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!
monthly bills and utilities
3 Reasons Automatic Bill Pay May Not Be For You
There are some serious disadvantages to using automatic bill pay. For one, it could cost you more money in the long run! I know I’d never use it. Here’s why.
Bankruptcy Exemptions: What Can You Keep After Filing For Bankruptcy?
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.
How To Pay Off Old Bills While Raising Your Credit Score Using The ‘Pay For Delete’ Method
Here’s how to pay off your bills and boost your credit score at the same time… there is a little-known way to do this. It’s called the ‘pay for delete’ method of paying off debts.
Prevent Identity Theft By Shredding – What To Shred, What To Keep & How To Choose A Shredder
It’s NOT illegal for people to go through your trash. That’s why you need to shred anything that has personal information on it. Otherwise, identity theft may be in your future. Here’s what to shred & what to keep. Plus, the difference between cross cut paper shredders and strip cut paper shredders
Consumer Credit Counseling Service: Can Credit Counselors Really Help You Get Out Of Debt?
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.
Debt Collection Help: Tips For Dealing With Debt Collectors & Debt Collection Agencies
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.
Should You Bundle Your Utilities Or Not? I Did…
I have finally come to the realization that bundling my utilities would also save me a great deal of money. Since each different utility service is fighting for our bundled services, I feel a bit fairly secure that if I don’t like the way I am treated by one company, I can always move to another.
Do You Really Need A Home Phone?
With the popularity of cell phones and Internet sites that allow you to talk online, it is likely that home phones may go the way of street corner pay phones soon. When it comes right down to it, home phones are really no more necessary than pay phones. Plus, home phones can easily cost a family $100 or more a month!
How To Stop Paying Your Bills Late And Start Paying Your Bills On Time
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…
Should You Change Banks?
Best Bank is a new bank that has partnered with Kroger and other grocery stores. They are currently offering many free services that USED to be free at other banks. In addition to good banking practices, they have joined forces with the supermarket to offer customers cash back on groceries purchased at Kroger, as well as at other participating stores.
How To Use The Cash Envelope System For Savings
Some tips for using Dave Ramsey’s Cash Envelope System when you’re budgeting your bills for the month. Finally, you’ll have a handle on how much you can spend, and how much you need to save to get through each month.
Married Money Dilemma: Should You Maintain Separate Finances In Your Marriage?
There are good reasons to have separate finances and there are also good reasons to have joint finances. Here are some of the benefits of having separate finances, compared to the benefits of combining finances when you’re married.
Is Your Home Phone Bill Out Of Control?
Because we have high-speed DSL through our home phone line, I have been ignoring the high amount we have been paying on our home phone. However, even with DSL, $120 a month is just too much to pay for a home phone when your household already has 4 cell phones. Here’s what I did…
Too Much Stuff & Knowing When to Let It Go
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.
Will New Finance Curriculum In Schools Heal Georgia’s Financial Woes?
The state of Georgia is facing serious financial problems. Georgia educators plan to fix this by adding financial literacy and financial planning to the state’s high school curriculum. This means they’ll have to remove 20% of social studies lessons to make room for the new finance and economics classes. Is is the right thing to do?
What Are You Going To Do With Your Tax Rebate Check… Stimulate The Economy Or Pay Off Debt?
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?
Home Phone Service – Is It Necessary?
Home phone service is one way to cut costs. As cell phones have increasingly become the main method of communication, home phone service has gone out of date. While the reliability of home phone service is greater than that of a cell phone, depending on your situation, a cell phone will usually suffice. In this article I’ve listed the factors to consider when deciding whether or not to keep your home phone service.
Frugal Food Tip: How To Save $300 A Month By Brown Bagging It For Lunch
You may be able to save a lot of money each month by simply bring your lunch otherwise known as brown bagging it.
