Popular Tags, Blogs, and Videos about credit card debt payoff

My Dollar Plan Month in Review - July 2008

I’m a firm believer in setting goals and making plans to achieve your goals. A great way to work your plan is to monitor it at regular intervals ... for Your Mid Year Checkup 7 Ways to Payoff Credit Card Debt 12 Tips to Prepare Your Finances for Vacation I Quit! Tax Savings: How to Deduct Mileage on Your Personal Car 10 Step Plan for Debt Elimination [more...]

Date: 2008-08-14 13:29:54

Blog posts (123) | Videos (59)

Writer Auditions at Money Smart Life

The time has come. I’ve decided to shut down the site and spend my evenings vegging in front of the television ... My Dollar Plan offers 7 ways to payoff credit card debt. – Suns Financial Diary talks about what qualifies [more...]

Date: 2008-07-07 05:02:08

If you are unable to payoff…

…your credit card debt short-term, consider asking your creditor for an increase in credit. By decreasing the ratio of your balance to the credit limit will be taken to account in most credit scoring models. [more...]

Date: 2009-01-10 17:35:36

Americans’ debt shrinks - 1st time ever

Copyright © 2006-2008 Clever Dude. All Rights Reserved ... track. Personally, we’ve contributed to the debt payoff as we cut $17,000 off our debt this year, and continued to keep credit card debt off the books (at least month-to-month). We still use [more...]

Date: 2008-12-11 21:17:12

A Plan to Be Debt Free in 2009

Considering the current state of the economy, it’s likely a smart thing to try and rid yourself of any excess debt right now ... out your latest credit card statements, auto loan statements, student loan statements, etc ...  are a bit lower, and are also tax deductible. debt-payoff-plan Some people decide that it’s easier [more...]

Date: 2009-01-05 16:10:27

Surviving A Recession

We are all facing tough economic times. There is not denying it, though it seems like until the last few months, ... control of your debt, you are not alone. Take a look at this online debt payoff calculator to help ... every month just to keep up with past credit card usage. Prepare for unemployment. US job numbers [more...]

Date: 2008-10-10 14:27:55

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

Lose Weight, Get Rich: Write it Down

Lose Weight, Get Rich: Write it Down July 10th, 2008 I discovered yesterday, to my consternation, that a tall skim latte has 100 calories ... progress toward your financial goals. Unless you crunch the numbers with a credit card payoff calculator and figure out how much that interest really costs, you’ll continue to run up debt. See [more...]

Date: 2008-07-10 14:53:44

Why You Should Sell Stuff To Help With Debt (pfblogs.org)

One day I was on a forum and someone who was deep in debt was asking for advice ... some reasons why.First, when trying to tackle a huge debt, whether it be credit card or otherwise ... to get extra money into the house, but the effort is quite substantial and the payoff will be long-term [more...]

Date: 2008-08-23 20:09:10

WolframAlpha helps you with your Debt

WolframAlpha It’s rare that I just find a site that is so absolutely useful and cool that I add it to my quick launch bar but WolframAlpha made the grade today.  Fire it up type “credit card” in the search box and you can quickly calculate payoff scenarios, and not a one liner answer full of ads but an extremely useful output including sweet graphs, different paydown schedules and the like. [more...]

Date: 2009-05-20 19:09:05

Debt Payoff Refinance - Mortgage Rate and Tip For 1-7-09

Real Mortgage Rate and Tip For Today One min. Podcast Ask Terri A Question - Click Here! ... like credit cards or car loans. You can’t use all of your equity. There has to still be 10% equity left in your home or an loan to value of 90%. These used to be very popular right after the holidays to payoff [more...]

Date: 2009-01-07 16:31:45

Getting Out Of Credit Card Debt

Now that the nation is fully aware of how much debt we are facing as a country and individuals the time has come for each person to address their own personal finance demons.  The one thing that commonly holds consumers back from achieving their financial goals is high interest credit card debt.  Statistics vary on how much debt each household is currently carrying but the sad truth is many people are living paycheck to paycheck just trying to make ends meet.  When credit card payments [more...]

Date: 2009-09-07 06:00:00

Can Debt Consolidation Help To Overcome Credit Card Debts?

The only way to keep up with the latest about debt consolidation is to constantly stay on the lookout for new information. If you read everything you find about being sued for debt, it won’t take long for you to become an influential authority. Our society encourages consumers to “buy now, pay later”, offering credit cards and convenience to spend more everywhere we look. This is why it is so easy to get carried away with spending, and eventually end up “knee-deep in debt”. [more...]

