After suffering from debt issues, you may want to start rebuilding your credit as soon as possible. However, you are likely to find a combination of cold shoulders and vultures - some put you down, and some want to bleed you dry. Unfortunately, filing too many (rejected) applications can also have a negative impact on … Read moreUsing Secured Credit Cards to Rebuild Credit after Debt Issues
Frugal people are an interesting bunch. There are many types of frugal — each with its own, shall we say, personality quirks. Let’s have a little fun and examine a few. Can you spot the one that describes you the best? 6 Frugal Archetypes The Over Budgeter The over budgeter is “frugal gone wild.” Sporting … Read more6 Frugal Archetypes: Which One Describes You the Best?
I’ll admit it – I’m a shopping addict. But the last place you’ll see me, if I can help it, is at a shopping mall or retail store. I’m an online shopper and greatly prefer it for its convenience, ability to provide endless options and the freedom it allows me to browse and comparison shop. … Read more7 Secrets to Smart Shopping on the Web
While there are many different opinions as to how much debt is too much, the two ratios below are the most widely used measures of how much debt is manageable. These ratios are also known as debt to income ratios (DTI). Many of you are reading this and other personal finance blogs in an attempt … Read moreDebt to Income Ratio: How Much Debt is Too Much?
The situation outlined in Why Debt Consolidation Doesn’t Work…Usually is pretty typical, but if you want to do a debt consolidation this doesn’t have to be your reality. You can make it work, but there are a few things you need to put in place to make it happen. Here are a few tips to help … Read moreThe Right Way to Do a Debt Consolidation
Want to know a secret about debt consolidation loans? They usually don’t work. There’s a lot of money to be made by promoting and arranging these loans, as well as the enormous hope that surrounds them, so you won’t hear too much about how they don’t work. Having worked in the mortgage business for many … Read moreWhy Debt Consolidation Doesn’t Work…Usually
Having a pet can bring great joy, laughter and comfort to all around. Unfortunately, they can also mean additional, even unexpected, expenses in today’s already tough economy. According to the ASPCA, approximately 500,000 to 1,000,000 cats and dogs are currently in danger of abandonment due to the economic downturn. While caring for a pet is … Read more8 Ways to Lower Pet Care Costs
Tenants often forgo renters insurance under the assumption that either they will be covered under the landlords insurance, or that it’s really not a big deal. But even though you don’t own the building, you still have valuables that may need to be replaced in the event of a disaster, and even potential liability to … Read moreWhy Tenants Need to Buy Renter’s Insurance
There are less than two months until Christmas — do you have a plan for holiday spending yet? Some people have already finished their holiday shopping by now. Others have been diligently saving all year long to meet the financial demands of the holiday season. Still others might be dreading the upcoming holiday season because … Read more10 Steps Holiday Shopping Planning Guide and Checklist
Financial security is a common pursuit. Whether you’re just starting out in the working world or you’re looking to retire, financial security or the pursuit of financial security is of large importance for you. Unfortunately, a generation of Americans have been led to believe that the contributing factors to financial security come from anywhere but … Read more3 Tips to Help You Achieve Financial Security