt with debt consolidation - Loan Modification not the answer

Amazon.de Widgets Consolidate credit card debt with debt consolidationThe move by the FTC comes as federal and state officials plan to expand a crackdown on mortgage-related scams to other schemes that prey on debt-ridden consumers.. Try Credit card debt consolidationCan’t Pay Your Bills? You’re not alone. Today, millions of Americans are having difficulty paying their debts. Most of those in financial distress are middle-income families with jobs who want to pay off what they owe. [more...]

Date: 2009-09-23 18:54:41

That Makes Me Stabby: Do We Have an Obligation to Spend?

The other day I was watching CNN. (I need to stop doing that. It tends to make me stabby.) ... . I didn’t buy multiple cars I didn’t need. I didn’t let mounds of credit card pile up without panicking ... , not permanently. As I said yesterday, we need to pay down our debt, but the government also needs to fund [more...]

Date: 2009-01-15 01:51:12

Top 10 Ways To Save Money - Number 2 - Live On A Budget

Let’s take ten minutes and create your new budget for December. Write down your expected monthly income.  (Use your take-home pay.) ... , mortgage, insurance, food, clothing, gifts, miscellaneous, cell phones, credit card payments, etc.  Need ... !  This is the amount that you can budget for extra savings or extra debt reduction payments.  Did [more...]

Date: 2008-11-29 21:41:51

What Would Happen if You Get Into Financial Trouble

With new technology constantly coming onto the market, the prices of everything rising, and the introduction of more and more credit cards, it is very easy to understand why an increasing number of people are finding themselves in debt. Personal bankruptcy is at all time high because now people are having problems paying for their homes. However, individuals who see quickly that they have a debt problem then there is help available. [more...]

Date: 2009-09-25 09:05:07

Retailer’s Credit Cards: What Are They, And Should You Have Them?

by Steven J. Talrechi The ads for them are everywhere ... for the next two years. This sounds like a great deal; however, if you can’t pay off the balance ... scenario is not to get into debt with these types of purchases at all and instead pay cash [more...]

Date: 2009-01-14 15:19:57

2008 Goals

For some reason I can’t seem to mentally grasp that 2008 is almost over.  I feel like I was just writing this same article but back in 2007 ... for any necessary repairs or problems. Goal 2: Payoff our last credit card. This one will be a bit ... for 2008 and how I did with them: Goal 1: Pay a minimum of $1,000 a month towards out debt [more...]

Date: 2008-12-17 11:24:58

In 2009 Go Back to Basics

Hi All,  Like most hardworking Americans you probably spend a good deal of time working for your money ... % credit card.  Dump it.  If you owe money on rent-to-own appliances, pay it off. If you have back taxes ... be wishy washy, eliminate high interest debt.   4) Own your own home.  Home ownership increases [more...]

Date: 2009-01-07 20:11:16

Christmas: Paid In Full

Yippee! I don't have to pay my Christmas bills if I just download this sheet of stickers from Benny Hinn and follow his simple instructions:CLAIM YOUR DEBT CANCELLATION TODAY BY USING THESE STICKERS!Place a sticker on your mortgage, loan, and credit card bills, as you ask God to give you a financial breakthrough.As you send in your seed [more...]

Date: 2008-12-27 02:35:00

We're Borrowing Like Mad. Can the U.S. Pay It Back?

By Greg Ip at the washingtonpost.comIn its battle against the financial crisis, the U.S ... the government credit card to work with a massive fiscal boost for the economy. Necessary as these steps ... $800 billion of stimulus spending, and U.S. debt soars to 60 percent of GDP by 2010 -- the highest [more...]

Date: 2009-01-12 11:13:00

Individuals With Too Much Debt Can Receive Monetary Assistance From Federal Grants – Available Now!

Owning a home is a great responsibility and equally a huge reward. Many people who move from an apartment into their own home cite it as one of the most enjoyable experiences of their lives. Home ownership is a very long commitment to a mortgage and that responsibility doesn’t go away just because other circumstances may change. In a financially challenged economy, many homeowners find themselves facing hardships when it comes to keeping their house payments up to date. [more...]

Date: 2009-09-29 18:16:01

They Call This Season ‘Fall’ for a Reason

Photo: Matthew Bradley / flickr So now it turns out that the whole Troubled Assets Relief Program (TARP) was a flop or more likely a scam. Remember Bush Treasury Secretary Henry Paulson telling us last September that credit markets had locked up, and then, after half of the $750 billion that he extorted out of Congress was handed out to Wall Street firms, new President Barack Obama justifying the spending of the second half of the money because we needed to “get the banks lending again”? [more...]

