Debt Management

How to Stop Debt Collector Harassment with a Debt Validation Request

May 20, 2013
debt verification

A debt validation request is a secret weapon that enables you to verify any debt you owe. This simple tool can help you clarify any outstanding debt, stall the collections process and provide you with all the information you need to determine what debt is actually your responsibility and what is not. Debt collection agencies [...]

Read the full article →

Debt Consolidation Loans – The Pros and Cons

May 6, 2013
debt consolidation

If you’re in debt then somehow, the idea of packaging that debt up neatly into one little box is always an appealing thought. So when you read about debt consolidation, it often seems like a great idea. But is it really such a good idea? What is Debt Consolidation? To consolidate your debts simply means [...]

Read the full article →

Why Financial Literacy Should Be Important to All of Us

April 17, 2013
Financial Literacy

When you were in high school, you undoubtedly took writing classes or classes that taught you about American history. Some of you may have even taken a class that taught you how to cook. But, I am guessing not many of you took a class that taught you about personal finance and how to manage [...]

Read the full article →

Beyond Bankruptcy: Living a Debt Free Life the RIGHT Way

April 8, 2013
debt

Tracie shares her money saving tips and ideas daily atPenny Pinchin’ Mom.  She is featured regularly on her local CBS Affiliate – KCTV5 – helping local families learn how to make the most of their own budget.  When not busy saving money and helping others, she is a mom to 3 kids, ages 4 – [...]

Read the full article →

What to Think About When Choosing the Terms on a Car Loan

March 11, 2013
Car Loan Term

As many things go in life, it is far better to save money than to take out a loan. For instance, if you want a new TV, new furniture, or other items that are not necessities, do not finance them, and certainly do not use a credit card. This is especially true if you do [...]

Read the full article →

Five Tips to Follow For Student Loans

March 6, 2013
College Students

In today’s competitive job market, it is almost a necessity to have a college education.  However, that education can be quite expensive.  Unless you had parents that were fairly well-to-do and they were able to save money for your education, or if you worked very hard during your summer breaks, you most likely needed to [...]

Read the full article →

Why You Should Only Pay The Mimimum Per Month On Your Student Loans

February 15, 2013
Student Loans

Paying for college doesn’t have to be a burden for young people. The sad truth is, a lot of new graduates are so worried about paying off student loans that they no longer enjoy the fruits of their labor. The average American owes around $20,000 in student loans. That’s a huge debt to take on. [...]

Read the full article →

Tips to Pummel That Looming Holiday Debt

February 13, 2013
credit card

More than a month has passed since we had a mad rush of gifts, eggnog, turkey and in-laws.  Through the month of January many people have been furtively glancing at their credit card balance hoping it would magically go down.  Since we are halfway through February, the realization has set in that if something is [...]

Read the full article →

The Psychological Effects of Being in Debt

January 22, 2013
credit

Debt can be a useful tool when it is used correctly.  But even when used properly, it can do strange things to our emotions.  While most people do not mind going into debt to buy a house, or attend college, and often not even to purchase a new car (these are referred to as good [...]

Read the full article →

The Truth About Bankruptcy

January 21, 2013
bankruptcy

A lot of people who are drowning in debt wake up one day to realize their situation is completely unmanageable. It might have started with a couple small emergencies that you put on your credit card. Then Christmas came and some presents got tossed on their as well. You realized how great the “rewards” were, [...]

Read the full article →

← Previous Entries