Philippine Fair Debt Collection Practices Act

Learning about the U.S. Fair Debt Collection Practices Act from playing the Bad Credit Hotel online game made me wonder if such laws also exist in ... Santiago introduced Senate Bill Number 1277 entitled “An Act Providing For Fair Debt Collection Practices ... : There is abundant evidence of the widespread use of abusinve, deceptive, and unfair debt colle [more...]

Date: 2008-11-26 22:43:50

Blog posts (126) | Videos (33)
 

Carnival of Debt Reduction

Welcome to the Carnival of Debt Reduction.  Below, you will find links to articles about debt, debt reduction, credit, credit management, ... quickly add up. Fix My Personal Finance has suggestions for dealing with credit card debt. Free ... about your debt free future. Frugal Dad suggests that it’s a bad idea to pay credit card payments if you can’ [more...]

Date: 2008-08-25 12:47:17

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

Reflecting On Goals For 2008 and Moving On To 2009

Last year, all the goals I set were based on debt elimination and how much per month we could pay to debt ... s student loan under $5500 (snowball calculator says $5847) I more than met both these goals ... in October, and then paid off our remaining car loan in November.  The only non-mortgage debt we have left [more...]

Date: 2009-01-02 14:25:07

Carnival of Debt Reduction #151

Welcome to this week’s Carnival of Debt Reduction!  Since this is Carnival #151 here’s a debt reduction example based on a credit card payment of ... !)  He also submitted an article on collection agencies. Art of the Coupon explains how debt can breed ... months and $8,675.29 in interest to be rid of that debt — more than what was owed to begin [more...]

Date: 2008-08-04 08:35:02

Reader Pays Off $14,330 In 20 Months With Our Tips [Debt]

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 them. In once [more...]

Date: 2008-10-06 20:35:27

Back to Basics: Reduce your debt

Being in debt simply means that at one point you borrowed money to fund some purchase, and are now paying it back over time. (For the purpose of this post, I’m not going to lump in “profitable” or “good” debt that is used to make money reliably for the borrower through some other vehicle.) The debt can be, for example [more...]

Date: 2008-11-16 07:24:43

How to Settle Credit Card Debt

It seems like every time we turn on the TV and watch the news we hear something else concerning a downturn in the economy ... card debt settlement is an option that you may be able to take if you have long outstanding credit card debts where you are not making the monthly payments. What Is Discounted Debt Settlement [more...]

Date: 2008-12-24 14:49:00

Treading water

One of my goals for this year is to keep my head above water financially ... before Christmas and we suddenly needed two new tyres for the car, they went on the credit card ... have a great mailing list, and have just released a calendar to assist people to win their war on debt [more...]

Date: 2009-01-09 11:39:00

Freshpeople: Be Smart About Credit

Freshpeople: Be Smart About Credit Category: Wasting your time The new students have arrived at UC-Berkeley, closely pursued by hordes of credit card marketers. Right by my office is a bank that literally ... get your first credit card from the guy on the street offering you a t-shirt or worthless, plastic (likely lead [more...]

Date: 2008-08-27 13:12:29

How To Evaluate Your Debt

Knowing how much debt is important to you when you’re looking to figure out how much you’re going to have to pay off each month ... .  Anything from credit card debts to student loans.  This is the debt that you want to get rid ... need, you’ll want to try out a debt evaluation calculator on MSN.  Something like this will give [more...]

Date: 2008-12-07 19:19:20

Ellie Kay on Nightline

Resolved to dig out of debt? It can be done but there's a right way and a wrong way to approach the topic, ... !Assess Your Debt -- Order your credit report for free at http://www.annualcreditreport.com/ and add ... ). It involves knowing how to talk to the person at the credit card company and being polite, prepared [more...]

Date: 2009-01-09 19:21:00

Pay Off Your Debts in 2009: 3 Strategies To Being Debt-Free

Today’s post is a guest post By Rachel Karl, a student of MakeMoneyFromWriting.com ... there! 3.    Now comes the third and final task: The debt snowball. Look over all of your credit card bills ... you have three credit cards: “A,” “B,” and “C.” “A” has a balance of $800 with a minimum payment [more...]

Date: 2009-01-09 12:20:36

Debt Consolidation Calculator: What is it?

