All The Ins And Outs Of Bill Consolidation

All The Ins And Outs Of Bill Consolidation by Imus JacksonLet’s face it—-this economy is the pits and all of us are in a crunch situation of one kind or another. But there are those of us that for whatever reasons, are deeper in debt than others, and need some kind of lifesaver to help us out of the deep water of financial desperation. [more...]

Date: 2009-09-05 03:24:37

Blog posts (123) | Videos (59)
 

Tell All Tuesday - Bye Bye Student Loan Edition

Well, my spouse’s student loan, anyway. October is a three paycheck month for both my spouse and I ( ... our furnace died, so instead of that extra paycheck going towards debt, it went towards a new ... in and looked at the 10-day payoff number, it said $2601.54, so I clicked on the “Make A Payment” button [more...]

Date: 2008-10-07 18:29:50

Home Equity Financing Options - Should You Get a Home Equity Loan?

div style=’float: right; width: 100px; padding: 5px; margin: 5px; background-color: #FFFFCC;’font size=1font color=’#cc0000′bTip! ... for consolidating or eliminating high interest credit card debts. This way, you are able to pay off ... access to emergency cash may opt for an equity line of credit. However, if you are not interested [more...]

Date: 2009-01-12 15:30:50

Bad Credit Debt Consolidation, The Insider Secrets

What shape is your credit in? Are you floundering and finding it difficult to keep up with even your minimum monthly payments? ... into a loan or credit card that is available at a lower annual percentage. This sort of debt consolidation ... a lower interest rate on a credit card. For some with bad credit debt consolidation may seem [more...]

Date: 2009-01-11 20:31:09

How You Can Achieve Debt Consolidation and Reduce Your Payments

Amazon.de Widgets How You Can Achieve Debt Consolidation and Reduce Your PaymentsFew online debt consolidation lenders will help debtors reduce their debts. Homeowners who are in over their heads in debt can use their homes as collateral to payoff their debts. The loans offered are given to the debtor to repay the debts; and then the debtor must payoff the loan in monthly installments. In other words, your bills are calculated and rolled into one monthly installment. [more...]

Date: 2009-09-21 17:49:00

Ask me anything #3rd edition

Photo by: star5112 Each week I give the readers of Gather Little by Little a chance to ask me anything ... who wrote: I have a question about the best way to pay-off a very large debt and save money at the same ... about how we should tackle this debt since it’s so large and the interest rate is so low. Should [more...]

Date: 2008-06-26 09:00:14

$30K to $0: How We Became Debt-Free in One Year

Doug and Rachel We’re debt-free, but we didn’t begin our marriage this way. Since this is our story, I asked Doug to write it with me ... loans, and possibly $2,000 in credit card debt. It was greater than all of my savings, and I knew ... had some debt, but I wasn’t sure how much it was. We needed to discuss our finances openly together [more...]

Date: 2008-10-13 09:21:09

Interest Only and Credit Card Debt

by Mary Bush Well, here is an example of the system that isn’t functioning as intended: a mortgage loan that encourages paying off one debt, in order to overspend ourselves with another debt. The interest only mortgage and the credit card ... ? More consumers than ever before owe massive credit card debt. It’s the way to go, many college [more...]

Date: 2009-01-05 15:03:54

The Twenty-Something Finances Blog Carnival

For those of you who may not know, a blog carnival is a collection of posts all relating to a specific topic, in this case Twenty-Something finances ... at CreditShout. apply4-credit presents Tips for Negotiating a Credit Card Payoff posted at Credit Card ... Credit Card Bill of Rights Passes posted at Lazy Man and Money. Debt Freedom Fighter presents [more...]

Date: 2009-01-13 05:59:59

Budget for the recession now

Photo by: mugley While the economists debate whether we are in a recession or not, ... to impact all of our budgets. Many people are currently buried in debt, from high mortgage payments to owing large balances on multiple credit cards. Let’s face it, credit card companies [more...]

Date: 2008-06-19 10:26:34

Debt Diet

A very cool article by MP Dunleavy talks about people getting serious about getting out of debt ... motivated and helped along she paid off $15k in credit card debt in 1 years!  What an accomplishment ... Matulock hit rock bottom.  She couldn’t afford her credit card minimums. They had escalated far and beyond [more...]

Date: 2008-10-29 15:36:54

Why Would Anyone Pay Mortgages With Credit Cards?

