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

Blog posts (586) | Videos (190)
 

A short note on a payroll tax "holiday"

By TigerHawk at 1/13/2009 09:13:00 AM Should we immediately pump money into the economy via a payroll tax holiday? ... will save most of the money or use it to pay down debt, rather than spend it or invest it an actual project ... debt. Why will it help (more than a little) to move yet more liabilities on to the federal [more...]

Date: 2009-01-13 14:13:00

What if we change our minds?

The day after Obama won might be the day when blacks stopped being so sweet and docile. Didn't feel like being meek, humble or kind ... be a way to 'pay the debt' owed to millions of Black people. We would right the wrongs of the past; we would show the world how progressive we are. I trust the debt has been paid. Personally, I've always [more...]

Date: 2008-11-18 15:30:43

Retirement Investing During Deflation

 If a recession becomes severe, dollars may suffer from deflation rather than inflation ... by reducing payments or restructuring.   As deflation sets in you’re paying off debt ... in value (real estate, stocks, etc).   Most retirees have no job to lose. They’re living off Social [more...]

Date: 2009-01-14 17:25:11

Emergency Private Pension Plan

The simplest kind of stimulus governments the world over could provide is to cut withholding taxes. Let people keep more of their money from each pay check. People will then do what they have to do. That is, they'll either use the cash to pay down debts, save it, or spend it [more...]

Date: 2009-01-14 04:26:58

Daily Tidbits: Delicious gets some 'intelligent' competition

ZigTag, a social bookmarking tool that has been in the works for years, has finally launched to the public ... with debt create and manage a plan to pay it down. According to the company, DebtGoal.com allows users to enter debt information, interest rates, and payment schedules into the app. Once input, it delivers [more...]

Date: 2008-12-29 17:28:00

My Everyday Look

I love dressing up. If only I have extra cash to buy clothes and accessories everday, I will. Unfortunately, I have a big credit card debts to pay off on my next payday but after that I will shop again for more dress, tops and jeans! Good thing that shopstyle has been created! From here [more...]

Date: 2009-01-15 04:42:14

I’ve talked the talk, but have I walked the walk?

With a name like “Debt Destroyer” it’s kinda implied that I’m spending my waking hours destroying debt.  I wish that was the case ... * *I originally included a credit card balance in my initial debt total.  But I always pay off ... to go out on a limb and say that I’m not alone in my debt reduction journey. How are you doing?  Are you pleased [more...]

Date: 2009-01-08 15:04:31

What Does “Late” Really Mean? Beware of Sneaky Credit Card Fees

I spend a lot of time watching and listening to financial news reports; and since we’re officially in a recession, ... , and the people who always payoff their balances. Here’s How Credit Card Companies Hit Responsible ... debts low and paying bills on time. However, it appears that credit card companies have found a way [more...]

Date: 2008-12-16 15:04:11

Could It Be ….. Recovery? If So, Hurry Up Already

I’m starting to like this 78-day presidential transition period more and more. That’s because in another 30 days or so, the economy might ( ... up monthly cash flow. Many others will be cash-out refis where the cash received at settlement will be used to make major puchases or pay down other debt. The idea that there has been some kind of “ [more...]

Date: 2008-12-18 17:29:55

How to make a solid and regular passive income from Adsense

As you are aware, Google offer publishers a tool for placing adverts on your site, Adsense ... knows, it’s quite common to see these “High Paying Keywords” questions in Internet forums, however ... , but these days are long gone. There are still high paying niches, such as Cancer, Debt, Insurance [more...]

Date: 2009-01-14 09:09:54

The Year of Yield

With 2008 having proved a humbling experience for most of the market, many investment managers are embracing a strategy that gives them, at least, some guarantee for returns. And that means a focus on corporate debt, which offers yields at high spreads when compared with government debt, as well as dividend-paying stocks, many [more...]

Date: 2009-01-02 17:48:49

The Year of Yield

With 2008 having proved a humbling experience for most of the market, many investment managers are embracing a strategy that gives them, at least, some guarantee for returns. And that means a focus on corporate debt, which offers yields at high spreads when compared with government debt, as well as dividend-paying stocks, many [more...]

Date: 2009-01-02 18:59:12

Cheap and Easy

Lately I've been bad at lunch. There are several scenarios that fall into this category ... the money for other priorities, like paying off debt, updating our home, going on a date ... that cry straight to the drive-thru line at some McNasty fast food chain. A whopping $6 bucks [more...]

Date: 2009-01-15 01:18:00

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

War On Vice

2009-01-14 Labels: Canadian Society 0 comments The nanny-state expands further.This is just plain scary ... ? Charging a blackjack dealer with murder if a known gambler kills someone for money to pay for debts ... and then walks into a bar. They proceed to have one drink and leave. They drive off and kill someone [more...]

