Index of Articles:

 

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Live Below Your Means and Prevent Debt

Living below your means may not seem to be the best way to live your life, but if you wanted to be debt free, then this is the way to go. Living below your means does not mean that you have to li...

Common Credit Report Errors

Studies show that a high percentage of consumer credit reports - up to 70 percent - contain errors, so you should be prepared to see some erroneous information on your credit report. The faster y...

Misconceptions about Debt

Foreclosure is better for my credit than a bankruptcy - Maybe; maybe not. It actually depends who you talk to on this what answer you get, but ultimately it depends how the action is reported to ...

Debt Prevention Resources

We live in a world where debt is not only acceptable, it is the norm. Almost everyone you meet has debt of some kind. So, in a society that views debt as a way of life, how can we control our deb...

Debt Related Rules of Thumb

How Much Debt Should You Have? Ideally, no debt would be the best answer, but you have to realize that for some assets it is almost required you borrow money, such as buying a house. Most experts...

Reduce Your Debt

If you have $5,000 - $10,000 in Credit card balances, you can save thousands using this simple method. Have you ever wondered how you can ever get out from under all that debt? If so you are no...

Refinancing a Debt Consolidation Loan

Unsecured debt may be an expensive way to finance purchases--because the lender has no collateral, interest rates can be high, in some cases over 25%. Miscellaneous fees, such as late charges and...

Debt Consolidation Mistakes

You've been swiping that plastic card and gleaming at all your new purchases, the euphoric feeling new things bring can put on the biggest of smiles until the bill comes and all that sunshine is ...

Protecting Your Heirs from Debt

We spend our life in modern society accumulating Things and possibly accumulating money. When you take a step back and look at life on the larger scale, money is not a goal in isolation. We striv...

Finding a Debt Consolidation Lender

Having so much debt that you don't know when you will ever be debt-free can be extremely frustrating and stressful. Unfortunately as the opportunities to get into debt are increasing in the UK, s...

Home Equity Loans

Consolidate your loans. Most people have more than one debt. You may have high interest credit cards, loans and mortgages. To pay off one debt you may need to borrow from someone else, creating ...

Consolidating Student Loans

It seemed like Monopoly money to her. Emily, a New York University senior who prefers not to use her last name, took on thousands of dollars of student-loan debt without giving it much thought--u...

Dealing with Debt after College

Some people might ask: does the market dictate to federal student loan consolidation? Not really: it is the US Congress that sets the interest rates on federal loans, including federal student lo...

Consider Consolidating Your Debt

Good financial planning buys you time when a life crisis occurs. A job loss or divorce, a disability or the death of a spouse, can be wrenching enough without the addition of money stresses. Havi...

Consider Credit Counseling Services

Debt consolidation is the process of taking multiple debts, and combining them into one single monthly payment. There are a number of companies that can do this for individuals in need, such as a...

Debt Consolidation and Retirement

Debt is tightly tied to savings, the more debt you accumulate the less money you have left over for savings, conversely the more savings you have the less likely you will need to borrow money and...

Single Parent and Debt Consolidation

Debt consolidation loans are the loans used to consolidate all the debts that you might have, in one single payment. There has been a sharp rise in the takers of debt consolidation loans along wi...

Be Careful When Using Debt Consolidation

Readers are always asking about debt consolidation programs. What are they and what do you need to know about them? Debt consolidation programs are usually just a big loan that pays off other sma...

Saving Money in a Slow Economy

In a slow economy people should try to watch their spending that might jeopardize their future financial goals. Let's look at some of the most common mistakes people make and how to avoid them. ...

Borrowing from Retirement to Consolidate Debt

When you are looking to consolidate debt you must be careful what moves you make to do this or you can get yourself in even bigger trouble. Do not get yourself talked into taking another loan to ...

Consolidating Debt with a Personal Loan

I was wondering if it's a good idea to take out a personal loan to pay off credit cards? All told I owe Mr. Plastic about $10,000. I am thinking that it would be better to get a 2 or 3 year perso...

Your Credit and Debt Consolidation

Debt consolidation can lead to an improvement in your credit rating by making your debt easier to manage. Sometimes, debt consolidation means taking a loan at a lower interest rate to pay off sev...

Choosing Debt Consolidation

There are several reasons why people face debt during their lives, it can be an emergency or the actual world economic situation, but it can be finance managed poorly as well. However, there are ...

