Are Retailer’s Credit Cards A Good Idea?
by Steven J. Talrechi The ads are nearly inescapable ... , with one caveat. If you don’t completely pay off this retailer’s credit card within those two years, you’ll ... for these purchases in full upfront, use a traditional credit card instead and pay off the balance [more...]
Date: 2009-01-15 15:48:04
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The Plastic Generation
This is guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling ... can be a quick way to financial disaster. Some signs include: being broke having a credit card balance unpaid ... work for the credit card companies. Here’s an idea to assist you. Pay for everything in cash! Until [more...]
Date: 2008-07-03 15:30:45
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
Credit Exchange
Credit Exchange Everyday we hear it on the news about how people are struggling to pay their credit card ... Debt Consolidation Company . Credit Exchange is a referral company , working to assists ... . Right now, banks are even enticing the students. Credit card is good to have ,but if you we don't [more...]
Date: 2008-11-21 23:56:01
(untitled)
Amazon.de Widgets If you want to take a loan to repay others, debt consolidation is the best bet. For paying down credit cards the most easiest way is to try a credit counseling program. One of the most assured measures to lower all your debts swiftly is here. Stop being at stake with striking debts, put them together into one debt consolidation program to have one low monthly payment. This can even help you control your monthly payment structure and keep you within a budget. [more...]
Date: 2009-09-15 23:43:02
Back to Financial School
by Mary Bush Can it be?! It’s hard to believe, but millions of people are preparing to go back to school already ... . About the Author: Debt Consolidation Help Cash Back Credit Cards: Let Your Credit Cards Pay You [more...]
Date: 2009-01-02 10:53:48
Credit Repair Help - It’s Not As Hard As You Think!
by Mark Alison People are in debt. Living in this world with bad credit can be difficult ... of your credit cards, be sure to pay off and close the accounts. Credit history is important ... s a good idea to join a credit union as well. They offer a better chance of giving you a consolidation [more...]
Date: 2009-01-06 14:47:19
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
Saving yourself form debt
When it comes to taking care of your finances, nothing more than ever ruins your financial position than having a large amount of debt which is ... on paying your bills from credit cards, loans and mortgages without realizing that you are barely ... you a black eye with the credit bureau and any applications for new loans or credit cards would probably [more...]
Date: 2008-12-28 01:21:40
Feed the Pig
Commercials for Feed the Pig came on my radio this morning. I love those commercials ... . It also has a credit card payoff calculator. There are articles about establishing a budget, paying ... credit card debt. Tips on what you should do before you get married, have children, and buy a home [more...]
Date: 2008-09-30 00:05:00
Debit Card Liability Protection
I recently asked a representative from Visa’s debit card division (site sponsor) ... you pay nothing if unauthorized purchases are made on either a credit card or a Visa Check card ... several questions about my favorite alternative to the credit card - the debit card. Here’ [more...]
Date: 2008-12-24 04:36:22
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
2009 Personal Finance Goals - Back to the Essentials
The start of the year is always a good time to take stock of your situation and make assessments on what you would like to achieve ... share the responsibility for most joint bills, but we each pay our own credit cards and don’t have access to one another’s credit card accounts [more...]
Date: 2009-01-07 11:03:18
Paid Estimated Taxes, Who Sold Their Car? @ The Roundup
On Estimated Taxes The weekend was uneventful but we did have to pay our estimated taxes a few days ago ... out after reading about John McCain’s credit card liabilities. Over $100,000 in credit card debt ... month. Interesting bit here on the credit card habits of our political candidates. Five Cent [more...]
Date: 2008-06-16 16:02:44
Ten Credit Mistakes People Make
Most children are not trained in how to handle credit by their families other than with vague platitudes like ‘pay your bills on time’ and ‘live ... made with a little help on why to avoid these blunders. 10. Closing your paid off credit card accounts ... and close the account. The unused ‘credit available’ on that card will contribute to your credit [more...]
Date: 2008-12-24 13:39:30
Debt Relief
Are in debt over your head? Unfortunately, most Americans are and the bad economy right now isn’t helping them get out of debt any quicker! ... for you, they also have other solutions, such as credit counseling, debt consolidation, bankruptcy and credit card monthly payments. You will pay significantly less, though, if you’re able to take advantage [more...]
Date: 2008-11-14 19:53:21
Foreclosures linked to 2005 Bankruptcy Reform law
For those readers not familiar with the Bankruptcy Abuse Prevention and Consumer Protection Act ("BAPCA"), prior to October of 2005, unsecured debt ( ... of their credit card debt, and that would free up income to pay the mortgage. The new law blocks that escape route and forces better-off household to continue paying credit card debt, which makes [more...]
Date: 2009-01-13 16:03:13
This sounds less bad
I doubt anyone can know how much it might help, but the desperation apparent in this move should be obvious. From Bloomberg: The U.S ... and college education while also reducing the cost of credit-card debt. If we really need ... it improves auto sales much. Maybe people pay off some credit cards and take some classes [more...]