Date: 2009-01-14 21:21:00

Deals of the Day: Apres Merrill Lynch’s Deal, a Deluge of Layoffs

By Stephen Grocer and Heidi N. Moore Deals of the Day includes all the major news of the morning related to mergers and acquisitions and financing ... Brothers’ debt to pay up on billions of dollars of policies and opinions are varied on whether estimates for settlement arising from bank’s demise will fall within $6 billion estimate. Times of London [more...]

Date: 2008-10-20 13:19:52

Fast Cash

Many people nowadays, especially because its the holidays, find themselves strapped for cash. My friend John had to take payday loans in order to pay off his debts. What he did ... track of his payable and its charging lesser interest rates than the bank. Anyway, loans or fast cash [more...]

Date: 2008-12-07 08:07:39

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

AIG (AIG): Recycling Debt Without Paying Anyone Back

AIG is ready to repay the Fed $40 billion. The money will come from preferred shares it raised with backing from Treasury ... has funded. Banks may still face substantial write-offs from consumer debt and their exposure to mortgage ... the value of their own loans. The only answer???more money. Cure the default by risking another one down [more...]

Date: 2008-11-26 11:01:31

Flat is the new up!

rich, just like it didn’t stop Donald Trump. Instead, it should make you adjust how you control your finances ... : Pay off your debt – list out every penny you owe and the interest rate next to it. Chances ... from the bank. So instead of making the minimum payment on your credit cards each month, pay them off. Spend [more...]

Date: 2008-12-09 04:01:41

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

Tap My 401(k) or Borrow From Family?

A while back (actually, almost a year and a half ago now… how time flies…), I talked about using a 401(k) to pay off credit card debt ... with a person who used my credit recklessly. I am now left with about $30K in debt, almost all of it high ... union and have no way to consolidate that debt. This leaves me with two options: tap into my 401 [more...]

Date: 2008-11-20 14:00:33

The biggest dumbass…In The World!

A Portuguese businessman said he cut off one of his fingers in court with a butcher’s knife in an “act of despair” after a judge refused his offer to settle a 170,000 euro (152,500 pound) debt and said part of his farm must be sold. “ ... through, the local newspaper said. “I freaked out when the judge refused my offer to pay the debt [more...]

Date: 2009-01-15 23:29:08

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

The ARM of Satan

Dear United States of America, I have decided to ask you, the government for a bailout ... I have too much credit debt and that is probably crimping my cash flow, but the truth is, I am too important to fail. If I don’t pay off this debt then the financial institutions that I owe money [more...]

Date: 2008-12-15 07:03:46

Bankruptcy - Is It the Answer?

Bankruptcy - Is It the Answer? October 11th, 2008 Subscribe To Our Feed If your finances are in a mess, you may have considered bankruptcy ... to pay back a portion of the debt that is owed to creditors. Your credit will be damaged ... laws. They were allowed to file more than once for Chapter 7 so many used it to beat credit card [more...]

Date: 2008-10-11 21:47:58

The Tightening

Last week, we had a "belt tightening" meeting at work ... , training cuts, and possible elimination of employee recognition events were all mentioned ... as well. Paying off credit card debt, saving more from each paycheck, putting off planned purchases [more...]

Date: 2009-01-10 01:17:17

Do my love handles count toward being "too big to fail?"

Someone get me Hank Paulson's phone number -- I need a bailout ... in order to pay that debt off. That's the difference between us and those in Detroit. We learn ... family who, together, have decided to help us out with about half of the $1200 bill. Without them [more...]

Date: 2008-12-01 23:15:31

Home Equity second mortage Loans - Good For Building

Homeowners sometimes find that after they have moved into their dream home, ... mortgage. This extra money you take out against the home can be used to pay off credit card debt, medical ... as a way to improve the atmosphere of the home. Others will use it to consolidate their bills [more...]

Date: 2009-01-14 07:53:00

Maintaining Success: Keeping Momentum Without Going Crazy

Putting in some extra effort at work can pay off. You can get a promotion or a raise, or wind up on a choice project. The same goes with your personal finances — going the extra mile can help you pay off a debt early or save up for a purchase. You can push through to success in just about anything. But once you’ve [more...]

Date: 2009-01-15 13:30:00

Ask the Readers: Twenty-Something Needs Help!

In general, when I share reader questions, I try to keep them as broad as possible ... is $100/month. I pay an additional $200 in debt payments to my grandfather for a loan for school ... currently, and have taken drastic steps to save money, but I never have enough to last till payday [more...]

Date: 2008-10-30 19:14:53

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

Think bums are poor? They’re actually richer than you!

