The best Debt Cures - Bankruptcy or Debt Settlement?

Hello- It’s cyber Monday, time to start shopping online if you haven’t done so already ... a look at bankruptcy and debt settlement as these are the more popular options for getting credit card ... at their free debt calculator and here’s what it gave me: credit card debt paid with bankruptcy [more...]

Date: 2008-12-02 02:39:50

Blog posts (111) | Videos (38)
 

Pocket Profile: Frugal Babe

This week we spoke with Frugal Babe, who started a blog to chronicle her family’s path out of debt after starting a health insurance agency with her ... more in rent. Student Loan Debt: None! Top percentile. Credit Card Debt: None! Top percentile ... calculators to figure out how long it will take us to pay it off. The Bigger Picture: Tell [more...]

Date: 2009-01-08 16:49:31

Green Panda Treehouse serves up a feast of a Carnival

A big thank-you to Green Panda Treehouse for the fantastic feast of a Carnival this week, from hors d’ouvres to the desserts ... an economic crisis. No Credit Needed describes how credit card companies calculate minimum monthly payments. Erase Debt shows how to get rid of debt with less stress. Finance Tips 101 reports on dealing [more...]

Date: 2008-12-02 09:36:21

Google Docs Treasure Trove

The “Free” collection of online applications included with Google Docs provide a great introduction to the SaaS world ... , invoice and business card templates are among your choices. Spreadsheet options include loan calculator, credit card payoff, invoice, debt manager, household expenses, budget planner, road trip [more...]

Date: 2008-07-27 17:17:01

Credit Card Balance SmackDown - Higher Fees + Lower Limits

Happy Holidays. Just when we enter the spending season, families are likely to see their budgets strained by another complication ... running up a lot of debt if you can. After the holdays, use our online debt payoff calculator to help ... consumers! Many major credit card companies will pass on costs by: Raising Credit Card Fees [more...]

Date: 2008-11-25 16:38:29

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

Debt Consolidation: Now’s the Time

By: Catherine Brock The Roman Empire fell in 476, and the Berlin Wall came down in 1989 ...  out your debts and their respective rates. With the help of a credit card payoff calculator, compute the total ... to combat inflationary pressures. Domino effect If interest rates do rise, credit card debt and debt [more...]

Date: 2008-06-23 15:08:21

Need a game to learn to manage your credit?

By Philip Brewer Everybody learns best in their own way ... under the fair debt collection practices act, debt collection agencies, bankruptcy (chapter ... calculators for budgeting, debt pay-off schedules, and the actual cost of items bought on credit. Among other [more...]

Date: 2008-09-18 11:51:03

Does Your Credit Score Matter?

Almost every other day I see those goofy commercials on TV for your free credit report ... this information doesn’t help.  In reality, most lenders are more concerned with your debt-to-income ratio than ... is actually calculated). If you have a large amount of revolving unsecured debt (primarily credit cards [more...]

Date: 2008-11-26 23:03:58

What your house is really worth

By Philip Brewer There are several things you can do with a house that you own ... a mortgage on the house or not.  Just like having some credit card debt doesn't change the value ... to the structure of any debts you might have. A financial calculator can crank out a value for a $350 [more...]

Date: 2008-09-16 03:14:53

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

WalletPop - Personal Money Management from AOL

AOL’s latest project is WalletPop, a personal finance counterpart to their popular site money.aol.com ... a comprehensive list of various calculators - credit & debt, mortgage, auto loan [more...]

Date: 2008-07-15 09:03:39

Nevada Mortgage - How Much Can I Borrow?

This is typically the first question our Las Vegas Mortgage clients ask when applying for a new home loan ... , type of credit borrowed, and recent inquiries. Debt-to-Income Ratio The (DTI) is calculated ... The DTI would be 42%. Most mortgage guidelines require a 45% or lower Debt-to-Income ratio. Loan [more...]

Date: 2008-12-31 21:02:55

Rule of Thumb For Reasonable Housing Costs?

In an earlier post on motivating myself to work harder, I had thrown out a piece of “common” financial advice: ... from a mortgage calculator. The “other debt” is the sum of your other recurring monthly liabilities - car loans, credit card balances, student loan payments. There are usually two lender ratios [more...]

Date: 2008-09-10 13:58:59

Another Way I Use Credit Cards to My Advantage

Recently, I started to make bigger purchases around the middle of the month because I found that I can save more money this way ... further. Credit cards have a statement date where they will calculate how much you owe with the due ... ScoreWhat Helps Me Give Away Free Gas Gift CardsDrowning in Debt? Don’t Make This Credit Card [more...]