Divorce and Debt Consolidation

Mary and Bill recently divorced. Their divorce decree stated that Bill would pay the balances on their three joint credit card accounts. Months later, after Bill neglected to pay off these accoun...

Debt Consolidation Terms

If you've been struggling with debt for awhile you may be in the position to consider taking out a debt consolidation loan or working with a professional company to have your debt consolidated fo...

Bankruptcy

When it comes to bankruptcy vs. debt management it's not always easy to decide which is the better option. If your debts are out-of-control you might wonder whether filing for a Chapter 13 or Cha...

A Checklist for Debt Consolidation

It seems that everyone is in debts. Recent statistics show that that the average American family in credit card debt carries a balance of $4000 on several credit cards from month to month. It is ...

Debt Counseling Questions

Before agreeing to work with a credit counseling agency, make sure it's the right outfit: Ask these questions and use this advice on how to interpret the answers you get.

Choosing a Credit Counselor

Concerned about news stories of less-than-honest consumer credit agencies taking advantage of those who can least afford it. If you're considering consumer credit counseling, the credit counselin...

Non Profit Debt Consolidation or For Profit Debt Consolidation

When in debt, the debt consolidation company is the best place to turn to rid you of debt. When searching for the best debt consolidation company, you are sure to find two types of debt consolida...

Repairing Bad Credit

If you're suffering from a case of bad credit, you may feel hopeless. You may have collection agencies calling you constantly. You may have so many charge-offs that you're not sure if you can eve...

Consolidating All Debt

You can call your credit card company and tell them you are going through a time of financial hardship and ask them if they have a hardship program. Some do not, but many do…they will lower your ...

Debt Consolidation Benefits

It is quiet easy to get into financial difficulty having a home mortgage, a car truck or SUV loan and credit card repayments. There are now considerably more individuals than ever before with gre...

Creating a Debt List

We have discussed a wish list as an important aspect of financial planning but there is another list just as important. This article focused on the opposite of the wish list, the debt list. The...

Things to Know Before You Consolidate

The best and easiest way to consolidate debt loans programs is the federal government debt consolidation loan programs. While these federal government programs are the best for student loans, the...

Achieving Success with Debt Relief

One of the most important parts of an effective debt consolidation plan is the actual budget that is created. This is the actual backbone of your plan, because it is designed to be affordable, co...

Debt Consolidation Pros and Cons

Ads for debt consolidation loans are everywhere - on TV, the radio, in magazines, and even in your mail. It seems like the answer to all your problems, but before you proceed, you should conside...

Debt Consolidation Pitfalls

Whether you want to pursue debt consolidation in order to make a good financial situation better or to pull yourself back from the brink of bankruptcy you will want to consider the good and bad t...

Credit Card Debt Traps

Credit card debt is perhaps the largest reason why so many of us go into debt every day. We have begun to use our credit for everything. The high prices that accompany using our checking debit ca...

Debt Consolidation or Bankruptcy

If you have reached the point where you simply cannot pay your bills any more, you may be considering either consolidating debts or declaring bankruptcy. TV commercials would have us believe that...

FAQs about Debt Consolidation

Why should I consolidate by bills? Consolidating your bills may help you lower your monthly payments, finance charges, and interest rates. It can free up extra cash to help you pay your monthly e...

My Credit Report

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at y...

Seniors and Bankruptcy

Older Americans are heading into and through retirement with a boatload of debt. They're carrying everything from mortgages and home-equity loans to big credit-card balances, and many are finding...

Negotiate with Creditors

Face it: Negative information on your credit report often is accurate. But even if a credit bureau has verified negative information on your credit report, don't give up. You can negotiate direct...

Payday Loans

Commonly, people ask for a Moneytree payday loan when all other resources have dried up. This should not be the case; you should start making plans for taking a quick payday loan as soon as you f...

Refinancing an Auto Loan

Love your car but not the hefty interest rate you're paying? Refinancing may be the way to go. If you've built up job stability, made loan payments on time for a year or more or have otherwise im...

Credit Card Terminology

It is important to be familiar with all of the terms used in credit card offers and statements so you don't get into deep debt. Here's a list of commonly used credit card terms:

Credit Card Companies Willing to Deal over Debt

Hard times are usually good times for debt collectors, who make their money morning and night with the incessant ring of a phone. But in this recession, perhaps the deepest in decades, the unthin...