By Xin Lu Amex Black Card Today I received an email from American Express that advertised a program where you can earn rewards by paying your ... to more spending and debt. Finally, there are often costs associated with paying your mortgage with a credit card ... Indymac mortgages with an American Express credit card. I do not have a mortgage, but I [more...]

Date: 2008-07-02 00:39:52

And You Thought Credit Cards Companies Here Were Vicious? [Credit Cards]

America's painfully slow economic decline is partly fueled by almost $1 trillion of revolving credit card debt, an albatross our imperial credit card companies are all too happy to export. Most of the world's ... countries." "Industry experts" worry that the 100 million credit card users in China and Turkey may [more...]

Date: 2008-08-11 01:45:45

Credit Card Debt Consolidation Loans, Are They The Solution To Credit Card Debt?

Amazon.de Widgets Credit Card Debt Consolidation Loans, Are They The Solution To Credit Card Debt?Credit card consolidation loans are loans used to settle and pay off existing credit card balances but before we go into the ins and outs of this type of loan we will look at the varying methods of credit card debt reduction and elimination.Credit card debt can only be reduced through acquiring lower rates of interest or negotiating reduced balance. [more...]

Date: 2009-09-10 19:26:12

credit mortgage refinance second

Many people use a credit mortgage refinance second to generate much needed funds. It is just a loan on property owned by you ... to refinance their 2nd mortgage in order to payoff high interest credit card balances and other loans. A 2nd ... are normally higher than a plain-vanilla mortgage but much lower than a credit card loan or personal loan [more...]

Date: 2009-01-14 05:27:09

Sticking to Basics Eases Financial Stress

Gregory Karp of the Chicago Times writes an easy to follow article titled "Sticking to Basics Eases Financial Stress ... less on the simple things. Take for instance credit cards, people who carry a non o% APY credit card balance have no business investing in the stock market. Pay off your credit card. The importance [more...]

Date: 2008-12-22 20:18:54

Obligatory Look Ahead at 2009

Now that I’m high on accomplishment, time to voice my intentions for 2009. Money ... that last credit card. Fully fund my Roth IRA for 2008. Determine how and where it’s prudent to combine ... I spend and where it goes. I hope and expect that this year will be the year that I go from bad-debt [more...]

Date: 2009-01-05 01:05:56

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

Earn 20 Percent on Your Money - Guaranteed

GW_94 There is no quicker nor sure-fire way to improve your current financial condition than to pay off high interest debt, especially high interest credit card debt. Remember that “a penny saved is a penny earned” ... who carries about $10,000 in credit card debt, you’re probably giving away between $1,800 and $2,600 [more...]

Date: 2008-12-03 06:01:48

Housing Good News

December 12, 2008 Here’s a piece of good news about the foreclosure mess and the overall bad housing market ... will struggle when the adustable rate (ARM) adjusts in the future. . Further good news on the credit card front – Another friend of mine fell 2 months behind on credit card payments. He had a 5 to 15 year [more...]

Date: 2008-12-13 01:52:23

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

Choosing Between Debt Settlement And Debt Elimination

By Jim Vrana For people with too much credit card debt, choosing a debt relief program can be a confusing and stressful experience ... credit card debt. It is a very common problem for many American consumers. So many people pay ... are just extensions of the credit card companies themselves. A reputable Debt Settlement company [more...]

Date: 2008-12-20 01:02:33

How To Become A Millionaire and Get Rich In 10 Steps

So you want to be a millionaire? Well you know what? Me too - and I’m determined to get there in the near future ... as the means to generate free credit card arbitrage income. Through the use of airline credit cards ... , and with business credit cards, they took advantage of high credit limit card financing and business [more...]

Date: 2008-10-13 08:13:02

How Can We Save Our Debt-Swamped Government? [Your Government]

The United States is $10.2 trillion in debt. Like countless Americans, ... in debt and I only make $2.5 trillion per year, and now this Bernanke jerk put me on the hook ... all my stuff. Please, what can I do? Calm down, Jim. You too can escape from debt by following a few basic [more...]

Date: 2008-10-11 22:00:00

Ensuring a Good Interest Rate with On-Time Payments

Who hasn’t drooled a little over the prospect of a 0% interest rate on a new credit card? ... with 0% interest is a common way people have found to pay off credit card debt faster. Pay On-Time ... A credit card may not be a sensible choice for everyone but for those who qualify, there are a lot [more...]