Date: 2009-09-28 16:27:36

They Call This Season ‘Fall’ for a Reason

Photo: Matthew Bradley / flickr So now it turns out that the whole Troubled Assets Relief Program (TARP) was a flop or more likely a scam. Remember Bush Treasury Secretary Henry Paulson telling us last September that credit markets had locked up, and then, after half of the $750 billion that he extorted out of Congress was handed out to Wall Street firms, new President Barack Obama justifying the spending of the second half of the money because we needed to “get the banks lending again”? [more...]

Date: 2009-09-28 16:27:36

Debt Buyer Beware

If you receive quotes from anyone who does NOT ask you who your creditors are, you better RUN! With so many people in a financial hardship these days, many unscrupulous, untrained or ignorant people are jumping onto the debt consolidation band wagon… unfortunately this could mean big trouble for you! Did you know Citibank, Discover and Bank of America are much more likely to file a lawsuit against you if you make the mistake of enrolling into a bad debt setllement program over 24-30 months. [more...]

Date: 2009-09-29 15:22:37

Resisting The Urge

I have met a lot of people who have taken steps to improve their finances in an incredible way, and then they fall victim to "the urge".  What is "the urge"?  It takes shape in various forms.  Here are a few … I have put off fun too long.  I deserve to have some fun.  It is OK to take a vacation and pay for it with our credit card. That is AWESOME!  I want it.  No, I don't want it.  I need it!  It is OK to use my emergency fund for this purchase. [more...]

Date: 2009-09-29 08:00:45

Never Show up to a Gunfight with a Knife

Why do so many people struggle with money? Why is it so difficult to get ahead in a time of such prosperity? Why do the rich keep getting richer while the poor and middle class seem to continually struggle? I’ll tell you the answer: Most people follow bad advice and mimic strategies of the financially unsuccessful rather than imitating those who are already wealthy. You see, every day you make money choices that affect all areas of your life. [more...]

Date: 2009-09-28 20:03:13

The 7 new rules of financial security

In a world turned upside down, you must re-examine some basic assumptions. A good place to start: understanding the true nature of risk.John Maynard Keynes, the Depression-era economist who’s having quite the comeback, once quipped when he was accused of inconsistency: “When the facts change, I change my mind. What do you do, sir?”Money has long advocated the benefits of consistency in your investing and financial planning. [more...]

Date: 2009-09-29 10:57:27

What Are The Benefits Of Using 0% APR Credit Cards?

Amazon.de Widgets The practice of chasing 0% credit cards has been around for a while now. Let’s face it, if you could guarantee continual use of credit cards without paying interest you too would jump from one card to the next.0% credit cards are as popular today as when they first appeared a few years ago and even during these harsh economic times credit card usage and the pursuit of these deals is continually increasing with massive increases in the past 5 years alone.How much of the blame [more...]

Date: 2009-09-29 12:13:36

Top Tips on How to get out of Credit Card Debt

With the sharp rise of purchasing power, people are now facing credit card debts more often than ever. Previously many individuals had to face the court because of their failure to pay off the debt within the scheduled time. The question how to get out of credit card debt now looms large over everyone's mind. However, it's not that easy to cope up with this kind of problem. For the easy repayment of such loan, you must be fully aware of your financial condition. [more...]

Date: 2009-09-29 11:29:03

Twitter Tuesday Profile: @MeWithoutDebt

It wasn’t one big splurge like a boat or a car that pushed our next Twitter Tuesday Profile into nearly $30,000 worth of credit card debt. It was small, menial purchases put on plastic that piled up over time. While this single 30-year-old research assistant in Washington DC prefers to remain anonymous, they are very open about their personal finances on their blog, MeWithoutDebt.com and through their Twitter account, @MeWithoutDebt. [more...]

Date: 2009-09-29 11:57:04

Divinity, Love & Living!

Last week I announced that we were going to be embarking on a fabulous new adventure — & here we are! My amazing friend & psychic advisor Joycelle will be doing weekly readings right here! Am I on the right path & is this a viable career choice? I’m feeling as if the relationship I am in is falling apart, just wondering what to do & if the right person is ever going to come along. [more...]

Date: 2009-09-29 01:04:07

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

Get Your Credit Card Debt Paid Off

In an ideal world, the way to avoid debt is to never get in it. This is probably unavoidable as you are deep in debt as you read this. You may have liked the low interest rate when you first open the account. Then life happened and you had the charge everyday items on the credit card. And before long you found yourself suffocating from a massive debt load. In addition to credit card debt you may also have tons of student loan debt or medical debt. You could also have student loans from your college days. [more...]