Credit Inquiries and Your Rating

In some cases you have to sign a similar document when applying for work or even when attempting to rent an apartment. Employers and landlords do have the legal right to check out your credit bef...

Marriage and Bad Credit

You're probably wondering if and how getting married will affect your credit score. Will your spouse's credit will affect yours or vice versa? In marriage, much of your life is combined; does tha...

Getting and Staying Out of Debt

In the current economy it is much too easy for people to fall into debt. Between credit cards and bank loans it's easier than ever to get credit but it's only getting harder to pay back those deb...

Dealing with Creditors

If you are having trouble making your payments, notify your creditors before you get behind. Creditors are easier to work with if they know ahead of time that there's a problem. Also, it shows "g...

Holiday Debt

You spent so much money over the holidays that you're dreading opening your mailbox you just might have a problem. But, just like taking off those extra 5-10 pounds you may have gained, the best...

Good Debt

It may seem strange to think of debt in terms of good and bad. After all, isn´t it all just bad? Well, not exactly. Like so many other things in life, whether debt is good or bad depends a great ...

Credit Card Mistakes

It is important now more than ever to keep your credit score as high as possible. We all have heard reporters on television and stories in the newspapers that have said that credit is tight. An...

Mortgage Myths

Most people's belief structures about mortgages are based either on truisms that may have been true for your parents 20 or 30 years ago or are the result of ideas that have become accepted as tru...

Committing to a Mortgage

Committing to a home mortgage doesn't have to cost you your sleep. Home mortgage interest rates hit record lows in 2008 and have remained at record lows as we go through 2009. It is possible tod...

How Can I tell if I'm too much In Debt?

If you are facing a stack of bills you can't handle, take heart, even in spite of the bad marks, the credit counseling industry has been receiving lately, plenty of nonprofit organizations still ...

Giving up Credit Cards

For years, you have been playing the credit card game. You thought yourself pretty darn smart for the tricks you learned to manipulate the system. You actually benefited from using cards. You cas...

Credit and College Students

Banks are getting more aggressive - and creative - in their efforts to pitch credit cards to college students by hawking cards near college campuses and striking exclusive partnerships with colle...

Difference between Credit Cards and Charge Cards

A credit card give you credit. That means that you do not have to pay your bills fully and you can carry a balance. You will be charged an interest on the balance that you carry. The rate that yo...

Bounce Back after Bankruptcy

Almost anyone can get credit soon after a bankruptcy. It's just a matter of knowing how. It's true that bankruptcy deals a devastating blow to your credit and your credit score, the three-digit...

Getting an Auto Loan with Bad Credit

The first step in getting a car loan with bad credit is to be realistic. Many car shoppers get frustrated when trying to find a car with bad credit because expectations are set too high with resp...

Loss Protection for Your Credit Cards

I got a call from a woman who said I need credit card loss protection insurance. I thought there was a law that limited my liability to $50 for unauthorized charges. But she said the law had chan...

Risks of Cosigning a Loan

A friend or relative asks you to co-sign a loan. He or she assures you that the loan will be repaid in full and you'll never be called upon to cough up the cash due to default. Being the nice per...

Saving for College

When the stock market hit the skids, investors stampeded into conservative investment options, desperate to preserve as much of their savings as possible. But with the Dow crossing the $10,000 ma...

Choosing a Bank

Choosing the best bank for your needs is easy. First, you have to figure out exactly what you need from a bank. Once you know what to look for, you can quickly evaluate the competition and end up...

Social Security and Financial Plans

Social Security provides a guaranteed income each year for more than 47 million retirees, family members of workers who died and people with disabilities. About 30 percent of Social Security bene...

Savings Funds

Are you ready for your money to start taking care of you? If so, then this is where safety begins: the Emergency Fund. It crushes me to see how many families have little or no savings protectin...

Personal Finance

If you haven't been involved in the stock market, ask yourself how much you can afford to lose, both financially and temperamentally. Yes, I did say lose. The brokerage community usually asks, ``...

How Insurance Can Prevent Debt

One of the biggest effects of debt is that you are only ever one minor problem away from a disaster. By living on the edge you'll always be worried about what is around the corner and this is rea...