Date: 2008-10-06 16:08:14

City Kitchen Chronicles: Know-It-All Chili Lime Tofu and Greens

by JaimeI like to think it's something other than being a grown-up know-it-all that makes me love sharing knowledge ... me that he was getting his credit card situation in order and going on a budget, I was psyched. First ... out my amazing debt snowball calculator! I am the queen of cool!A big part of Isaac's new budgety life [more...]

Date: 2008-08-05 15:55:00

Bureaus Roll Out New Credit Score Formula for 2009

The three credit bureaus will begin using a new formula to calculate credit scores in 2009 - just as folks were starting to get the hang of what ... collection accounts in which the original debt was less than $100. This is a big victory [more...]

Date: 2008-12-29 21:48:19

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

Musings on a Post-Credit World

Musings on a Post-Credit World Air pockets in valuations can make old calculations meaningless ... have focused on was the absurdity of loading debt onto a newspaper company in the current environment ... improve and that the debt could be rolled over at lower costs after that happened. Will private [more...]

Date: 2008-12-08 22:20:52

Personal Finance Hard Truth Week in Review – It’s Almost Over Edition

The campaign is in its final days.  I expect we will have six months or so before the next group of presidential wannabes begins making noises about ... of Debt Reduction and my post on Shouldn’t We Burn Credit Cards in Protest?  Oh - that candy your kids ... a website that includes their amazing tax saving calculator.  Apparently, you input your income [more...]

Date: 2008-11-01 13:34:12

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

Money woes

Urgh. I just did some calculations (thanks, Microsoft Excel!) and I came to a conclusion that I will be debt-free by next year ... it out of the house to spend on a splurge. Trust me, people, if you haven’t got a credit card yet, DON’T GET ONE. I’m so peeved at how I can spend so much more than I can afford with a stupid credit card [more...]

Date: 2008-07-16 13:03:25

Is anyone still reading?

Hi everyone. I know it's been a long time since I've rapped at 'cha. I really don't want blogging to feel like a chore - otherwise, what's the point? ... credit card) paid off by the beginning of March, my Capital One card (which was supposed to be used ... , has been the two hours I've spent on my personal budget. I'm not massively in debt or anything [more...]

Date: 2009-01-10 03:26:00

Track and Lower Expenses to Save Money

According to the National Bureau of Economic Research, America has been suffering through a recession since December 2007. As people go cold turkey on credit and struggle to put their households on a cash basis, the first thing most of us need to do is spend a month finding out exactly where our money is going [more...]

Date: 2008-12-05 16:00:39

Rebuild your nest egg - 17 moves to secure your future now

Consumer Reports - January 2009 When bad investments happen to good people, there's only one thing to do short of weeping: Turn to Plan B ... and household goods. About 20 percent have paid off most or all of their credit-card debt ... and making choices we'd hoped to avoid. We might have to work harder to slash debt, cut spending [more...]

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

Collapse and Ruination from Gluttonous Growth

by The Mogambo Guru I was sitting outside, looking up at the stars, and wondering how many planets circle those billions of twinkling lights, ... for repayment until that day when the collection agency finally decides to just write the whole damned ... it to buy the new government debt so that the government could spend the money to satisfy [more...]

Date: 2008-12-18 19:21:05

Green Credits

Governments everywhere face the challenge of how to engage their citizens in a program of carbon emissions reductions. There have been two main approaches so far – carbon taxes and personal carbon quotas. We propose Green Credits, an alternative which is based on rewarding citizens after they have taken actions to reduce their emissions [more...]

Date: 2008-08-28 17:40:45

Shop For Groceries Online, Not Paying Off Credit Cards @ The Carnivals

free credit scores by telling us all about Credit Karma! Money Smart Life: Henry confesses to being a credit card expert with a secret. Gen X Finance reminds us that market conditions shouldn’t derail our investment strategies. With the current damage the market has done to our portfolios, can we really avoid being fair-weather investors? [more...]

Date: 2008-07-16 23:00:00

Taxpayers’ Alliance Launches “Brown Miscalculator”

On the eve of the Labour Party Conference, and with the City in turmoil, an explosive report from the TaxPayers’ Alliance (TPA) ... , energy policy, public service quality, value for money, real disposable income, national debt ... Calculator, an online Flash game which allows you to do some maths - the Gordon Brown way! Try out any sum [more...]

Date: 2008-09-20 08:00:08

Use Snowball Method Spreadsheet To Pay Off Debts [Snowball Method]

Do you have so many credit cards that you could sew a pair of pants from them? Confused as how to get rid of them? ... style of repayment you want, such as snowball or highest interest first. The program then spits ... Try this handy Excel spreadsheet to generate a custom strategy for becoming debt-free. Just enter [more...]