Date: 2009-09-15 15:05:02

Facts And Figures About Bill Consolidation

September 4, 2009 | By Imus Jackson In Finance | by Imus JacksonYour credit rating is becoming obscene, your bills are out of control, you have more debt than you can face or ever hope to pay off, and you cannot sleep at night because of all of this. What to do. Well, the best way to approach this situation is to get some help in the form of a credit counseling service that can initiate bill consolidation and start to get you back on the right track financially so you can enjoy life again [more...]

Date: 2009-09-05 03:22:15

Managing Debt: Get A Grip on Reality

From the Examiner.com: Whether you spend more than you make or have borrowed too much along the way, it’s time to realize that you’re not the only person who has made this mistake or is faced with the payoff battle. Whatever your case is, if you’re serious about getting out of debt, the bottom line in doing so is training yourself to live on what you earn versus living on what you want. To do that, you’re going to have to make a few modifications. [more...]

Date: 2009-09-10 21:50:00

6 Steps to Starting a Budget

Does your family have a budget? If they have one, do you stick to it? Ashley Grimaldo has some fantastic tips for you in her latest article over on Go Frugal . 6 Steps to Starting a Budget So the bank has clearly let you know you're in the red. Even if you aren't barraged with phone calls from late-night angry creditors, living from paycheck to paycheck is not a wise long-term plan. You probably know your need for a financial overhaul, but don't know where to begin. [more...]

Date: 2009-09-22 15:05:00

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

Settle your debts the easy way

The process of contacting creditors directly or through a third party and negotiating for a lump sum payoff of your debts is known as debt settlement . Benefits of debt settlement You can reduce your principal debt amount by around 4% to 6%. Eliminate your late fees, lower your APR . Repay your debts within your chosen time span. The debts charging higher interest rates are the ones that need to be settled first. This will make the most dramatic change in your monthly budget. [more...]

Date: 2009-09-09 10:16:14

Consider Your Loan Options Before Taking On More Debt

This interesting article addresses some of the key issues regarding personal grants to pay off debts. A careful reading of this material could make a big difference in how you think about debt consolidation. This can be well assisted with a debt consolidation loan, an effective tool that consolidates all previous loans into a newer loan with a convenient repayment schedule. To find a cheap loan or the best loan for you ensure that you shop around. [more...]

Date: 2009-09-05 07:19:03

Scrounging Up Cash When You Dont Have A Dime

Life happens. And not always right on schedule. Worse yet, sometimes it coughs up an expensive emergency. If that happens, and you don't have an adequate emergency fund, there are other places to get the cash. How to make the best of a bad borrowing situationNone of these options is great, or even good. But if you must, you must. Here's a general pecking order of places to get the cash: 1. Call in those IOUs. Think about who owes you, and start at the office. [more...]

Date: 2009-09-20 02:05:39

Managing Debt and Credit

Avoiding credit card overload increases your opportunities to save and invest for important goals.1. Managing Debt and CreditCredit was once defined as “Man’s Confidence in Man.” But in fact, the definition of credit today is more like “Man’s Confidence in Himself.” Using credit today means you have confidence in your future ability to pay that debt. Forty years ago, your parents may have paid cash for their homes and their cars, a largely unheard-of event today. [more...]

Date: 2009-09-15 10:15:48

Guide To Credit Repair

Author : James Copper Credit repair is essential for a person who has a damaged credit record There are many ways to get help repairing credit or to do it yourself Credit repair is rebuilding your credit It takes time and likely money to do this The idea is to never allow your credit to become damaged in the first pace, but for most people, their credit problems stem for unforeseeable or unstoppable circumstances So, that is why there are ways to repair your credit Repairing your credit [more...]

Date: 2009-09-13 02:14:59

Debts Missing From Your Credit Report? Don't Count It Out Just Yet.

One of the top rules of managing debt is that all consumers should regularly be checking their credit reports for mistakes and inaccurate information. Mistakes by credit reporting agencies and creditors are common but typically it is minor information that is being reported incorrectly. However, there may be a rare time that a consumer is very conscious of an outstanding debt that doesn't seem to be listed on a credit report. [more...]

Date: 2009-09-28 10:00:00

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

Cash Money Life has posted a Labor Day Carnival

Posted on September 8th, 2009 by mbhunter Thanks to Cash Money Life for hosting this week’s Carnival of Debt Reduction.  Enjoy!Related Posts Automatic Finances has posted the CarnivalThanks to Automatic Finances for hosting this week's Carnival of Debt Reduction.  His Editor's Picks for this week: Savings Toolbox shows how to squeeze more savings out of your budget. The Digerati Life reviews myFICO Score Watch. The Smarter Wallet reminds us that personal financial planning begins at home. [more...]