Retirement Planning

The problem with those who believe that you should not invest before paying off all debts and establishing an emergency fund. For many, they would never begin saving for retirement. While an emer...

Advantages and Disadvantages of Debit Cards

Debit and check cards, as they have become widespread, have revealed numerous advantages and disadvantages to the consumer and retailer alike. Advantages are as follows. A consumer who is not cre...

Financial Tips for College Students

So it's no surprise that many kids don't know how to handle money. Their parents wanted only the best for their kids and, in most cases, provided it. But fiscal responsibility sometimes got lost ...

Credit Report Dispute

Your credit report contains key information that identifies you and how you've paid your bills. Whenever you make a credit-based application, your credit report is reviewed to help make a decisio...

Credit Counseling Services

You are deeply in debt and desperate. You've seen all the television ads from services that promise to help you, and you've also been approached by a company that assures you it can painlessly ma...

Credit Union or Bank

Those in the know have always understood that credit unions offer the best banking deals around. But to get in on them, you have to become a member.

Once upon a time, members had to be ...

Pay Day Loans

The ads are on the radio, television, the Internet, even in the mail. They refer to payday loans, cash advance loans, check advance loans, post-dated check loans, or deferred deposit loans. The F...

Internet Scams

Okay, it's official: There is no argument so stupid that somebody won't buy it. I thought the folks who fell for the income tax is unconstitutional scam were pretty soft-headed. But they're geniu...

Credit Card Insurance

Your credit card company may offer it under a variety of names. Credit card protection insurance. Credit Shield. Payment protection. Credit safeguard. But no matter what name it goes by, thi...

Debt Consolidation Loans

Interest rates haven't been this low for decades, tempting some consumers to take on additional debt to ease existing credit woes. The goal is to consolidate various higher-interest balances into...

Credit Reporting Agencies

Lending money is risky business. Remember that time your friend Bob borrowed $50 and said he'd pay you back the next day? You haven't seen Bob or your $50 in three years. If you had known that Bo...

Credit Card and ID Fraud

Identity theft and credit card fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person's personal data in some way that involves fraud or d...

Selecting a Mortgage

Before you buy a home, it's important to find a home loan that fits your personal situation. There are certain things you can control, such as the lender you choose to work with, the amount you b...

History of Credit and Credit Debt

The use of credit Ancient dates back 3000 years to empires such as Babylon and Egypt. It has become quite commonplace to make purchases without physically exchanging currency. Although the use ...

Making a Budget

Budgets are a necessary evil. They're the only practical way to get a grip on your spending - and to make sure your money is being used the way you want it to be used. Creating a budget generall...

Credit Card Interest Rate

A major consumer group conducted a study to find out how easy it is to get a lower credit card interest rate. Fifty-seven percent (57%) of those who simply telephoned their credit card company an...

Collection Agencies

Here are some tips dealing with Collection Agencies. All communication should be in writing. Sending everything in writing provides you with documentation that you may need later on if you decid...

Debt Collection

If you're behind in paying your bills, or a creditor's records mistakenly make it appear that you are, a debt collector may be contacting you. The Federal Trade Commission (FTC), the nation's con...

Credit and Credit Cards

While you are trying to get a credit card, keep paying all your other bills on time. Once you get a credit card, you'll start getting offers for other cards in the mail. Be wise: You should have ...

Saving Money

Set savings goals. For short-term goals, this is easy. If you want to buy a video game, find out how much it costs; if you want to buy a house, determine how much of a down payment you'll need. F...

Maintaining Good Credit

Managing credit can be a challenge. There's no better way to keep out of debt than by tracking your spending and sticking to a budget. A budget can help you control your finances, decrease your d...

Credit Problems

Are you consistently charged late fees on all your bills? Is it hard to decide which bills to pay each month? Do you spend more than 20% of your net monthly income to pay for your credit cards? H...

Dollar Cost Averaging

Dollar cost averaging is a technique designed to reduce market risk through the systematic purchase of securities at predetermined intervals and set amounts. Many successful investors already pra...

Home Equity Loans

A home equity loan or line of credit allows you to borrow money, using your home's equity as collateral. If the previous paragraph seems like gibberish, you have surfed to the right place. We wil...

Tips to Stay Stress Free at the Holidays

The holidays can be a magical time of year, but most of us spend it stressed, worried, ill and broke. Over the years I've learned a few tricks that help me manage my stress so that I can actually...