Are your bills piling up and you need to know how consolidating your dept could help?  Using a debt consolidation calculator can be a great help ... . Next, you would enter each credit card amount, car, boat and any other personal loans you may want to consolidate into the debt consolidation calculator.  When you click on calculate, the calculator [more...]

Date: 2008-12-19 13:09:14

Mortgage Loans Calculator Are You Paying To Much

In fact, the mortgage loan calculator, based on the data provided by you, can suggest the loan that will best suit your requirements. The data you need to provide may include factors such as the time you would require to repay the loan or whether you would like to include the payment protection insurance. Based on this data, the mortgage loans calculator will also compute your monthly repayment installments. [more...]

Date: 2009-09-08 09:37:33

50 Ways to Save Money for the Cash Strapped Consumer

Times are tough. The stock market had its worst week ever last week and now is the time to make sure that you make it through the rough years bound to be ahead. Try to keep your job. Try not to lose your home. I know that like everyone I've been cutting back considerably recently for our family [more...]

Date: 2008-10-14 20:10:15

CR Retirement Survey: Planning ahead may be just as risky as rewarding

The Press - January 12, 2009 In the wake of big investment losses, ... on entertainment. About one-third have cut their credit card use and spent less on groceries and household goods. “When bad investments happen to good people, they have to work harder to slash debt [more...]

Date: 2009-01-13 22:42:30

Free Debt Cures for 2009

Hello and Happy New Year! It’s New Year’s resolution time and one the biggest one is to get out of debt ... in credit card debt because I was always looking for ways to make more money. I’ve found a couple ... that will get you out of debt and relieve you of the financial burdens credit card debt has you in. Get back in control [more...]

Date: 2009-01-01 19:35:30

The Least Important Bill

Recently, I happened to be leafing through Elizabeth Warren’s worthwhile personal finance book, All Your Worth, ... . Your car payment. Credit card bills. Phone service. Food. Electricity. Internet service. Netflix. Maybe ... s necessities, such as your mortgage, your food, your electric bill, and your car payment. Next, cross [more...]

Date: 2008-09-17 20:00:13

Advantages of Online Banking

We set aside some time this weekend to pay a visit to our elderly Aunt Jane* and Uncle James ... of various aspects of life like accounting, finances, debt and more. She is content with Uncle James handling [more...]

Date: 2009-01-13 01:38:47

Snowball Your Bill Payments to Get Rid of Debt

Looking at your bills every month, I'm sure you have the same thought as everyone else: "I'm never going to pay this off! ... you conquer your debt. One of the best strategies for dealing with multiple bills and credit card payments ... on how he sees debt snowballing. Also, take a look at this calculator to see how debt snowballing [more...]

Date: 2008-12-17 14:20:46

The Bad Credit Hotel Online Game

Are you suffering from too much debt? If so, then maybe you need to spend a night at the Bad Credit Hotel ... inside it? What is a credit score and where is it based? Information about credit counseling ... . It hopes to teach young people about responsible credit card use and educate them regarding debt [more...]

Date: 2008-11-23 18:14:40

Debt Reduction Tools And Calculators

For those who are ready to get our of debt, here’s a list of debt reduction resources - Debt Snowball Calculator over at What’s The Cost – This free online tool will help you quickly create a debt repayment plan. iPhone and iPod Touch Debt Snowball Application – Created by Blunt Money , this application, which sells for $2.99, will help you create a debt snowball using your iPhone or iPod Touch. [more...]

Date: 2009-09-08 11:00:35

Prepping Kids (Part 3)

Essential Money Skill #4: How to manage bills and other paperwork ... a payment on a credit card, being late with a bill payment, or not keeping track of her paperwork ... with him. Create a Student Loan File which includes all student loan information, a projection of how much [more...]

Date: 2009-01-07 11:48:49

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

Free Daily Horoscope Readings for January 8th 2009

Aries The Ram Daily Love Horoscope Reading: Exclusive astrological signs for today have condoned the prediction of a horoscope compatibility with ... a karmic relief phase is beginning Psychic Single Card Tarot Reading: The Knight of Swords ... a karmic bond will form early in the evening Psychic Single Card Tarot Reading: The Four of Swords [more...]

Date: 2009-01-07 23:00:00

Carnival of Debt Reduction: Tips via Twitter Edition

Welcome to the Carnival of Debt Reduction, a traveling weekly roundup of the best articles in the blogosphere covering credit cards, consumer debt, mortgages, and the elimination thereof. Here is more information about the Carnival of Debt ... to be featured in today’s Carnival of Debt Reduction. What follows is the best of those submissions [more...]

