You may feel compelled to file for bankruptcy in order to eliminate debt. However, the truth about bankruptcy is that it’s not necessarily a fresh start. Instead, it’s an easy way out with some potential future problems over the longterm. Here are some of the issues you are likely to face if you file for bankruptcy.
A payday loan is a short-term high-interest loan. Fees are high if you don’t repay the loan on the day of your next paycheck.7 better ways to get cash fast.
Have debt collectors have been contacting you? Not sure what to do? These 3 tips will get you out of stressful situations when dealing with debt collectors.
Being unemployed comes with a lot of uncertainties. However, simply because you’re jobless doesn’t mean that you can’t keep a handle your finances during this time. Here are 5 ways to stay on top of your finances when you’re unemployed… with debt.
Debt relief ads are everywhere. And they’re even more noticeable when you’re in debt and you’re paying attention to people talking about debt. However, debt relief scams are everywhere. Here’s what you should look for in order to avoid falling prey to a debt relief scam.
Common sense tells us that it’s cheaper to pay in cash than with credit cards and loans. But just how much cheaper is a cash payment? Here are some interesting facts to get you thinking about using cash whenever possible with some helpful tips thrown in about credit calculators and some fun cash trivia.
All about your debt to credit limit ratio — what it means, all the ways your FICO score could affect you, and how to improve your debt to credit limit ratio and your FICO score. Plus, how to tell if you’ve got TOO much debt!
Do you think you can truly afford the home that you’re currently living in? According to Suze Orman, chances are you cannot. Here are some of the indicators that you cannot afford your home.
Experts tell us that the best way to stay out of financial trouble is to live within our means. Right? But there’s ‘living within your means’ and then there’s ‘living below your means’. Which boat are you in? Here are great tips that will help!
Do you have a mound of holiday debt that you have no idea how you’re going to pay off? Consider these 7 tips to get out of holiday debt fast!
Are you worried about being prepared for a financial emergency? Here’s how to conduct a financial fire drill so you won’t get caught off guard — financially speaking. Plus tips for setting up an Emergency Fund and an Opportunity Fund to give yourself some cushion in your family budget.
There are several bankruptcy myths associated with filing for bankruptcy. Not being able to tell the difference between fact and fiction when it comes to bankruptcy myths can make anyone nervous about filing for bankruptcy. Save yourself some sleepless nights by finding out right now about bankruptcy myths!
Some software, spreadsheets and iPhone apps to help you manage your money – AND have fun while you’re doing it!
I am a big fan of using a budget worksheet for my personal and business expenses. I am so much more organized and know exactly what’s coming in and what money is going out by using a free budget planner. There are so many to choose from, so I am giving you a list to see which is the best fit for you and ou started!then step-by-step instructions to get y
Suze Orman’s book, Women & Money, is for beginners. If you have not read any of Suze’s other books or if you have no knowledge of money management, then this book is definitely for you!
Tips to help you become financially independent so that by the time you retire or before if you are lucky, your money will be your own.
Suze Orman’s advice is simple: ‘people first, then money, then things.’ I have great confidence in her system and it has worked for me. Here’s why.
Bankruptcy exemptions are items that are exempt from being sold in order to discharge your debts. These exemptions are basically items that you need for a fresh start after your bankruptcy is discharged. Here’s what you need to know.
Perhaps it’s time to start talking debt help and how to get it. Have you ever looked into money management support groups? It’s time to stop letting shame and inadequacy keep us from being real and honest about money and finances. Here’s what I’ve learned about debt support groups, including how to find online support groups as well as local debt support groups in your area.
Credit counselors help consumers manage — and ultimately lower — their debt. They promise to negotiate with debtors, create payment plans, and lower the interest rates of people in debt. Their ultimate goal is to eliminate your debt. Credit counseling can be good… so good, it’s even mandatory in some situations — like before you can file for bankruptcy.
Showing someone else how to manage money may be easy when that someone is your teenager. If you’re trying to help another member of your family who’s asking you for money, giving them money management tips is probably not going to be as easy. Here are some things you can do when dealing with a loved one who cannot or will not manage their money.
If you’re looking for some debt collection help, including tips for dealing with debt collectors who are harassing you, start here. These tips will help put an end to all the phone calls from debt collection agencies, and put you back in control of your past-due bills.
Here’s why it’s worth it to let your credit score suffer a bit while you dig yourself out from under the weight of too much debt. It’s best to worry about your credit score later.
Hearing about Ivan’s financial situation on NBC’s Today Show made me flash back to my own college days when I, too, was in debt up to my ears. Jean Chantzky’s recommendation for Ivan was basically to try credit counseling. Here’s why, plus what to look for when you’re trying to find a reputable credit counseling company…
When your spouse dies, what in the world are you supposed to do next? How do you keep your head above water — financially — in addition to keeping it all together emotionally? Here are some tips for getting your financial things in order, so things will go more smoothly regarding money and paperwork after the loss of your spouse.
Catching up on your bills may not be easy — especially if you are chronically behind — but with a few months of sacrifice, you could get your payments on track and increase the amount of money you can spend on yourself. Here are some tips you can use to start paying your bills on time…
For many people, shopping for themselves can bring on feelings of guilt, anxiety, and doubt. However, the process of deciding what to buy this month, and what can wait until next month does not have to be so hard.
Here’s how to create the world’s simplest budget… One that’s guaranteed to get you out of a desperate financial situation and make you happy for a change!
Some great tips for stretching a dollar and getting by when times are tough.
if you just can’t afford all of your expenses, the best thing you can do for yourself is to let something go — which can mean downsizing your home, moving into an apartment, or giving up a car. The result of letting go is a better relationship between your debts and your income. You’ll find a comfort zone that you can live with — day in and day out.
If you have managed to keep your credit rating in good standing during this time of home foreclosures, and made all of your payments on time, there are ways that you can get a bit of financial relief, too. You don’t have to be in over your head to get good deals on a home loan.
Save money for your future… increase your retirement savings… start investing… but when is it too much too soon? I realize this sounds a bit crazy. But for many, saving at all costs means running up credit cards for basic living expenses. What’s wrong with this picture?
Tax rebate checks — also known as Economic Stimulus Payments — will be sent out in May of 2008 to 130 million families. Their purpose is to stimulate the economy. I can’t help but think they’ll simply be used to pay of debts. How does that stimulate the economy?
If taking better care of your hard-earned money is one of your New Years resolutions, I’ve listed 10 ways to help accomplish it. Getting a hold of your personal finances will not only help save money, but it will help control debt and plan for the future.
Establishing a safety net savings account also known as an emergency fund is the first step in creating a solid financial plan