Date: 2008-11-25 05:46:00
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
The Daily Poverty Post.
Yesterday, Suze Orman went on Oprah to talk about her latest book, Suze Orman’s 2009 Action Plan, ... are a few of Bossy’s notes from the show: Pay off your credit card debt before anything else ... to your credit card debt or savings by making a list of all your expenditures, and separating the things [more...]
Date: 2009-01-09 13:28:31
Expect Calm Under Pressure?
Experts tell us that when the going gets rough - brain chemicals get going. My question is, Do they move you into calm or chaos? ... in the dumps because you’re sinking under financial pressures or caught in credit card debt. Add ... that you are going to try a few solutions to pay off credit cards. For instance, you might download [more...]
Date: 2009-01-08 15:22:22
Carnival of Consumer Credit #4
As we dive headfirst into the holiday season, what comes with milk and cookies, twinkle lights and goodwill toward men? How about credit cards and more bills than you can pay?! The Carnival of Consumer Credit ... Credit Limits? Share Your Experience posted at fivecentnickel.com. CreditAddict presents Surviving [more...]
Date: 2008-12-16 16:00:15
Taking the Mystery Out of Credit Card “Minimum Payment” Requirements
If you are one of the savvy consumers who pays off their credit card balances in full each month, ... will increase as the economy continues to suffer from layoffs, financial losses, company consolidations ... result being that those who only make minimum payments will simply see their debt continue to grow [more...]
Date: 2008-12-30 14:04:51
Debt Consolidation
Having a credit card is good since mostly people use here in the States or other countries to purchase any items or pay off a bill in the restaurant, ... their site and apply unsecured debt consolidation loans now. ... from the credit card company, you should pay it right away or else there will be an interest [more...]
Date: 2008-10-14 04:04:56
How To Get Out Of Credit Card Debt On My Own
I am sick and tired about my awful state of financial affairs. I got sick back in January and as a result I had to leave my occupation ... up as they shall be overcome. Post from: Bankruptcy Articles How To Get Out Of Credit Card Debt ... t know what to do. I tried to call three of my credit card companies and was just told I needed to pay. While [more...]
Date: 2008-10-18 01:04:52
Ask Madison: Reader Mail Volume 2
One of my favorite parts about My Dollar Plan is getting to hear from you ... a credit card in 2006 and now the IRS is stating that we owe them $755 in taxes, how is this possible ... to do so. Since when is paying a credit card off become taxable? Can you tell me what we need to do to straighten [more...]
Date: 2008-09-30 14:32:31
Secured Debt Consolidation Explained
When people are faced with a lot of debt, whether from credit card, department store cards or some other form of consumer credit, ... the best solution for paying it off is often to consolidate all the balances with a single loan. In most cases, these consolidation loans are secured by some sort of collateral, such ... [more...]
Date: 2008-07-07 21:20:58
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
Crafty Creditors Are Making Changes
This is a guest post from Tisha Tolar is a freelance writer providing content for CreditCardAssist ... . By today’s standards, a good customer can simply be late paying a debt other than the credit card ... and charges to accumulate, leaving you in even greater debt. Credit card companies rely on the fact [more...]
Date: 2009-01-14 13:10:23
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
Danger: Beware Of Payday Loans For Debt Consolidation
By Ozeme J Bonnette For the past two years, the economy has really taken us for a ride. The economic crisis is hurting families at all economic levels. Now it is more critical than ever to be careful with your finances. Eliminating debt requires both consistency and determination. It can be tempting to seek ways to speed up the process. Some people consider taking out a loan to pay off credit cards. Here is one money mistake that you should really avoid. For two years, the economy ha [more...]
Date: 2009-09-28 19:02:40
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
The Paradox of Thrift
Has the economy scared you into cutting back on your spending, paying down your credit cards, getting your budget in order? ... couple profiled in the Journal story: Rick and Noreen Capp recently reduced their credit-card debt ... with that? Haven’t consumers been told they need to be more responsible about debt and spending - the lesson [more...]
Date: 2009-01-06 14:12:53
Repairing Your Credit
We’ve all seen them. “Send me 99.95 and I’ll fix your credit and you can get a one million dollar credit card tomorrow ... your credit. It is not meant in any way to be legal advice. We will discuss several things in this article such as how credit works, paying or settling debts, credit repair companies, and establishing new [more...]
Date: 2009-01-12 01:08:35
At Last - Looking at the Customer from Their Point of View
Stessa Cohen and Kristin Moyer here. Wells Fargo announced that it is launching an online loan-consolidation repayment program in combination with ... “How to really pay off credit card debt” “How to get a small business loan in a credit crunch” ... a savings tool: the Wells Fargo Debt Pay Down Solution. This solution will let customers [more...]