Date: 2009-01-12 13:00:59

On Good Debt, Bad Debt and Ugly Debt

You probably heard of it before, the concept of good debt versus bad debt. If not, then I’m excited to tell you about it today ... credit card expense that you don’t pay off immediately. So what’s ugly debt? Here’s the second part ... . Moreover, did you know that there’s also such a thing as ugly debt? I first encountered [more...]

Date: 2008-11-10 12:59:32

Credit care debt solution - eliminate debt with personal loan

Talks is always easier than done, every credit care debt solution will suggest to eliminate your biggest debt first or to consolidate all your debt ... . This is where the personal loan come in. There are tone of ways to allocate the funds you receive under the terms of a personal loan. You may use it eliminate credit card debt. A personal loan offers [more...]

Date: 2009-01-13 14:15:59

Net Worth: JUNE - I lied, I'm still flying solo this round!

That's right, i'm way too lazy/unmotivated to combine our financial lives as yet ... . I used a new calculator for this one. My brother says he'll only need 2 more months, and then he'll ... . Auto Worth (kbb): Well, well, well - I actually paid MORE off this month than my car lost [more...]

Date: 2008-07-03 15:19:04

Bailout Costs Now $74,000 Per U.S. Household, And Keep On Coming

The bailouts are being rolled out at such an incredible pace now, ... debts and credit card borrowings who, it is hoped, will open their lending books again. For those ... it’s difficult to keep track of them all- and America’s debt is growing by the second. Here’ [more...]

Date: 2008-11-26 07:01:29

Some Suze Surprises

I previously predicted the contents of Suze's new book, after I paid full retail for the previous one ... an online calculator (go to www.bankrate.com) to figure out the base mortgage amount." Then you add 30 ... . I went to bankrate and found the "How Much House Can You Afford" calculator. I'm not sure how I'm [more...]

Date: 2009-01-09 01:14:25

Silence Your Money Worries And Relax:

By Carole Fogarty Editor of  Rejuvenation Lounge and facilitator of Women’s Rejuvenation Retreats: Rejuvenate Your Habits: ... Worries: If you are keen like me, to uncomplicate your life this year, eliminate debt and silence ... Habits War On Debt Calendar For 2009:  Click on the link war on debt (in the left column [more...]

Date: 2009-01-08 01:39:33

How To Get A Good Consolidation Loan

If you have debt that has become unmanageable, you might need to check into consolidation loans ... you were paying and pay more towards the principle instead. If you have one credit card with a ten ... you. Quicken has a good program for figuring out savings and payments. By consolidating the debt [more...]

Date: 2009-01-12 21:34:52

How to Save $419.50 in Less Than One Hour

By Dayana Yochim and Ellen Bowman January 9, 2009 | Comments (6)Today we wrap up the first week of our Fiscal Fitness '09 challenge. In just five days, we've dished out money-saving strategies that add up to as much as $419.50.How did we rack up that amount? [more...]

Date: 2009-01-13 22:13:00

Welcome Ottawa Citizen, Vancouver Sun, and CanWest Readers!

I would love to welcome all Ottawa Citizen , Vancouver Sun , and Canada.com CanWest readers to Squawkfox , a blog that makes frugal living fun. A huge thank you to Lisa Hrabluk for mentioning me in today’s column. Thank you! My name is Kerry Taylor, I’m the blogger here and the author of 397 Ways To Save Money . [more...]

Date: 2009-09-08 15:21:12

Simple Ways to Keep More of Your Money in 2009

This is a guest post from Trisha Wagner. Please take a minute to check out her bio at the end of this article. Did the state of the economy last year leave you wondering what 2009 might have in store for your finances? Are you, like the rest of the world, [more...]

Date: 2009-01-08 09:00:36

How Much Are You Spending for Christmas?

After reading the responses to how we are already over our $150 budget for Christmas, ... Millionaires?Thinking of Closing a Credit Card? Make Sure it Really is ClosedDebt Stories GaloreTips for Using Prosper for Debt ConsolidationSo Glad to Be Home!Five Figure Credit Card Debt - Buh Bye!!! [more...]

