As I sit here contemplating the destruction that debt wreaks in so many individual’s lives, I am struck by the fact that debt is never something that is talked about with pride. You never hear …
Lending credit in today’s society is fraught with danger. This is not least because of the amount of small debt that can spiral out of control. The problem with lending credit is that many people …
Today’s teens have grown up in a plastic culture and may look to obtain a credit card of their own at an early age. Credit cannot be issued to teens under the age of eighteen …
Debt is like gaining weight. It’s very easy to add on the pounds, but it takes diligence and a focused mind to shed them. With determination and patience even the biggest shopaholic can become debt …
The credit score may be the most important financial tool you have. Creditors use this number, calculated by credit reporting agencies, to determine how much of a default risk you would be as a customer. …
Debt is a crushing burden to carry, especially in these hard economic times. It causes many people, today, sleepless nights and affects their mental and emotional well-being. During the boom times, governments, banks, lenders, and …
There are many ways that people can achieve wealth. If you look at any two wealthy individuals, they may have done it in completely different ways, yet there are things that will help you do …
Sometimes it takes more than common sense to avoid debt. If you do not have a budget, then make one, because without a budget you will never gain control of your debt, unless you just …
You can use five cool money tricks to take control of your debt: saving, budgeting, managing your wants and needs, paying off your bills, and investing. Saving is the first and coolest money trick. Once …
Identity theft is a very serious threat to you, your estate, and your finances. Victims of identity theft could lose social security benefits to someone else, have medical benefits paid for the wrong person, have …
These days more people than ever before have personal debt. Unlike a secure mortgage debt or business loan personal debt does not offer any long term advantage. The more interest is paid out on a …
We have all heard the advice about our credit scores and history and how they affect almost everything we do from a financial standpoint. But, did you know that your credit score is used in …
Getting out of debt is a long and tedious process. Fortunately, debt reduction isn’t as complicated as most people think. In order to be debt-free, you have to abide by the principles of smart money …
A glorious vacation can be ruined if the bills are still coming in months or even years later to cover the expenses. To enjoy a truly debt free vacation two steps are involved: the vacation …
There is no such thing as good debt. It is all bad. Certainly, there are some forms of debt that are less harmful than others, but all debt decreases net worth and takes money from …
There are not only a great many credit card providers in the market today, ranging from banks to supermarkets, there are a dizzying array of credit card types which are available to the modern credit …
Getting In The Red “Yes,” I said on the morning of my 18th birthday, “I am finally an adult and can legally go out and enjoy myself and get what I want”. Jenny was a …
With current state of the global economy, more and more people are finding themselves drowning in credit card debt. The interest rate charged on credit cards is such that the major portion of the minimum …
Too many consumers feel that their credit card debts are so overwhelming that they feel the need to file for bankruptcy. However, the fact is that many debts, credit cards included, are good candidates for …
To My Creditor I realize that the only reason you are calling me eleven times a day is because you are attempting to collect a debt. I regret having fallen behind and causing you so …
Looking for debt relief and advice on credit repair, millions of Americans are doing what comes naturally. They are going online and searching for credit repair guides. This brings them to credit repair eBooks, of …
Getting into debt is easier than most people think. A few wrong choices can hurt your budget and create big problems for you. Luckily, if some basic tips are followed, the situation can significantly improve. …
If you are in debt, you are probably facing a lot of stress. You probably lay awake at night wondering when the credit cards are going to paid off, or if the house will still …
Debt management is relatively simple yet isn’t easy to accomplish. Getting out of debt is one of the most common financial struggles people face. Poor debt management strategies, lack of adequate financial knowledge, and lack …
Do you want to be free of credit card debt? Do you long for that feeling of release, that feeling of being in control of your personal finances without them controlling you? Unfortunately there are …
A high percentage of American consumers have been seduced by the convenience of easy credit. Traditional habits of saving up for ones purchases have been abandoned in favour of credit card use which provides instant …
Anyone can get into debt. It’s easy and as a person with debt, you are among the majority rather than the minority. It’s a sad fact that we are living in a Live now, pay …
The current financial crisis has not had a direct impact on my families’ income, per se, as my wife and I are employed in the engineering (biotechnology) and educational (higher education) professions. However, the current …
Do you want to avoid Christmas debt? Think before you spend when buying presents for starters. Do you really need to spend all that money on your niece or nephew, for instance? Not to be …
The very worst of the sub prime credit card issuers had some of their outrageous practices curtailed in the latest round of credit reforms. Actually some of their tricks were amazingly clever as only those …