Date: 2009-09-08 04:54:04

Get your finances under control in a single day.

Many people in today’s economy are struggling to stay afloat. They are working to rein in their spending and get their finances under control, but when they see the amount of debt they have, or the 0 balance in their savings or retirement accounts they feel overwhelmed. The good news is that regardless of how big of a challenge your getting control is for you, you can do it. Doing so actually isn’t that hard, but it will take time. [more...]

Date: 2009-09-24 09:00:57

Are You A Candidate For A Short Sale Or A Foreclosure In Atlanta?

Helping Select Atlanta Homeowners Avoid A Foreclosure One of the most difficult decisions a homeowner can make is to take action to leave a home ... will show your debt as paid in full - which preserves a great deal of your credit history ... who have ample assets will NOT be able to get a short payoff approved. Second mortgages and other [more...]

Date: 2008-11-26 23:15:58

Credit Card Settlement Process Explained Authored by Carly Hart in Credit CardPublished on 09-20-2009

Sometimes when consumers fall behind in their credit card payments to the point of delinquency, credit card companies will contact them to work out a credit card settlement. This means that the credit card company or its agent contacts the consumer whether by mail or phone in an attempt to settle the credit card debt for less than the amount owed. Consumers who are meeting just the minimum payments each month will likely not see such offers hitting their mailboxes. [more...]

Date: 2009-09-20 19:00:13

Tell All Tuesday - Where Did August Go Edition

I can’t believe it is September already!  I guess that old saying about how time flies when you are having fun is true after all ... towards it.  With our credit card, I just threw an extra payment onto it whenever I earned some extra ... of people have asked about the idea of moving the student loan to a credit card with a 0% transfer offer [more...]

Date: 2008-09-02 19:16:05

Should You Use Lending Club to get a Short-Term Personal Loan?

Peer-to-peer lending services such as Lending Club are growing by leaps and bounds. Consumers are using them because they can get better interest rate for personal loans than they would by borrowing from a local bank and investors are using lending club to get a great rate of return on their money. Using a peer-to-peer lending website is still a new experience for most borrowers, but doing so might allow you get a loan with much better terms and rates than you would from a local bank. [more...]

Date: 2009-09-08 01:25:44

Fifteen days of blogging for health care reform: Burden of debt

Guest post by Skylanda. Not long ago, I was cruising along the highway at about 75 miles an hour ( ... a mortgage out of the messiest era in history to lock down a line of credit, and I was buying me a house ... . I am now thirty-three years old and the proud owner of two-thirds of a million dollars of accumulated debt. Far [more...]

Date: 2008-08-24 14:00:00

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

Seven Ways to Ruin Your Financial Future

Often times the best way to learn a lesson is for someone to tell you what not to do ... .  Well, in a couple years I had made virtually no dent in the residual payoff balance leaving ... to return to my hometown, changed majors, and was stuck with a pile of student loan debt as my souvenir [more...]

Date: 2008-09-23 11:00:20

The Purpose Behind The Financial Crisis

Posted: December 6 2008 Rich working to Bankrupt the Middle Class, world economic system now infected with toxic waste, golden parachutes for some and hyperinflation for others, a better plan would be to give a cheque to everybody, plans to help people wont really be implemented, credit problems thicken. We were hit [more...]

Date: 2008-12-09 11:53:43

Farewell Countrywide: How The Bank of America Merger Will Keep Wells Fargo As The Mortgage Origination Leader

WARNING!  Long commentary about the Bank of America/ Countrywide merger ahead: Bank of America Press Release from July 1, 2008 (italicized) ... with deposits and credit cards,” said Bank of America Chairman and Chief Executive Officer Kenneth ... and a broad distribution network that will offer more ways to meet our customers’ credit needs.” BA [more...]

Date: 2008-07-02 19:19:14

Blog Your Way to $13,000

You can blog anytime, anywhere…as long as you have access to a computer. The following is a guest post by Amy at My Daily Dollars ... -card debt. Along with that, I also completely paid for our wedding. All told, I came ... . How? Since I got my first credit card at the age of twenty-one, I have always carried a balance [more...]