Date: 2008-12-07 06:35:25

FDIC Insurance Coverage: Limits and Strategies

recent history of bank failures in the United States. Unfortunately, just over a week later, the graphic that I put together is already out of date… Just yesterday, the FDIC announced that two more banks failed: The 28 branches of 1st National Bank of Nevada and First Heritage Bank N.A [more...]

Date: 2008-07-24 10:06:53

Free Daily Horoscope Readings for January 13th 2009

Aries The Ram Daily Love Horoscope Reading: Astronomical horoscope signs for today have certifed the prediction of a horoscope love match with Cancer The Crab Daily Karma Reading: The karma calculator of the celestial mirror testifies a karmic debt will be repaid soon Psychic Single Card Tarot Reading: The Sun - Have confidence [more...]

Date: 2009-01-12 23:00:25

Carnival of Money Hackers – 82st Edition

Welcome to the 82st Edition of Carnival of Money Hackers . Moolanomy.com was kind enough to let me host this week so enjoy the posts and the pictures. Investing Photo Credit: epicharmus Tallahassee Real Estate presents Housing Market Bottom Reached In Tallahassee posted at Tallahassee Real Estate Blog . [more...]

Date: 2009-09-16 02:06:01

How would a behavioral economist look at the sub-prime mortgage crisis?

How would a behavioral economist look at the sub-prime mortgage crisis in any way that is different from a rational economist? ... the interest and use the rest of the money to pay other expenses such as credit card debt, or health ... calculator the maximum amount that they could borrow and not the optimal amount that they should [more...]

Date: 2008-10-15 16:14:37

How To Calculate and Track Your Net Worth

Recently, I made the decision to start tracking my personal net worth and financial status in a very public and revealing way - by posting my financial numbers online for all to see. The point of doing this was not to boast, demonstrate some fanciful financial bravado, [more...]

Date: 2008-10-30 03:45:48

Three Random Stories (and Personal Finance Links)

I thought about not posting the last two stories, but I figured they were entertaining and the kind of thing that I would to read if I were someone else. Not too much personal finance after the first story, so if that’s your interest, just jump straight down to the links and enjoy [more...]

Date: 2008-12-15 20:07:25

5 Expenses You Can’t Afford If You Have Credit Card Debt

You need to cut down your monthly expenses and live frugally if you ever want to get out of debt ... to a low interest credit card or apply for a debt consolidation loan If you still doubt in what I say ... . Let’s assume you have a $20,000 in credit card debt and you current minimum payment is around [more...]

Date: 2009-01-13 20:52:59

Retirement Calculators - What Can They Tell You?

Retirement Calculators - What Can They Tell You? Posted By William Blake on @ 1:46 pm by William Blake Most people are interested in what situation they will be in when they retire. Everyone has an idea of how they would like their life to be. If you input what you are currently putting away for your retirement into a retirement calculator [more...]

Date: 2009-01-14 07:38:07

Consider No Fee Balance Transfers

The current economic turmoil is in no small part a crisis of confidence ... increasingly difficult to manage. Reliance on credit card debt has become a familiar symptom ...  for anyone with credit card debt to check out such a site. [more...]

Date: 2008-12-11 06:55:03

Mortgage Calculator - How to Calculate Your Monthly Mortgage Payment

Just starting to shop for a new home? Do you want to know how to figure what your monthly payment would be based on a certain priced home? ... balance and add your credit card and / or other debt balances together then calculate a payment and compare this payment to your current home loan, credit card, and / or other debt payments [more...]

Date: 2009-01-12 00:15:04

Get Debt Relief Today – Relief From Credit Card Debt Today

You come home from work and the creditors are calling you. You are even thinking about going bankrupt because you cannot think of a way out of the debt that you are in. You come home from work and the creditors are calling you. You are even thinking about going bankrupt because you cannot think of Related Articles: How To Get Credit Card Debt Relief Exiciting Debt Relief Program How you can get immediate credit card debt relief with... Credit Card Debt Pay Off Calculator – H [more...]

Date: 2009-09-03 05:10:24

Millions Saved on Smart Balance Transfers

Millions Saved on Smart Balance Transfers Posted in Balance Transfers Since I started Smart Balance Transfers in the summer of 2007, more than 14, ... from a credit card with a 14% interest rate.  Using this number, Smart Balance Transfers has helped ... about credit cards. In 2009, I hope to continue helping people save money.  Credit card companies [more...]

Date: 2009-01-12 21:40:24

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