Student Loan Default: How to Deal with It
by William Blake The Department of Education has many different avenues with which it works hard to get money back from individuals whose student ... loans ever were. This is mostly owing to fees that are charged by loan guaranty agencies and collection agencies that the Department of Education employs to get their money back. If you are in student [more...]
Date: 2009-01-14 10:42:48
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Wise Use of Paid off Credit Cards? You Decide.
Like this article? Here are 3 free ways to join the community and follow the progress – Sign up for email updates , Subscribe to my RSS feed , And/or follow me on Twitter . Paid off credit cards – shred ‘em, close ‘em, and forget ‘em – OR – shred ‘em but leave open and risk fees in hope of increased FICO score – OR – risk fees, leverage rewards, and laugh all the way to the bank! [more...]
Date: 2009-09-25 10:00:57
3rd time is not a charm
By Fester: I support significant deficit spending this year. I support massive public expenditures this year. I don't support stupidity ... by many people to pay down debt, rather than spending the money and boosting the economy ... per paycheck that couples will receive will most likely go towards paying off debt. Given [more...]
Date: 2008-12-31 12:42:23
YOUR TOP TEN CONGRESSIONAL HITS, coming to your neighborhood shortly, is the plan (stolen from Tapped): * S ... mortgages by bankruptcy judges, new regulations for the credit card and financial industry ... interference") and perhaps another go at the Ledbetter law ("removing barriers to fair pay for all workers [more...]
Date: 2009-01-11 20:47:59
Two Financial Goals - Less Debt, More Income
This article is part of an M-Network group writing project, the 12 Days of Christmas - Personal Finance Style ... beast which can be incredibly difficult to slay - especially credit card debt, which can have interest ... up your credit cards and stop spending more than you earn. Accelerate your debt payments. After [more...]
Date: 2008-12-02 11:10:55
Don’t let Credit any Credit Card Company Keep you Down
by Denzel Abintenk Unfortunately it is very normal for people to get themselves into severe debt using their credit cards that they require the ... and quickly find yourself in exactly the same position again. Credit card debt is a vicious circle, once ... which encourages you to spend more. The best way to prevent credit card debt is to be cautious [more...]
Date: 2009-01-14 20:27:27
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
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
Goal Setting: Getting Out of Debt Once and For All
By Nora Dunn It is easy enough to say that you have a goal of being debt free in “x” months or years ... out her credit card and dig an even deeper hole of debt in the name of “treating” herself ... are? A friend of mine has gads and gads of consumer debt – the worst kind, with high interest rates [more...]
Date: 2008-12-16 21:11:59
Tips for Making Your Personal Finance Resolutions Stick- Turn Your Resolutions into Habits
Besides losing weight, getting your finances into shape is probably one of the most popular New Year’s Resolutions every year ... to it. With your finances, a goal such as “pay off $10,000 credit card debt” is much more specific and actionable than just “reduce my debt”. Make your resolutions specific goals Instead of “save more money” [more...]
Date: 2009-01-07 11:50:05
You Don't Have To Juggle Many Things
Dealing with so many things can be really difficult. Usually, learning how to prioritize is what can help people who encounter this situation ... debt, utility debts, credit card debts and many others can be too much to juggle. A way to handle all these is debt consolidation. MyDebtConsolidationAdvice.com is a web site that can help people [more...]
Date: 2009-01-14 07:05:43
What Are the Services Provided by Debt Settlement Companies
Debt settlement companies are dealing with debt reduction and debt negotiation. They operate with a simple principle. They assist their clients to negotiate settlement with the creditors on behalf of the clients but in return, their clients have to pay back part of the benefits to the companies. A good service provider is able to use professional tactics to reduce their clients’ debts with lower interest rates. [more...]
Date: 2009-09-25 07:16:38
The Basic Steps for Building a Budget
by William Blake A great way to start living a frugal life is to plan for it. And when it comes to finances, the most important plan is a budget. Setting up a budget is possible no matter what you income, how you get paid, or what your current financial situation. Developing a budget is the first (and most crucial step) to becoming frugal [more...]
