Christmas is not only a season of giving but is often a season of increasing personal debt. Many people go overboard with their Christmas spending. There are expenses on everything from the items for the …
Debt, the mere thought of it can keep us awake at night, make us feel ill and drive us crazy with the phone ringing from debt collectors. Take heart, there are some very simple ways …
Credit is a real temptation in today’s society and modern life. At the time of our ancestors credit was mainly given out to entreprenurs after meeting certinal eligibility requirements by the banks such as having …
Debt can weigh you down like nothing else in life. Too much leads to a low credit score, higher interest rates, and fewer financial opportunities – which can then lead to even more debt. It will remain …
The holidays are a magical time of year, but they are also a time of irresponsible spending. Many drive themselves into debt with the price of presents, decorations, vacations and other holiday expenses. If you …
Teaching children about responsibility involving money while they are still young are lessons that will benefit them both in the present and in the future. Children as young as three years old are old enough …
Using a credit cards and piling up a huge debt is very easily done. It is basically down to the fact that we are not actually “feeling” the weight of the money, when using the …
Credit card bail out is a simple but tedious, and long term, project that works only for those with patience and personal financial vision. Start there. Set personal goals for you and your money, write …
The right way to handle debt is to keep it under control from the outset, and to keep a focused eye on your typical expenditures. Creating a budget, and sticking to it vehemently is a …
Credit Cards: An American’s Enemy? Most Americans should not use credit cards, for the sake of their finances, their relationships, and their quality of life – perhaps even for the sake of their sanity. …
When you make an application for credit the lender will use the information you give them on your application along with information on your credit file to decide whether to approve or deny your request. …
Debt, a word that most of us know all too well. Who do we blame? It’s hard to pin the blame on ourselves because we fall for all the hype. However, if you have fallen …
When I was 19, I went and filled out my 1040 EZ like a good little citizen, and it told me that I made about $10,000 that year, and I really didn’t have anything to …
It pays to analyze your credit report for accuracy. According to recent surveys by the Consumer Federation of America and the National Credit Reporting Association, 78% of files lacked information on revolving credit accounts in …
The American Express Centurion black credit card is arguably one of the most expensive credit cards in the world, with an annual fee costing thousands of dollars. Apart from a certain prestige associated with flashing the …
What would you say if I told you there were strategies you could use to help your child acquire real wealth before he even turned eighteen? That when he DID, there would be enough of …
According to a common saying in finance, poor people believe money is for spending, middle-class people believe money is for saving, and rich people believe money is for investing. Hence, to move up the financial …
Just click this URL to file a complain against any collection agency – including Allied Interstate. It’s the federal government’s consumer protection agency site, which “collects complaints about companies,” as well as any abusive business …
America drowns in a sea of debt. The federal government owes over $14 trillion. Despite that unfathomable figure, politicians continue to pile debt on the country’s income statement. Americans seem to have taken the careless …
You’ve just finished up a long day of shopping, rushing through a myriad of stores to get all your errands complete. After you’ve unloaded your packages and tuck away your receipts, you notice your credit …
Know your credit score: Improve your rating Credit abuse is an American past-time that reflects the general lack of interest in working toward a good personal credit score, this can result in interest rates that …
Why are credit card settlements so popular in the US? There are many reasons why credit card settlements tend to be more popular in the United States as opposed to other countries. Americans have gotten …
Many of us know David L. Ramsey III as an outspoken financial counselor, an author, and the radio host of “The Dave Ramsey Show.” His advice is certainly several deviations from the mean of what …
You have been called up to deploy and you have a list of things to do. Start by calling all utility companies you may have contracts on including cellphones, DirecTV, etc. and get a suspension …
Debt. Everyone hates it, but everyone has it. Credit card debts are the worst of them all. That revolving door of credit never seems to stop spinning. There is, however, a light at the end …
For some people managing finances come naturally, but for others it is a bit of a learning curve and takes a little work. Gaining a firm understanding of how to properly manage personal finances is …
Until the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act and signed on July 21, 2010 by Barack Obama, the benefits or “Pros” and “Cons” of carrying a “debit card,” were mostly …
When you have declared bankruptcy, one of the first things you will want to do is to start right away in repairing your credit. While bankruptcy may seem like the biggest strike you could possibly …
Many people have trouble getting out and staying out of debt. Bad spending habits and poor financial management skills cause many problems that cannot be easily solved. Good news is that they can be solved …
Christmas is a time when we often overspend. We buy presents to give gifts for family and friends, we stock up on foods – often to impress or treat ourselves – and we even indulge …