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  • Debt

    Avoid Get Out of Debt Scams

    Avoid Get Out of Debt Scams When you’re desperate to get out of debt, you may be tempted to grab the first offer that comes along to relieve the pressure and chaos that debt can bring into your life. Unfortunately, there are get out of debt scams that can bring even more pressure and chaos into your life. You should avoid them at all costs. These scammers target those with high credit card debt by claiming they will negotiate with the person’s creditors or reduce payments or debt [...]
  • Debt

    5 Tips to Getting out of Debt Forever

    Steps to Getting Out of Debt Forever Many of us live in the moment when it comes to finances – if the money is there, or the credit is available, spend it or take advantage of it. If you truly want to get out of debt and remain out of debt, there are some steps you can take to make sure you avoid getting back in to the same old rut while you’re paying off present debt. Always remember that when you put that great sale item you found on a credit card, you’re paying much more than it [...]
  • Credit

    Credit Counseling Agencies – Do They Really Help?

    Credit Counseling Agencies – Do They Really Help? Credit counseling or debt management services can help you get out of debt by providing you with a debt management plan to pay off your current debts. Never use a for-profit credit counseling agency. Non-profit agencies are available that will not only help you get out of bad debts, but which will also help you consolidate your outstanding loans such as auto and student loans. Your initial contact with a non-profit credit counseling [...]
  • Budget

    First Step for Getting Out of Debt – Develop a Budget

    First Step for Getting Out of Debt – Develop a Budget The first and most important step for getting – and staying – out of debt is to create a workable budget. Whether you use a spreadsheet or other form of tracking your spending, you’ll feel more empowered when it comes to your finances and can finally begin to save money for things you want and need when you know exactly where your money is going. First, assess your net income – the money you bring home for expenses. Make sure [...]
  • Debt

    DEBT – A Four Letter Word That Could Ruin Your Life

    DEBT – A Four Letter Word That Could Ruin Your Life We all know that too much of a good thing isn’t good for you. Too much debt isn’t good for you either – but neither is too little debt. When you’re in debt to the point that you can’t make payments on time and your credit score tanks, it can make your life miserable. Some necessities, such as a home in which to live or a car to drive to work and back, may not be available if your credit score is low. If you have no credit at all, these [...]
  • Debt Spiral

    Are You in a Debt Spiral?

    What exactly is a debt spiral? A debt spiral is pretty much like a bad nightmare where you’re falling into nothingness and can’t get yourself out of it. How do I know I'm in a debt spiral? Many people go through debt spirals in their lifetime because of unforeseen expenses, loss of a job or medical crisis. Sometimes it’s by no fault of your own that the debt spiral occurs, and other times it’s because spending habits were out of control. Whatever the reason you find yourself in a debt [...]
  • Can a Financial Fast Work for You?

    I’ve had some experience with financial fasting. Every January since 2010, I recover from the holidays and birthday parties by going a month without any unnecessary spending. This has allowed me to build an emergency fund, 6 months expenses and start saving for my son’s education. As the saying goes, it’s not how much money you make that matters, it’s what you keep. First things first, a budget is necessary for this challenge. Why? I’m glad you asked. Every dollar that comes into [...]
  • debt-1376061_1280

    Find Money for Your Emergency Fund

    1.Where does your money go? Know Every Dollar-Budget –a basic idea but when you stick to it consistently, you will spend less money. Apply those extra savings to your emergency fund. 2. Lower Necessary Expenses – Take a second look at certain bills that are a must in your home, and cut as much as you can. Call your gas company, cell phone company or other services to request the current advertised price for new customers. You never know-the worst they can say is no. 3. Eliminate [...]
  • Emergency Fund: Why You Need One

    Are your paychecks spent before you receive it? Is there more month than there is money in your bank account? If so, what do you do when an "emergency" happens?  In my twenties and early thirties, I felt this way every pay period. Thinking how am I going to get ahead if I continue to live like this. All I knew was this robbing Peter to pay Paul mentality had to stop. As a result, I began to educate myself and throughout this process I learned the many benefits of having an emergency fund. [...]
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