Date: 2008-11-13 14:05:07

Credit Lines: Number and Length of Time Open

from an email: On a related note, I hope you might have some advice for us. My husband and I just sold our condo ... .) So we are spending a small part of the profit off the sale on retiring the only credit card debt we still ... house. However, with no credit card debt and no mortgage (and one car loan that will be paid off [more...]

Date: 2008-07-06 16:05:45

The Impact of Marriage and Divorce on Your Finances

We joined Costco. And I’ve only been there 5 times in 8 days! Thanks for all your suggestions; we knew exactly what to look for. Now I just need to get my True Earnings Credit Card for Costco and I’ll be all set. Also ... What to give the new couple? Think twice before giving a gift card. Debt Reduction Five Tips for Reducing [more...]

Date: 2008-10-08 13:29:23

The Real Story of the Help for Homeowners-Part 1

This will be a series of posts- with the real life accounts of a friend of mine, who like many in this country is facing foreclosure, ... his mortgage, had no credit card debt and had money in the bank. As, in my opinion, the housing crisis ... of an insurmountable debt and all savings depleted. Bankruptcy the only option With all of his savings [more...]

Date: 2009-01-13 04:15:55

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

An Aid For My Personal Finances

Last year, I attended the “How to Be Truly Rich” Seminar by Bo Sanchez, and since then I have been cautious with how I used my money ... for their Certificates of Deposits (CD). MonitorBankRates.com have a CD calculator that can help them ... use of the Certificate of Deposit Calculator available for use in the website.By using [more...]

Date: 2009-01-14 05:36:00

Help Me I Need To Consolidate My Debt

No matter how well you plan, at times you can find yourself the victim of unfortunate financial circumstances ... to your debt consolidation questions and concerns can be fairly straightforward. “When someone ... paying on each loan or credit card,” says financial advisor and business writer Carl Walins. “ [more...]

Date: 2009-01-14 03:05:42

About Those Balance Transfers…

Now that the days of 0% balance transfers and no balance transfer fees are likely a thing of the past, ... of these spendthrift habits has resulted in not a little bit of debt for Mr. Grouch, but he has recently committed to a goal of eliminating it entirely. Good for him! In order to reduce his debt as quickly [more...]

Date: 2008-12-16 21:12:28

Finance: Welcome Finance into your lives

If you’re like many, than you may be lost in the technical mumble jumbo of the financial terms, and you may not feel welcome. However, if you can learn to break finance down into simple things than it can be easier. One question of finance is, “how can you insure and/or protect your assets”. This brings up welcome finance insurance, and welcome finance auto insurance into question. You can answer this by searching for auto insurance in the place where you live. [more...]

Date: 2009-09-17 00:06:27

Apple Chooses Form Over Function; Users and the Press Rebel

When is progress not progress? When looks come before use, and when you take one thing away without giving something else back, users respond. It turns out Mac users care about more than just aesthetics, whatever anyone tries to say. Photo: Ondra. It should have been another home run for Apple today [more...]

Date: 2008-10-15 04:21:18

10 Ways to Get Out of Debt on the Road to Financial Freedom

Debt is a word that has many negative connotations attached to it simply because it is the number one reason the vast majority of people are facing ... to into debt. Banks, mortgage lenders, credit card companies, pay day loan services, and car loan ... you are working your way out of debt. 4. Credit Cards – Credit card debt is a leading cause [more...]

Date: 2009-01-16 00:24:23

Ask me anything #6

Each week I give the readers of Gather Little by Little a chance to ask me anything. The only real rule is that I can decline to answer. I’ll do my best to answer as many questions as I can though. Have a question you would like answered? Just drop me a line or leave a comment! Eric writes: I have a question for you (well more like a favor) [more...]

Date: 2008-10-02 10:40:49

Free Excel based Debt Reduction Calculator to Payoff Credit Card Debt

Works with : Microsoft Office, OpenOffice To start with this Free Excel based Debt Reduction Calculator, you first enter all your debts in this excel. You can specify all kinds of debts in this: Credit Card Debt, Auto loan, Student loan, personal loan, and any other debt. After that, you specify interest rate of each debt and minimum payment required to be paid for each. This is the minimum payment that you financial institution has stipulated for your debt. [more...]

Date: 2009-09-21 12:00:37

Government Bail out fails - That’s a good thing

Yesterday was most likely one of those days that will go down in economic history ... the panic? Fear that Congress might not be able to come up with a fix to the nearly frozen credit ... to continue day-to-day operations. Businesses of all types depend on these loans and lines of credit [more...]

Date: 2008-09-30 10:49:17

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

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