Date: 2009-09-29 14:16:34

Immediate Credit Card Debt Relief

September 29, 2009 | By Ross Taylor In Finance | by Glen PearsonThe secret is creditors do not want you to have any plan at all with your money. Credit card debt relief starts with new habits. The first habit to start paying cash for everyday things. Do not charge your grocery bill and you’ll start spending less. Habits are easy, if you just start them. A new way of thinking is, the next time your DVD player breaks, save up for a new one. [more...]

Date: 2009-09-29 16:46:32

ScamBuste 286

NOTIFICATION OF PAYMENT VIA ATM CARD This is to officially inform you that we have verified your contract/inheritance file presently on my desk, and I found out that you have not fulfilling the obligations giving to you in respect to your contract payment. Secondly, you are hereby advised to stop dealing with some non-officials in the bank as this is an illegal act and will have to stop if you so wish to receive your payment immediately. [more...]

Date: 2009-09-29 08:54:51

Student Loan Consolidation

by Layla Vanderbilt If you are struggling to pay off your student loans, or to balance the payment of multiple student loans, you may want to consider student loan consolidation. This approach is particularly helpful for borrowers facing forbearance or deferment, or if your level of debt is effecting your credit score. You can often decrease your level of debt, interest rates and number of loans in one step through loan consolidation. [more...]

Date: 2009-09-29 14:56:40

How to Improve Your Credit Score When Paying Down Debt

Kudos to you for focusing on paying down your debt. Regardless of what you do from here on out from a credit score perspective, you are already doing the best of all things – paying down your debt. However, you can make some small mistakes in the process that will hurt the improvement of your credit score. Hopefully, with some advice, you can avoid them. Don’t Cancel Cards When you pay off a credit card, it’s very tempting to cancel the card and cut it up into tiny little pieces. Please don’t. [more...]

Date: 2009-09-29 11:00:28

Bad credit loans: civilizing bad debt condition

Credit runs in to a lives and has outcome on roughly each preference we make. Bad credit runs in a credit focus and has goods on each loan we borrow. A recent consult has shown that a single fifth of a adult race cannot validate for unchanging loans. For such a outrageous loan borrowing race there have been specific loan programmes called bad credit loans. With bad credit loans we can steal loan amounts of a likes of 5000-75,000. Repayment tenure will change from 5-25 years. [more...]

Date: 2009-09-28 15:22:42

Uncle Sam

To be fair, illustrating the personal finance page is a difficult and thankless job. Being asked, week after week, to draw a picture of abstract ideas like "the importance of maximizing your 401(k) contribution" -- on deadline -- is not an easy task. There are only so many giant piggy banks, ladders and staircases one can get away with. [more...]

Date: 2009-01-10 00:26:08

School Loan Consolidation Facts

School Loan Consolidation Facts by Sarah TaslkinstenIf you find that you have a lot of small loans, you might want to try to do a loan consolidation to gain financial freedom. Several people have turned to loan consolidations to help relieve the burden of debt. Of course your debt is not going to go away, but you can make your monthly payments smaller and get a smaller interest rate.The economy has taken a turn for the worse and with that comes debt. [more...]

Date: 2009-09-28 14:43:16

Will Your Credit Score Be Ruined By Credit Card Debt Consolidation Negotiators?

Amazon.de Widgets Credit card debt negotiators claim that they can help you pay less than you owe. Read the truth about credit debt negotiation scams. Protect your credit history.There are different reasons why people fall into debt. All of a sudden you may realize that you just can not make your regular payments. All of your bills and credit card statements drive you to the point of insanity and it seems that you will be unable to get out of this pit without help. [more...]

Date: 2009-09-29 11:50:50

Love in the Time of Economic Recession

“C’mon, Love, think about it,” he says in that adorable and sometimes impossible-to-comprehend British accent of his, “You can move in with me! ... , and the dwindling contents of my checking account (and slowly rising credit card debt) made the idea of rent ... to be taken seriously (the four vodka cocktails I’d consumed that night didn’t help, either [more...]

Date: 2009-01-14 14:35:30

Discover How To Make The Best Deals With Original Creditors

By Michael Redbourn There are lots of articles around that explain how to talk or not talk to debt collectors and many people think that they should handle negotiations with the original creditor in the same way, and that's absolutely wrong. The original lender doesn't have to help you at all, but if you handle the negotiations in the right way you might save yourself around 45% of your total debt, and you might get the very best comment on your credit report too. [more...]

