Coin Jar Saving Tips for Grown-Ups: Solve the “Raiding” Problem and Make Every Penny Count
Published on 12/19/2020Saving spare change isn’t just for kids. For many adults it’s a necessity, especially in this daunting economic climate. But the practice is hard to keep up. All too often, strapped savers must pry open their coffee cans or glass jars full of coins in order to feed parking meters, laundromats, and vending machines.
Get Out of Debt with a Daily Saving Program: Simple Strategies for Debt Problems and Credit Card Debt Reduction
Published on 12/19/2020Making money and finding new sources of money may be the most desired methods of getting out of debt or reducing debt. However, it is possible to actually cut down daily spending and generate a small but steady flow of cash that can enable bigger payments on debts.
Missed or Late Mortgage Payment: Payments 30 Days Late or Less Do Not Affect the Credit Report
Published on 12/19/2020The due date on a mortgage seems quite unforgiving and dangerous. In reality, being slightly late on a mortgage is much less of a problem than being one day late on a credit card payment.
Growing Household Wealth Through Discipline: How Self-control and Restraint Can Help Boost Family Income
Published on 12/19/2020Money makes more money. But there’s another important ingredient in growing household wealth – discipline in money management. Find out how self-control and restraint play a big role in boosting family income.
Advantages and Disadvantages of Filing Chapter 13 Bankruptcy
Published on 12/19/2020The Bankruptcy Abuse Prevention and Consumer Protection Act was introduced to prevent people from escaping their debts when they are in a position to repay some or all of the money they owe. Although filing chapter 7 is the preferred debt free solution for negotiating serious debt problems, it isn’t always possible. A debtor will file for chapter 13 bankruptcy when they have filed chapter 7 in the past 8 years, have an income that is above the state median, or have non-exempt assets that they don’t want to hand to a trustee.
How to Get the Best Interest Rates For Savings: Savings Accounts With High Rates of Interest During the Recession
Published on 12/19/2020With the bank base rate approaching zero and most bank and building society savings accounts offering hardly any interest, many people question whether it is worth saving at all. But it is always worth building up some emergency savings, and with a little care and research, it is still possible to find reasonably good interest rate.
Refinancing During Periods of Unemployment: Curtailing Financial Troubles From Layoffs With Home Equity
Published on 12/19/2020Homeowners are constantly bombarded with offers for home equity line and refinance opportunities. All of this advertising can sometimes lead people to decide to refinance for reasons that are less than practical, leaving them to regret their decision later. Financial troubles related to layoffs are one of the best reasons to borrow against a home rather than risk losing it.
Calculate a Debt to Limit Ratio: How High Ratios on Revolving Debts Can Lower a Credit Score
Published on 12/19/2020Credit scoring methods rest heavily on the amounts consumers owe. A debt to limit ratio is used to calculate amounts owed and determine lending risk. High debt to limit ratios are dangerous since they may indicate a growing problem with debt management.
Force Debt Collection Agencies to Play Fair: Is Escalating Personal Debt Causing Financial Difficulties?
Published on 12/19/2020The Fair Debt Collection Practices Act 1977 was introduced to protect struggling U.S. consumers from unlawful creditor harassment. Find out what rights collection agencies do and don’t have when contacting a debtor for repayment.
Personal Debt Management: Manage Funds and Financially Recover from Debt
Published on 12/19/2020If an individual is in a financial bind and fully understands the ins-and-outs of proper money and debt management, he or she can recover from financial mistakes. Not all cases of monetary hardships are due to financial inexperience, but simple economic misguidance. If an individual knows how to manage finances but made the unfortunate mistake of living in excess, here are some simple tips to "right the ship" and get back on course to a debt free life.
Affordable Christmas Gift Ideas for Men
Published on 12/19/2020Being in the midst of a throng of shoppers at Christmas and not knowing what you want to buy a new romantic partner may create a personal crisis, but there is no reason for it to do so. Buying for men today is not as difficult as it may initially appear, especially if the buyer takes a step back to consider some basics.
Tips for Cleaning Up Credit Reports: Credit Debt Solutions for Everyday People
Published on 12/19/2020Millions of individuals around the world are drowning in debt. All of this debt makes for some pretty nasty credit reports. Unfortunately, bad credit reports can mean that individuals are unable to get the financing they need in the future – for things like purchasing a house or a car. While many credit counseling agencies charge big bucks to provide tips for cleaning up credit report, there are tons of credit debt solutions for everyday people that they can implement themselves for free.