Home Equity Credit Lines

If you are in the market for credit, a home equity plan is one of several options that might be right for you. Before making a decision, however, you should weigh carefully the costs of a home eq...

Home Equity Loans for Debt Consolidation

If you're drowning in debt, using your home equity for debt consolidation can be the life preserver you desperately need. Understanding how to use your home equity for debt consolidation can help...

Women and Debt

While some might think that women are leaving work to take care of their household that is not always the case. Some women have been involved in layoffs, cut backs and lower wages. The average wo...

Shopping For a Debt Consolidation Loan

Many Americans find themselves faced with bad credit from debts and wondering if they should consider a bad credit debt consolidation loan as an alternative. Debt consolidation loans are designed...

Debt Consolidation Schemes

You can save thousands of dollars by refinancing and taking that into account, the refinancing costs that will undoubtedly be included in the loan installments won't be a burden. To lower your ...

Low Income Workers

Low income debt consolidation services are tailor made for the low income group who find themselves under the threat of the collecting agencies of different creditors. Debt consolidation for low ...

What is a DRP?

Companies offer DRPs as a way for their shareholders to buy stock directly from the company (usually through a transfer agent) in very small to large amounts, and usually on a monthly basis if de...

Dealing With Debt Collectors, the Easy Way

It's never an easy situation when you're in debt; the thought that you cannot pay back money you owe is as frightening as the fact that the debt collectors are going to be knocking down your door...

Debt Free Living

It is virtually impossible to reach the goal of being debt- free by following the wisdom that we have learned in the world. If men lived by the correct Biblical principles, they could live most ...

Borrowing From Your 401K

Financial advisors will never advise you to borrow money from your 401(k) retirement plan, after all this is the nest egg that you will need when you stop working upon retirement. Other financia...

Credit Card Fine Print

To credit-card companies, it's not sufficient that customers pay their bills on time every month; they must also avoid a daunting array of borrowing habits that lenders deem risky. Like borrowing...

Holiday Debt

The holiday season seems to lure us into overindulgence. Eating too much stuffing or drinking too much eggnog is one thing. Charging too many gifts on your credit cards is another.

Rules of Thumb Regarding Credit and Debt

Everyone has a unique situation, and there are no concrete financial numbers that define success, but there are some rules of thumb that can help you gauge your progress. While following these ru...

Common Credit Questions

With today's credit-driven society, it's absolutely essential to stay on top of your financial circumstances. If you get behind on your bills, it's very difficult to catch up. And if you don't ca...

Questions About Debt

Which debts do I pay off first? Essentially, this all boils down to the interest rate. Typically, your highest interest rate debts will be your credit cards. You should put all your extra cash to...

Emergency Funds

In life you should expect the unexpected, and this is why you need an emergency fund. The best you can do is to prepare for emergencies that require access to additional money and having an emerg...

Warranty Purchases and Debt

Insurance is a common necessary to ensure financial protection for an individual's home, car, and health. In the case of a catastrophic event, insurance protection protects an individual from th...

Retirement and Annuities

In the past, most individuals did not focus on their retirement plans as many worked their entire career at one job and when they retired they were provided with a company sponsored pension. A p...

Reduce Debt with Tax Savings

Most people believe that they pay way too much in taxes and where many individuals are living from paycheck to paycheck, it is particularly frustrating to see 15% or more of their earnings disapp...

Plan for the Future by Eliminating Debt

It is important to examine your debt position on both a short term and a long term basis. Individuals should be able to meet expenses and work towards their goals without accruing excessive debts...

Change in Income and Debt

In today's world, income fluctuations are a common challenge that many people face while attempting to establish a budget. This occurs when your income varies greatly from month to month, such as...

Consider Disability Insurance

You have worked hard and created a budget and executed a savings plan and you are living well within your means and are looking forward to a comfortable retirement. Everything is going exactly a...

Savings and Debt Reduction

Savings is a key component of any solid financial plan. Whether it is for retirement, long range goals, or short term emergency funds, savings is an essential function for each of us to perform i...

Too Much Debt

Having a large amount of debt does not automatically mean you have bad credit. There are many individuals who carry extremely high levels of debt, yet they faithfully pay their creditors each mon...