Date: 2008-07-14 13:29:11

Home Equity Loan after Bankruptcy - Make a Fresh Start after Bankruptcy

Making a fresh start after a recent bankruptcy is the best approach for rebuilding your credit history ... that are secured by collateral. For example, a secured credit card, auto loan, mortgage, etc ... . Filing bankruptcy will result in a negative credit rating, and make it more difficult to achieve [more...]

Date: 2009-01-15 06:04:42

Last Post for Now - Update to my Excel based financial calculators

This is the last post from me for a while. I have updated my suite of excel based financial calculators and added a multiple debt payoff tool. This post will walk you through the mechanics of the tool: 1. There are 5 inputs for each debt you have: - Debt Name: What do you want to call this? (example, MasterCard, Mortgage, Auto Loan [more...]

Date: 2009-01-02 02:05:47

Carnival of Personal Finance #182 - Don’t Go Broke Over The Holidays Edition

Welcome to Free From Broke and the Carnival of Personal Finance -  Don’t Go Broke Over The Holidays edition! ... : Why Sticker Price Means Nothing. Debt Buy Like Buffett gives us Credit Card Companies Are Putting ... Use cash to keep yourself from getting into credit debt. Creative Commons License photo [more...]

Date: 2008-12-08 12:42:55

Savings Update for the New Year

I set up my savings snowball in August, right after I paid off my credit card debt ... some more adjustments. Adjustments are the key to the savings snowball - unlike a debt snowball, it’s not a "set it and forget it" type of thing. Savings plans tend to change a lot more than debt payoff plans [more...]

Date: 2009-01-12 22:24:57

Bankruptcy and Debt Carnival #18- Online Now!

Bankruptcy and Debt Carnival #18- Online Now! Monday, January 5, 2009 Welcome To The 18th Bankruptcy & Debt Carnival! Jan ... that were absolved due to bankruptcy or debt settlement. And collection agencies also sell debts in bulk to other collecting companies. Why would anyone buy debt that legally can’t be collected on?” Credit [more...]

Date: 2009-01-05 23:52:20

Take Control of Your Finances Part 6: Get Out of Debt

Debt is like indentured servitude. You work and earn income, but you hand over that income to someone else. With debt, your finances are controlled by someone else, not you. For example, credit card ... is controlling a portion of your finances. If a Citi customer is accruing more debt on the credit [more...]

Date: 2008-11-21 17:52:35

Credit Card Balance Transfer - Do You Need One?

Credit card issuers keep on adding new features to credit cards to woo potential customers. A credit card balance transfer is one among them ... with balance transfers. Unfortunately, credit card debt can build quickly if balances are not paid in pull ... . You can transfer your outstanding card balance (or balances) from your higher interest credit [more...]

Date: 2009-01-15 08:12:18

Net Worth: September - The market gobbled up $5,223.70

Not that it was all that surprising, right? ... goals i'm working on right now: 1) Erasing all our "credit card" debt, 2) Pumping up my half ... to some new blogging income (finally!), and i'm still religiously paying off my Credit Card with any [more...]

Date: 2008-10-01 14:50:53

the auto fund is connected to the credit card fund....

It's been awhile since I've done a debt-proof living update. The beginning of the new year seems like a good time.  We're still on track ... the vehicles are old - we'll need a new one at some point.  OR. Roll that payment onto the credit card bill [more...]

Date: 2009-01-06 19:10:46

Advanta Credit Card Scam

by John Monderine I sit at my desk completely frustrated with Advanta. I opened up a business credit card with them 3 years ago and made a purchase of $6500 to help ... sense. They should lower my rate if they think I will default on my credit card. How will an increase [more...]

Date: 2009-01-12 09:01:11

16 Ways to Do It Yourself

Do you do it yourself…. or do you pay someone to do it for you? ... hair. Or color it. Or give yourself a manicure or pedicure. Pay off debt. Instead of using a debt consolidator, buckle down, do it yourself, and create a plan for debt elimination. Clean your house [more...]

Date: 2009-01-08 15:18:33

Software You Can Use to Get Out of Debt Software You Can Use to Become Debt Free The Best Software for Getting Out of Debt The Best Software Programs for Getting Out of Debt

Software You Can Use to Get Out of Debt Software You Can Use to Become Debt Free The Best Software for Getting Out of Debt The Best Software Programs for Getting Out of Debt by Sean PayneIf you’re stuck with loads of debt, you may have noticed that many of those who get out of debt tend to use some kind of financial software. There’s a good reason for them to do so: It works like crazy!A wise man will tell you that “success leaves clues”. [more...]