Date: 2009-01-15 09:06:00
Transcript: President George W. Bush at American Enterprise Institute, Includes Q&A | December 18, 2008
(Source: White House Press Office) 10:44 A.M. EST MR. DeMUTH: Mr. President, what’s on your mind this morning? THE PRESIDENT: First, thanking you for being the leader that you’ve been, and thanking AEI for generating good thought. People in the public arena need to have support for philosophy — and that’s what you provide, [more...]
Date: 2008-12-18 20:43:07
Taking Advantage of Government Foreclosures
by William Blake You may not realize it but banks aren’t the only ones conducting foreclosures nowadays. The Federal Government, too, conducts foreclosures. Government foreclosures occur for several reasons. Most of the time it is because someone is receiving government help and fails to live up to their end of the bargain [more...]
Date: 2009-01-15 06:20:09
20 Things That Rock About Being Debt Free
I have been debt free for (almost) three years. The following is inspired by a conversation that I had recently with a good friend - a buddy of ... . I spend a little extra on nicer things for my wife. In the past, credit card debt crippled ... . I can disregard every credit card application that comes my way [more...]
Date: 2009-01-03 12:15:57
Does The Economy Make You Want To Pay Off Debt Or Build Up Savings?
Editor’s note: I set this post to publish yesterday and made the classic “New Year” mistake of setting the date to 2008! ... , and then systematically started debt-killing. First the credit card, then one student loan, then the car loan. Now, we’re left with a $10000+ student loan, and a minimum payment of $145 versus [more...]
Date: 2009-01-09 15:08:06
9 Methods for Mastering Your Money in 2009
2008 was a miserable year for money. The stock market tumbled, unemployment soared, the housing market continued to crumble, and retirement savings shriveled away. Whew! Here’s hoping 2009 will be better! But hope can only do so much. Hope cannot bring change. Action brings change. If one of your goals for 2009 is to take control of your money ( [more...]
Date: 2009-01-05 13:00:21
Oprah’s Best Life Financial Webinar w/ Suze Orman
Oprah’s Best Life webinar featuring personal finance guru Suze Orman will be taking questions from viewers about money matters, ... to make debt reduction a top priority. Your indebtedness is the second most important factor for FICO ... your score to decrease, so be cautious about taking on new debt. This includes thinking twice [more...]
Date: 2009-01-15 19:38:01
Bugger Thy Neighbor - Part II
By BJ Back before Christmas, Fester made the following observation ... to do is to hunker down and let some other fool part with their money to stimulate consumer demand and pick ... of mind against other shocks while still getting almost all of the benefits of increased consumer [more...]
Date: 2009-01-10 20:56:27
Best Personal Finance Articles From The Digerati Life: 2008 Wrap Up
As we await for the year to turn, I thought to do a little wrap up of the stuff we’ve published here in 2008. I realized after I looked through some of these articles that I tend to write novels at times, but if you don’t mind in-depth ramblings, then these posts may be of interest to you [more...]
Date: 2009-01-01 00:00:06
Debt Elimination Tips: How To Reduce Debt With These Do’s and Don’ts
My own debt elimination tips and thoughts on how to reduce debt. I’ve learned from my mistakes so I hope you do as I say, not as I did. In the mid- to late-’90’s, I made accumulating credit card debt something of a hobby. It wasn’ ... , by the end of 1998 I had nearly $25,000 in debt and not a darn thing to show for it. I knew I needed [more...]
Date: 2008-12-12 23:58:35
DrumBeat: December 14, 2008
Global oil supply will peak in 2020, says energy agency Global oil production will peak much earlier than expected amid a collapse in petroleum investment due to the credit crunch, one of the world's foremost experts has revealed. Fatih Birol, chief economist to the International Energy Agency, told the Guardian that conventional crude [more...]
Date: 2008-12-14 14:06:53
Credit Card Debt Reduction - What You Must Know
by Ferdinand Mekinsy Reduce credit card debt and eliminate it before it assumes a horrifying shape ” This is truly the crux of the story ... . As we just said, there is a lot of advice available on how to reduce credit card debt and the only thing you need to do is put that advice, on how to reduce credit card debt, to practice in real life. Well [more...]