Retirement Plans

With the cost of living continually rising and Social Security in jeopardy, not to mention life expectancy rates continue to climb, it is critical to develop a good long term financial plan to me...

Buying or Leasing

One of the keys to staying away from high levels of debt is learning to spend your money wisely. The wise use of money is a rather broad topic that can often be quite subjective. What I consider ...

Be Careful of Fraud or Identity Theft

It is very hard for many people to maintain the necessary discipline that is needed to live a debt free lifestyle. The modern philosophy of "buy now and pay later" has really taken its toll on th...

Debt-free Retirement

As a young person, the idea of retirement is nothing more than a vague notion and the prevailing sentiment is that it's hard enough today to survive financially without worrying about a time many...

Credit Repair

Your credit rating can often determine whether or not you are approved for loans such as mortgages or car financing. It can also affect what interest rate you receive and therefore how much your ...

Death and Your Debt

None of us will live forever and there are a host of different circumstances that lead people into debt. A common concern among individuals is how their debt will affect their loved ones when th...

Long Term Care

People today are beginning to realize the importance of instituting a financial plan for their retirement. Money is being set aside for housing, food, travel, and other expenses. And while it is ...

Consider Insurance

Insurance is very important to own, but people are the happiest when there is no occasion to use them. Unfortunately, occasions do arise such as a car accident, a medical emergency, or a death in...

Negotiating Debt

Consider debt negotiations which can be handled directly through an individual or through a 3rd party company, such as an attorney or credit counseling service. A growing number of people are fin...

Long Term Care

As the current generation begins to advance in years and the average life expectancy continues to rise, the issue of long term care will continue to be in the spotlight. It is more likely than ev...

Chapter 13 Bankruptcy

If you have amassed large amounts of consumer debt and are having great difficulty paying your minimum monthly expenses and your financial situation continues its downward spiral, you many have n...

Spend Less Money

Levels of consumer debt are at an all time high in the US and the ramifications of this fact are staggering. Personal bankruptcies have become common place. Retirements have been delayed, credit ...

Maximize Savings and Minimize Debt

When it comes to a retirement savings strategy the sooner you start the better off you will be. This allows more time to develop a systematic investment strategy and also allows the balance more ...

College Savings Plans

Each year thousands of high school students in the US receive acceptance letters to colleges and universities all across the country. Years of studying, research, and test taking have finally pai...

Retire Early

Although much more difficult today, many are still considering early retirement. The idea of working well into a person's mid-sixties is simply not very appealing to a large portion of the popula...

Be Aware of Advance Fee Loans

Credit when used responsibly credit can be a helpful financial tool, but if abused it can because large debts and ruin a person's credit rating. Before making a credit purchase or applying for a...

Check for Unclaimed Money

Interestingly enough, one out of every eight people in the US have unknown funds just waiting to be claimed. Often these are funds that people have forgotten about or that have become lost during...

Be Wary of Premium Credit Card Offers

Many people in the world today are infatuated with the pursuit of status symbols. They feel that items in this category convey a message of prestige, wealth, and power. These items come in all sh...

Financial Health When a Spouse Dies

People do not want to talk about the possibility, or even think about a death of a spouse or loved one, and this lack of attention can cause financial burdens. It is in a couple's best interest t...

Bad Credit Can Affect Your Job Search

Find the right job is important since you could be spending a good portion of your waking hours at this endeavor. Enjoying work while earning a good salary is a goal most us want to achieve. Ho...

Before Beginning a Savings Plan, Should You Pay Off Debts?

Individuals understand the importance of retiring their debts promptly. The faster the debt is paid off, less will be spent on interest. Paying off high rate credit cards can save hundreds or eve...

How to Prevent Debt And Save you Money Using Investment Clubs

Investing has long been something that people generally did not discuss amongst themselves. It was perceived as so mysterious and difficult that those without MBAs shouldn't try messing with it, ...

Avoiding Debt as a Parent

Raising children is not inexpensive. The U.S. government estimates that it takes well over $150,000 to rear a child through the age of 17. Imagine multiplying this figure by 2 or 3 children and ...

Living Below Your Means

It is common in the U.S. to live paycheck to paycheck, often accruing large levels of debt along the way. Try living below your means by putting something away for a rainy day. As income increas...

Overdraft Protection/Line of Credit

Overdrawing your checking account is very unpleasant experience and can happen for many reasons. For whatever the reason, an overdrawn account inevitably produces some negative consequences. It c...