Donald Trump and his daughter, Ivanka, were driving one-day and on the corner of a street they spotted a bum ... you spend your money: Pay off your debt – list out every penny you owe and the interest rate next ... millionaires pick up change off of the ground. You’ll be amazed how fast all of those pennies add [more...]

Date: 2008-12-15 03:38:37

a stimulus plan you’ll never see

http://feedproxy.google.com/~r/instapund… If the Government wants to stimulate the economy, ... you have with fiscal stimulus. People will save some of the tax cuts, but people need to pay down debt too ... then why not just declare a payroll tax holiday immediately? It’s fast to turn on, fast to turn [more...]

Date: 2009-01-13 14:16:16

20 Ways to Bring Love and Good Fortune in the New Year

Human beings, by nature, are superstitious. Perhaps because we live--and will always live--in an uncertain world ... is guaranteed. Pay your bills before January 1st as the new year should not begin with debt. Conversely, don’t loan any money or pay loans as you’ll be paying out the rest of the year. The same goes [more...]

Date: 2008-12-31 15:17:43

Goals for 2009

After the whirlwind of a year I had in 2008, I’m looking forward to this new year ... to pay off $8,000 of debt from college. This year, I’d like to pay off and save at least as much. Help [more...]

Date: 2009-01-02 04:57:23

Devil In Details On MTA Tax and Spend Plan

A few figures provided by the MTA should give everyone pause about just how much money can be raised by the tolling of the Harlem River and East ... with a $469 million deficit.To begin to pay down the debt, a monthly fee of $1 per account will be instituted. This fee will be dedicated to reducing the E-ZPass debt and instituting improvements [more...]

Date: 2008-12-05 15:25:00

A Quick Look At Mortgage Refinance

by Ned Dagostino Mortgage refinance is an option most house owners look at from time to time. The big question they ask themselves is: Should I? ... to manage. You can refinance the mortgage and get a loan large enough to pay off all the small debts ... Well, that depends on the particulars of the case. Generally people go in for mortgage refinance [more...]

Date: 2009-01-16 04:05:52

Consolidating Debt

With the bad market now, a lot of people turn to get help to consolidate debt ... or pay off credit card bills. By the way, various programs are available for consolidating debt ... that is applicable to you. Technorati Tags: Debt,Consolidation,Credit Problem [more...]

Date: 2008-09-18 19:32:03

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

$2.3 billion in crown assets for sale. Will Flaherty spend the cash or pay down the debt?

The Canadian Press is reporting that Finance Minister Jim Flaherty hopes to keep the government out of deficit in part by selling $2 ... proposing a temporary removal of the right to strike in the public service, perhaps indicating ... the national debt, and use the interest savings for tax relief stimulus. Kevin Gaudet with the Canadian [more...]

Date: 2008-11-28 02:11:48

"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

Got Credit Card debt? You may be in luck…

by Rolfe Winkler, CFA If you’re delinquent on your credit card balances, now may be a good time to pay down that debt ... are being offered deals that forgive 20 to 70 percent of credit card debt… Just as lenders competed ... desperate card companies: After helping to foster the explosive growth of consumer debt in recent [more...]

Date: 2009-01-03 01:44:51

MoochSpot.com - Track Debts & Shared Expenses

What it does Ever wanted to have a simple, web-based manner of keeping track of debts and shared expenses with your friends? ... and sharing debt information among friends who move in the same circles. In practice, this system means you can borrow from many and settle the debt by paying to a single person you all have in common [more...]

Date: 2008-10-29 15:01:00

Foreclosures up a record 81% in 2008

side note: It’s gonna be a tough 2009 for our country….if you have debt, try to start paying it down. By Les Christie CNNMoney.com Filings continued to soar through the end of the year - and there’s no relief in sight for 2009. NEW YORK (CNNMoney.com) — U.S. foreclosure filings spiked by more than 81% in 2008, a record [more...]

Date: 2009-01-15 15:04:24

Girl Turns to Prostitution to Pay Off Student Loan Debt

lasvegas09152008.jpg Photo courtesy of .craig We have all read stories of shocking things people have done to get out of debt ... for repayment of her student loan debt.  Some Nevada house of ill-repute has agreed to host the “event ... loan debt.  There are certainly many other reputable alternatives to debt repayment. Charity for Debt [more...]

Date: 2008-09-15 11:00:10

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

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

Afternoon Links

High School Musical's Ashley Tisdale heads out to an audition.   Would you give her the part if she offered you the Louis Vuitton purse? ... Wentz pops Ambien "like skittles"  (Celebitchy) Lost's Michelle Rodriguez pays her debt to society ... Year's resolution is no more fake tans!  (Lossip) 90210's Shanae Grimes looks great in a photoshoot [more...]

Date: 2009-01-07 21:00:00

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