Date: 2009-01-15 14:51:14
The choice: getting out of the credit mess, or sink into a depression
One of the most alarming things about all the bailout talk is that the Community Reinvestment Act is still in the books . Why should this matter? Because it’s at the heart of the current credit crisis. Harvey Golub writes in today’s Wall Stret Journal, Getting Out of the Credit Mess The last thing we need is policy that encourages or incurs [more...]
Date: 2008-12-09 14:27:33
Credit Card Debt Reduction - What You Must Know
by Ferdinand Mekinsy Minimize credit card debt and eliminate it now before it takes on a terrifying shape ” This is really the gist of the story. Now, What is the way you adopt in reducing your credit card debt? Well, you simply minimize ... of reducing credit card debt related problems, then finally get rid of them(or perhaps significantly reduce [more...]
Date: 2009-01-08 01:39:40
Debt Reduction Program
Debt Reduction Program Posted in January 15th, 2009 Category:Credit The numbers of debt ridden customers are increasing ... in debt. Not everyone has sense of managing the accounts. Nor do they understand interest and rate applications and fall into debt traps. Debt reduction is an innovative approach to solve unsecured [more...]
Date: 2009-01-15 14:49:54
Debt Reduction Program
Debt Reduction Program Posted in January 15th, 2009 Category:Debt Relief The numbers of debt ridden customers are increasing ... into debt traps. Debt reduction is an innovative approach to solve unsecured credit card ... ... . While credit facilities take up the fancy of buyers, they land themselves in debt. Not everyone [more...]
Date: 2009-01-15 12:32:44
Getting Out of Credit Card Debt; You Can Do It!
Imagine a life without credit card debt. Can you see it? If you’re like many average families, you may have a hard time getting a clear picture ... paychecks. The important truth to know, however, is that it is possible to get out of credit card debt ... of action and some strong resolve to get started on the path to a life without credit card debt [more...]
Date: 2009-01-15 13:08:27
Is Credit A Form Of Security?
Can an open credit line really be a form of security? I believe that credit can be one form of security, but not everyone agrees! What do you think? Let’s take a look at both sides of the argument: Credit Is NOT a Form of Security: Anti-credit advocates pretty much believe that credit is evil no matter what, but they do make a few excellent [more...]
Date: 2009-01-07 16:06:33
Debt Consolidation Benefits
Debt Consolidation Benefits Posted by admin January 14, 2009 Debt consolidation is one of the answer for your finances problems ... consolidation loan will get your credit back on the right track quickly. Debt consolidation system ... more. Procedure to apply the Debt Consolidation is not hard and can be availed if borrower has good credit [more...]
Date: 2009-01-14 17:16:00
Last roundup of 2008
Happy New Year everyone! Here are a few links to round out this year: ... -the-gift-of-cash post in this week’s Carnival of Personal Finance. Ask Mr. Credit Card included ... Free From Broke here. No Credit Needed reviews his year in finance and in health. For these final [more...]
Date: 2008-12-31 21:53:19
Reducing Debt with a Credit Card Debt Consolidation Loan
If you are finding that your credit card debt is so overwhelming it might be time to start thinking about a loan to consolidate your credit balances ... your existing debt into another form of debt. The idea behind a credit card debt consolidation loan ... to successfully use the loan for its intended purpose; becoming debt free. • Destroy all your cred [more...]
Date: 2009-01-16 00:24:26
Debt Reduction or Debt Elimination- Do the Words You Use Make A Difference?
If you’ve read Think Your Way To Wealth for any period of time, you’ve probably noticed that I use Debt Reduction and Debt Elimination fairly interchangeably ... or Debt Elimination. Now, I am not going to pull out Webster’s Dictionary here, but in my mind I find [more...]
Date: 2009-01-08 01:37:26
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
The Crisis and the Policy Response - Benanke
SpeechChairman Ben S. BernankeAt the Stamp Lecture, London School of Economics, London, EnglandJanuary 13, ... on many financial institutions and shook investor confidence in credit markets. However, although ... one aspect of a much larger and more encompassing credit boom whose impact transcended the mortgage [more...]