Date: 2009-09-23 08:21:01

LendingClub Loans

Examples of loans being funded at the LendingClub. If these guys are getting their loans funded, couldn’t you? ... I am looking for a better rate to pay off my credit card. debt. Las Vegas, NV I NEED A LOAN TO PAY OFF ... . tamarac, FL Using to pay down credit cards Rensselaer, NY Pay off credit card at lower rate Jupiter [more...]

Date: 2009-01-11 01:17:27

Money Hacks Carnival #29: Food Heaven

Welcome to the 29th Carnival of Money Hacks! I’m LAL, host of LivingAlmostLarge and a new blog called LAL musings! LAL Musings is where I write about life, love, and everything else not financial so please check it out.  I’m a 29 year old DINK and very excited to be hosting my first Money Hackers Carnival [more...]

Date: 2008-09-10 12:00:50

Advanta Credit Card Scam

Advanta Credit Card Scam by John Monderine I sit at my desk completely frustrated with Advanta. I opened up a business credit card with them 3 years ago and made a purchase of $6500 to help build my business credit for Rapid Recovery Solution, my Collection Agency. I have paid [more...]

Date: 2009-01-11 08:40:16

Credit Card Debt Calculator - Knowing Its Benefits

Credit Card Debt Calculator Credit card debt calculator is the best choice for you if you are seeking the proficient and practical solution to ... calculator. Credit card debt consolidation is the final option if you are in this situation. However ... offer for a loan consolidation. All you need to do is trying to use a credit card debt calculator [more...]

Date: 2008-12-25 07:51:39

Reflections on Red Sox - Yankees (and some weekend links)

This weekend the Boston Red Sox and the New York Yankees are getting together for another of their classic matches. ( ... s readers provide 7 ways to payoff credit card debt ... one feeling the bite of gas prices. Gas credit cards and normal credit cards, Money Smart Life [more...]

Date: 2008-07-05 16:00:44

Revisiting My Debt Crossover Point

A while back, I came up with the concept of a debt crossover point, ... , and used the snowball calculator to run our payoff out using $810.41 as our monthly payment, I made ... point in one’s life. The idea of the debt crossover point is simultaneously similar yet completely [more...]

Date: 2008-06-13 09:54:52

The Carnival of Debt Reduction #169

Welcome to the Carnival of Debt Reduction at AskMrCreditCard.com! ... can immediately help you to reduce your debt. justsaynotocreditcardfees Just Say No To Credit Card Fees ... . Get them removed instead. The easiest way to reduce your debt is to call your credit card companies [more...]

Date: 2008-12-29 16:39:22

Best Debt Consolidation Company

by William Blake Looking for the best debt consolidation company can be a long and difficult process ... . There is a certain plan for everyone. If you are looking for a debt consolidation company to handle your debt, then you should make sure that you do your research. Debt Consolidation Company A debt [more...]

Date: 2008-12-14 15:06:52

Your Credit Score Affects Your Reputation

Reputation is a measure that all of us have ... . This will ensure that you can get the payoff put on your credit report. What you should then do is to stop using credit. If you come across an item that you want, that you would normally use a credit card [more...]

Date: 2009-01-07 13:45:30

Loan For Bill Consolidation - Learn How to Apply for a Loan Bill Consolidation

Online loan for bill consolidation may be an excellent option for people looking to come out of debt ... suggests, loan for bill consolidation, also known as debt consolidation is a means of combining all your debts. Your various debts would be consolidated into single debt from a credit card company or a bank [more...]

Date: 2009-01-12 20:20:11

Behind on $25,000 in credit card debt

Behind on $25,000 in credit card debt Credit Questions There are a ton of questions about credit. From credit scores to improving your rating, you'll find your answer here. All credit questions When I payoff a creditor by settlement in the same year, how much does that effect your credit score [more...]

Date: 2008-12-23 05:24:35

Tracking My Finances In 2009: 3 January

Welcome to  tracking of income and expenses for the month ... the Capital One card for payoff before the end of February because the 0% interest offer ends ... be negative until the last day of the month. This does not mean that I am adding to my debt [more...]

Date: 2009-01-03 12:03:56

Loan For Bill Consolidation - You Know How to Apply for a Loan Bill Consolidation?

Online loan for bill consolidation may be an excellent option for people looking to come out of debt ... , loan for bill consolidation, also known as debt consolidation is a means of combining all your debts. Your various debts would be consolidated into single debt from a credit card company or a bank [more...]

Date: 2009-01-14 20:20:12

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