Date: 2009-09-29 01:02:09

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

Oh those No Spending Days

Since Saturday I have managed a total of 4/5 days as no spending days! Wow does it feel good. Correction, it feels great! ... incredibly warm, relaxing, mellowing about not spending. Firstly it means you haven’t increased your debt ... , it means you’re avoiding the shops and rushing around to get petrol, milk, gifts for people, pay bills [more...]

Date: 2009-01-14 19:26:29

The Seven Habits to Financial Success… Part 3

If you’ve been following along in this series of posts, you know that I took the Franklin Covey class, “7 Habits of Highly Effective People, ... . As we all know, planning is pretty important when it comes to our finances. Trying to work our way out of debt doesn’ ... together for how we’d like to get out of debt or how we’d like to save for retirement, [more...]

Date: 2009-01-14 14:21:05

Guilty By Association

Many years ago, I used to run my sites out of an office building in an industrial part of Richmond. There were two other tenants in the building. One was an auto repair shop. The other was a drug dealer who used his unit to make illegal ... of association. The commentators asked me how many people I know who never run a Credit Card balance [more...]

Date: 2009-01-04 23:45:11

The Poverty Business

Sorry if this appears to be an older article, and not latest headlines, just thought it was interesting - loki The Poverty Business Inside U.S ... into Byrider, Tsosie drove off, jubilant, in a 1999 Saturn subcompact she bought entirely on credit ... access to credit has put cars, computers, credit cards, and even homes within reach for many [more...]

Date: 2009-01-15 00:45:24

Grab Life By the Disco Balls and Dance

This is my one and only life, and its a great and terrible and short and endless thing, and none of us come out of it alive. – Holly – P.S. I Love You The above movie is one of the most profound I have ever seen I think. It is one of those movies that teaches and inspires you as much as it entertains you. From the opening seen when Holly and Gerry are fighting I recognized that this Holly chick and I have a lot in common. [more...]

Date: 2009-09-29 16:52:47

How to Avoid a Lawsuit From a Collection Agency

The first thing you need to understand is that most large collection companies have a lawyer at their disposal who writes letters on their behalf ... to respond… they’ll sell the debt to another collection agency for pennies on the dollar. In order for them ... that they cannot legally be collected on. So even with a judgment to repay the debt… the collec [more...]

Date: 2009-01-14 19:53:56

How Canadian Retirement Affects Some Americans

by William Blake There are some Americans who live near Canada who have strong opinions about Canadian retirees ... MPH below the speed limit to enjoy it. Road rage doesn’t seem to be quite as big a problem in other ... Canadians seem to be oblivious to any problem and continue doing what they are doing. Shopping Together [more...]

Date: 2009-01-16 02:15:21

Transferring Your Credit Card Balance To a Balance Transfer Credit Card

Transferring your credit card balance is one option if you have a credit card debt and you are unable to pay it off. Your other options are to suffer the interest rate that is killing you, declare yourself bankrupt, or leave the country. However, before you decide on transferring your credit card debt to a new card with an introductory low interest rate, there are some points to consider. Find out which questions to ask your new credit card provider when transferring your credit card balance. [more...]

Date: 2009-09-29 13:14:59

Evil Credit Card Tricks

It was really interesting reading the comments in my Why You Should Never Live on Cash post. Many of you understood what I was talking about ... to avoid them. Do Not Pay Until 2010 This one is a classic. You’re offered a credit card with a free ... Cards are evil mindset. When it comes down to it, it’s not the Credit Card that is bad, it’ [more...]

Date: 2009-01-02 23:32:16

Seven Huge Financial Mistakes I Made During My College Career

Over the last few weeks, I have been reflecting on how many members of my rather close extended family are either near high school graduation or are in college right now. They have so many great opportunities ahead of them in the next few years - and so many chances to botch things, too [more...]

Date: 2009-01-04 14:00:00

Devise your own Credit Repair Plan

by Rob Kosberg You found yourself in a very bad financial situation. You may feel emotional, hopeless, guilty or all of them ... habits. It doesn’t mean a “debt consolidation,” program or a home equity loan .The word is PLAN. You will start by collecting all your credit reports, bill payment statements, and credit card [more...]

Date: 2009-01-14 23:53:58

It's time to settle the bill for all that festive goodwill

Thousands of shoppers who over-flexed their plastic on Christmas presents will be dreading checking, let alone paying off, ... on to a 0% balance transfer credit card and pay off whatever you can within the interest- free period," says ... what is known as an "adverse order of payments". This means that when you pay off your credit card balance [more...]

Date: 2009-01-04 00:04:34

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