Date: 2009-01-14 14:16:00
10 Steps To Escaping The Paycheck To Paycheck Cycle
For the first fifteen years of my adult life, I lived paycheck to paycheck ... , I realized that I was making enough money to begin my debt reduction. 4. I listed my creditors ... I’ve ever made was to fund this mini-emergency fund. Twice during my debt reduction process [more...]
Date: 2008-12-04 12:30:30
It’s Never the Perfect Time, from Paid Twice
This guest post from Paid Twice was originally published on March 31, 2008. I think it’s so good, I’m sharing it with you again! ... to reducing our credit card debt, I literally paid $1 over the minimum payment. The minimum was $199 ... our credit card debt. And the funny thing was, there was always something else. There was always [more...]
Date: 2008-12-29 11:00:25
Is The Stock Market Cheap?
For the last two months, we have heard round after round of bottom calls and a consistent message of "stocks are cheap". Some make the claim based on a comparison to treasuries. The reality is it makes no sense to compare stocks to treasuries. What does make sense is to discuss earnings estimates [more...]
Date: 2009-01-09 04:51:23
A Word On Credit Card Debt Reduction
Too many Americans have been getting caught up in the credit card debt cycle and have not figured out a way to escape ... is with a credit card debt relief program. The problem is not many have any clue as to what is available to them ... free of credit card debt much faster. The only problem many debtors have with this type of a program [more...]
Date: 2009-01-15 16:29:48
Are You In Financial Trouble? Money Tips To Cope With Hard Times
How do we cope with hard times? Even if you are in financial trouble, there’s always hope. Maybe these money tips may help! Hard Times Thank you to Jacques Sprenger for contributing this thoughtful post. Almost 20 years ago, I lost my job and had no immediate prospect to find another one [more...]
Date: 2008-12-02 23:30:39
How to pay off your HECS Debt from UNI
Not everyone has the ability to pay their HECS (Higher Education Contribution Scheme) ... ways to live around it whilst paying your debt off quickly and easily. Saving Money on University ... voluntarily you will also receive a $70 bonus payment, reducing your debt by $770. Methods to pay [more...]
Date: 2009-01-15 11:17:25
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
How To Reduce Your Credit Card Debt - Get Creative
How To Reduce Your Credit Card Debt - Get Creative Posted in January 15th, 2009 Category:Credit In order to decrease your overall credit card debt, it is incredibly important that you take some very simple steps to bring the total amount you owe into perspective. A vital–and often overlooked–aspect of debt reduction is the level of creativity [more...]
Date: 2009-01-15 05:44:21
Five Debt Negotiation Facts
These five debt negotiation facts along with a few debt reduction planning tools gives you the ability to control your own debt. For many people today credit card debt is a mounting problem and very few know how to successfully negotiate debt settlements. If you want to learn how to successfully negotiate [more...]
Date: 2009-01-14 13:32:47
New Credit Card Rules and Regulations - The Good and The Bad
Note: The New Credit Card Rules Do Not Go Into Effect Until July 1, 2010 These days, it seems like whenever there’s a good thing going or some attractive opportunity for pecuniary gain or profit, the masses ultimately swarm the offer like locusts until they’ve completely ruined it for everyone else [more...]
Date: 2008-12-25 03:28:28
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
Top 10+ Ways to Jumpstart your New Year’s Finances!
Of course, these don’t have to be done in any particular order! Just pick one or two that particularly apply to your situation. Create your 2009 filing system. This might include new file folders, a new box to hold them or space in a filing cabinet with easy access [more...]
Date: 2009-01-13 21:04:02
Having To Deal With Credit Card Consolidation, Eliminate Credit Card Debt And Payday Cash Advance
There is an ever increasing need for credit debt consolidation and debt consolidation credit counseling as we see ourselves ever going into a global ... consolidation and credit card debt reduction and find it hard at times to make ends meet as the creditors ... consolidation credit counseling and credit card debt reduction are things that will continue [more...]
Date: 2009-01-11 03:32:30
Debt Consolidation
Do you feel tired of being overcome by debt? Do you always feel disturbed because you get class from your lenders? ... for their customers, such as; credit card and debt consolidation. Debt consolidation is focused ... the credit card debt. The collection agencies will talk to all creditors of your credit cards and help [more...]
Date: 2008-12-22 01:59:58
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