Date: 2008-12-15 14:46:25
October 2008: Goals Update
Goal Specific-Pay off transferred credit card balance Measurable-approximately $11K Attainable-$800 a month Realistic-That’s about what I pay every month right now for debt servicing. Timely-By January 2010 Grade: Neutral $800+ went to the credit card company, but I have to admit it does no good to send in money if you keep charging [more...]
Date: 2008-11-05 18:10:55
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 ... when paying the bill. Credit cards are notorious for using low interest as bait for new customers ... in the pay and, therefore, your credit rate would be negatively affected. Additionally, use [more...]
Date: 2009-01-15 08:38:53
How to Get Credit Card Debt Collectors to Focus Their Energy Elsewhere
Most of those people who cannot afford to pay their monthly minimum credit card payment become potential victims of the consumer debt collection industry. However, a growing number of consumers have found a law to protect themselves against credit card debt collectors. [more...]
Date: 2009-09-26 12:39:41
How to Become Debt Free using 6 Powerful Tips?
by Finance-Experts-Team It does not matter if you are a beginner or an expert business owner ... Your Credit Card Statements. On the one side, low interest credit cards offer an attractive offer ... one or more of them that consequently lead to a non-desired late in the pay and, therefore, your credit [more...]
Date: 2009-01-15 08:36:59
How To Pay Off $14,330 In 20 Months
Written by Ben Popken Stuck in a $14,300 debt hole, reader Trixare4kids was able to dig herself out using tips she learned about on Consumerist.com ... it all in 20 months. She writes: “This morning I made my very last payment on $14,300 in credit card debt ... credit card company and tried to negotiate for a lower rate. I was successful with a lot of [more...]
Date: 2008-10-07 18:29:39
Are Bailouts Fair?
Paul Solman of The Business Desk on the PBS website received a question from an individual wondering if government money wouldn’t better be spent to pay off all of the outstanding credit card debt of Americans. While to some extent we’ve already got a system to handle out of control credit card debt - known as bankruptcy, the thought [more...]
Date: 2009-01-08 23:46:33
I have a new 0% credit card
clownfish2 Before you close your browser and stop reading, let me explain… I have my credit card payments set-up for auto-bill pay ... goes wrong. About 6-months ago, I received my statement for my Bank of America credit card ... up, and immediately went online to begin looking for a new 0% rate card. 0% Discover Card I had heard really great [more...]
Date: 2009-01-07 11:29:54
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
November 2008 Goals Update
Goal Specific-Pay off transferred credit card balance Measurable-approximately $11K Attainable-$800 a month Realistic-That’s about what I pay every month right now for debt servicing. Timely-By January 2010 Grade: Neutral $800+ went to the credit card company, but netted out to ($622.09) because I have a recurring subscription charge [more...]
Date: 2008-12-03 19:04:57
Helping Polly
I just thought of my answer to Fix Polly, a case study from Gail:Polly is 25 and single. She has almost $80,000 in debt, $60,000 of which is student loans. The rest is credit card debt ... . Polly can’t decide what to pay off next. She has contacted her credit card companies and cannot [more...]
Date: 2008-12-28 15:02:42
No Credit Cards.
Unlike me who has more than one credit card at the moment, my dad doesn’t own any even just one ... consolidation where they pool altogether one’s outstanding credit card dues and offer them at lower ... . He says, that he doesn’t want to incur any debt or debt loans in any form. He’d rather pay [more...]
Date: 2008-12-10 10:06:35
Don’t Get Trapped By Debt
debt management Experts will tell you that with good financial planning and by sticking to a monthly budget, ... your monthly commitments in terms of loan payments and credit card payments. You may make a major purchase by means of a loan or use your credit card to pay for a holiday thinking you do have the means [more...]
Date: 2009-01-07 07:00:18
Credit Cards Dealing With Bankruptcy
by John Steed When a person or organization or institution files for bankruptcy, it is not always because they are unable to pay their creditors ... . The commonest of these are the institutions that offer credit card facilities. The advantage of going ... from giving credit. Most of them may have experts who can assess the ability of any debtor to pay [more...]
Date: 2009-01-14 20:27:17
5 Ways to Stay On Top of Your Bills
In such a hard economy, it is extremely easy for the bills to pile up without you even realizing it ... the month. If you find you have put a significant amount of purchases on your credit card, take ... purchases on your credit card can help you keep track of where your money is going. When we pay [more...]
Date: 2009-01-09 10:15:08
Seriously, can I get a freaking break!??!?
I teared up yesterday when I got home as I was dealing with the garbage. And if you know me…I don’t tear up easily ... , have to pay off my credit card, but that my life is good. I can focus on what is good in my life ... of rely on my credit cards. I spent about $100 at Toys R Us for the kids. But seriously, the rest [more...]
Date: 2009-01-15 19:04:29
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