Eliminating Student Debt

A college education used to be relatively affordable but that is no longer the case. The costs of a four year degree can often $100,000 and tuition and living costs continue to increase. The U.S...

Debt Consolidation Alternatives

May individuals are finding themselves in a position where it would make good economic sense to consolidate their debts. While many people are struggling to make their minimum monthly payments, o...

Thing to Look Out for When Considering a Debt Consolidation Loan

Due to a variety of circumstances, many individuals find themselves fiscally overextended. This is due to heavy use of credit cards, car loans, insurance payments and other bills that are in exce...

Consider Investing For a Debt Free Retirement

Start preparing in advance for a debt free retirement by preparing an investment plan. This requires a good deal of discipline because it means setting aside funds for retirement that might be us...

How Can Newly Weds Prevent Debt

When a couple gets engaged, it is not uncommon to spend months or even years planning for the wedding. Once they are wed, they start planning for children. Unfortunately, financial planning is ...

Identity Theft and Your Debt

Modern technology has made it possible to apply for loans and credit cards without ever visiting a bank or credit union. Business can now be conducted over the phone, the computer, the fax, or t...

Bad Decisions Can Turn Savings into Debt

Everyone wants the opportunity to enjoy a comfortable and debt free retirement. In order to achieve that goal, people have worked for decades to ensure that enough funds are available when they...

Filing Insurance Claims and Debt

People purchase insurance everyday to protect themselves just in case something catastrophic happens to them or their property. Insurance is a great way to provide the funds necessary to replace ...

Debt and Home Ownership

Owning real estate is the dream of most Americans and for many it's a status symbol which reflects their success. It is a place where children grow up and where family memories are made. A house...

Can you afford to be a Stay at Home Mom?

Most couples in the U.S. require dual incomes to maintain a quality lifestyle and even with two sources of revenue, it is not at all uncommon for budgets to become strained, especially when child...

Hospital Bills and Your Debt

Consumers Report conducted a survey that revealed that many patients accrued excessive debts for procedures and services they did not receive. Consumers Report surveyed 21,000 readers in regards...

Personal Debt and 401K Plans

Retirements saving plans are extremely important for long term financial security. Consistently investing money throughout the course of one's life is the best way to ensure that adequate funds w...

Inaccuracies on Your Credit Report

Credit problems can cause untold amounts of aggravation, not to mention large amounts of money. Right now some of you may be asking; how can bad credit cost me money? One way this happens is in t...

Interest is One of the Best Ways to Protect Your Credit

Planning for retirement at a young age is a great way for couples to protect their credit and grow their nest egg for the future. Establishing a regular pattern of savings by setting aside a smal...

Retirement Debt and Inflation

More and more people are beginning to see the necessity of retirement planning. Setting retirement goals and then living on a budget in order to accumulate savings has become a way of life for mi...

Lost Your Job - What to Do

In today's fast paced business world, there is no such thing as lifetime employment. In fact, the average worker changes jobs more than six times in their career. There was a time when an indivi...

Be Careful of Tax Mistakes

Although paying taxes is an unavoidable reality, you can take measures to ensure that you are not paying more than you should. The easiest and most safest method is to guard against making common...

Your Credit Report and Preventing Debt

The need for an accurate credit report cannot be overestimated since credit plays a major role in determining such things as loan approvals, interest rates, and even employment opportunities. Fr...

Beware of Securities Fraud

Financial fraud such as security fraud is on the rise due to modern technology. This means that committing fraud is much easier and the end result is the loss of millions of dollars to unsuspect...

Debt and Taking Risks

Once you have made the decision to begin a savings plan, you may become overwhelmed by the shear amount of investment opportunities that are available today. One important area is how much risk ...

Credit and Debit during a Divorce

Divorce in on the rise in the U.S. and it can have a tremendous effect on both your credit and your debt. With all of the emotions that surround this event finances can often become overlooked. F...

Day Trading Could Increase Your Debt

Day trading is the practice of buying stocks with the intent of holding them for a very short period of time. The idea is to take advantage of market upswings by immediately selling the stock. Th...

Saving for Retirement Lowers Debt

Many people work very hard throughout the course of their lives and save an adequate amount for their retirement. The goal is to accumulate enough money in order to live comfortably without accru...