Date: 2008-08-26 11:13:53

Free Daily Horoscope Readings for January 15th 2009

Aries The Ram Daily Love Horoscope Reading: Your astrology readings for today have authorized the prediction of a zodiac sign of compatibility with ... calculator of the celestial globe makes known a karmic debt can be settled if you are wise enough ... is soon to shine Psychic Single Card Tarot Reading: The Emperor - Reconnect with your family today [more...]

Date: 2009-01-14 23:00:58

Military Retirement - Special Tools for Planning

by Michael Geoffrey People in the military usually have a much different retirement plan than ordinary civilians so they should use a special ... . Most people in the military are members of a credit union and that is always a great source of information. Getting help at your credit union is a good idea because they have years of experience [more...]

Date: 2009-01-15 23:55:06

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

Sunday link Love: Redemption Edition

My blogging friend Lynnae at Being Frugal is part of a collection of moms that blog for Walmart, ... From a Stock Market Decline Thrifty Florida Mama:  Tips To Set Aside Money For Christmas Chief Family Officer:  Continuing Dilemma - Public School Vs Private School My Super-Charged Life:  Debt-Free [more...]

Date: 2008-10-12 17:59:54

Bailout Math and Implications

In an effort to try to understand the more than $8 trillion guarantee our government has made to bailout our financial mess, ... , AIG Loan, Primary Credit Discount, Asset Backed Commercial Paper Liquidity, Primary Dealers and Others, Bear Stearns Assets, Securities Lending Overnight, Secondary Credit)FEDERAL RESERVE TOTAL [more...]

Date: 2009-01-12 16:24:00

Shareabill Brings Some Sanity to Social Purchases

Paying bills collectively with friends is common, but keeping track of such matters, ... presents you with money to pay charges to your credit card or recompense for past cash transactions ... by the name of Shareabill may come handy. It keeps everything sorted. And it’s as much calculator [more...]

Date: 2008-09-24 20:09:33

Become More Efficient By Simplifying Your Life

Simplicity is a concept that we all desire, yet very few of us follow ... There are no two ways about it; Credit card debt is a disease. If you are reading this article and are bogged down by this evil debt, do yourself a favor and tear those vultures up. At the very least, put them [more...]

Date: 2008-08-15 00:00:59

50 Ways to Save $1,000 a Year

Looking for ways to save money this year? Want to boost your savings in a tough economy with little effort or pain? Good. I’ve got 50 (fifty) ... of loot. Raise Deductibles. Get out your policy and raise the deductibles on your car and home ... your insurance costs by about 40 percent. Buy a Cheaper Car. Pimping in a flashy vehicle? A smaller [more...]

Date: 2008-09-03 03:37:35

New Social Security Benefits Calculator Plus A Stroll Through My Blogroll

On the way home from the bank today, I heard a news story on the radio about the new Social Security Benefits Calculator, located over at SSA.gov ... (Changes 1-11) No Credit Needed Network - All Chart Updates Have Been Published Articles ... Nickel - How To Freeze Your Credit Wise Bread - Paying Cash For A Home Purchase Articles [more...]

Date: 2008-07-22 19:28:02

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

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

A Fool's Errand: Stabilizing House Prices

Yesterday there was a news article on MSNBC that claimed 1 in 6 now owe more on their mortgage then their property is worth ... for borrowers in financial trouble to refinance or sell their homes and pay off their mortgage if their debt ... to Zillow the median household income in the area is about $46,000 while the median home price [more...]

Date: 2008-10-09 07:36:00

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

Nightmares of Financial Misery

by The Mogambo Guru The astonishing news to me was that the Fed has pledged to plow $540 billion into the money market, which is composed of very short-term debt, which is, as I already said, pretty astonishing since ... in his Credit Bubble Bulletin) "a y-t-d expansion of $423bn, or 16.8% annualized". And in an odd bit [more...]

Date: 2008-11-03 18:20:23

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

Secured Loans A Risk Free Proposition

A need can come up any time it may be financial or emotional. Emotional needs can be met but for financial needs sometimes we have to look elsewhere. That means we might have to borrow money. If you ever wanted to know what could be the best and safest way to borrow money. Then the best option for any one would be that of secured loans [more...]

Date: 2009-01-11 04:03:28

Using Earn Money Online Survey To Counteract Debt Consolidation Loan Online & Bad Credit Loans

No matter which way we look at it we are living in a bad credit personal loans as we see that there is an increased focus on debt consolidation loan company and debt consolidation loan calculator as people all over are trying make ends meet ... calculator is something that for the foreseeable future will be one of the main services in the credit area [more...]

Date: 2009-01-04 07:09:48

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