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Category Archive for: ‘Credit & Debt’

Ginger Lori

Hacking Into Debt Free Living with Ginger, Lori and Cher!

Girls (and guys) just want to have FUNDS right? But does having FUNDS = No fun? Join me as I chat with Lori about hacking into a debt free financial future. Tonight we’ll encourage accountability, share wealth building/credit slashing strategies and take the shame out of having debt! Join us TONIGHT to get inspired, learn some of her strategies and …

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Student Loan Debt 2

Funding Your Education: 8 Student Loan Alternatives

Going to college has never been considered cheap or easy but with college tuition on the rise with no relief in sight, it’s becoming nearly impossible to graduate from college without being sunk in debt from the get-go. With more than 60% of students having to take out student loans, than means than more than half of college grads are …

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Debt

How To Stop Hiding From Your Debt Conquer It Once And For All

Whether loans or credit card debt, the old saying ‘Out of sight, out of mind,’ won’t do you much good. In fact, it can lead to disaster. You have to face your debt squarely or it’s going to demolish your financial future. This is especially true when it comes to credit card debt. You can try to dance around your …

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StudentDebt

How One Woman Demolished $14,000 In Student Loan Debt

Congrats you have a shiny new degree – now what?  Let’s sum it up: you just spent the last four years of your life getting a college degree, you’ve put on the cap and gown and now it’s time to start your new life in the real world.  But how can you do that if you graduated with a ton …

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Bad Credit Loans

Got Bad Credit? Follow These 6 Effective Tips To Get a Bad Credit Loan

Bad credit sucks.   But most people have a period of time in their lives that their credit is not perfect.   In our credit driven society, those with bad credit know that it is very difficult to live without access to credit.   Fortunately, it is possible to get a loan with bad credit.   Of course, interest rates are higher for …

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Collection Agency

I’m a collection agent. Here’s how you get rid of me

Let’s say you owe money.  This could be a medical bill, old cell phone bill or even a delinquent credit card balance that a lot of late right now.  Now you have an annoying collection agent calling you throughout the day and even on weekends and you find yourself screening every call that comes through.  You might as well have …

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Credit Card Payment

Manage Your Business Finances Like A Boss

Getting ahead in business can often seem like being Alice trapped by the Red Queen. You need to run as fast as you can just to stay where you are, never mind catching a break and really pushing forward. However, while juggling stock inventories, staffing, market penetration and finance can be a hard task, there is a way to make …

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Woman With Credit Cards

The Rewarding But Dangerous Risks Of Credit Card Churning

Credit card churning is the process of applying for credit cards several times a year, spending on them to earn a big introductory bonus, and then closing them out before the annual fee comes due. There is a small but vocal community of people who do this as a hobby, and earn thousands of dollars in rewards each year in …

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Debt Collection2

Will Credit Counseling Services Help Or Hurt In The Long Run?

If you’re already in debt up to your eyeballs, how can you not take a second look at advertisements promising to lower your monthly payments with a debt free ticket just 24-48 months away?  With so many people living paycheck to paycheck, mounting concerns about how to make ends meet and keep food on the table keep some up late …

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Target Breach

Surprise! Your Cards Have Been Hacked! Now What?

If you happen to be a lucky Target, Neimans or Michael’s shopper then you may have received some unsettling news that your card data may have been breached by credit card hackers.   For example, specific to Target, the breach involves purchases made in stores and not online and the compromised information includes: Name Credit card number Expiration date 3 digit …

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Debt Collection

Is Your Debt Keeping You Up At Night?

While most people have some type of debt, there are some who carry too much debt.  This can include credit cards, mortgage, personal loans and/or a line of credit.  At some point, it becomes too much because you find yourself sitting in despair about your financial situation. Check The Numbers.  Calculate your debt to income ratio.  The hard and fast …

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Paydayloans Woman

A New Breed of Loan

We’ve all been there, counting down the days till our next payday, frantically calculating every extra dollar spent on lunch and coffee, trying to save every last penny to make it to payday. And at this time of year, the wait until you get to payday can be even longer with all of those parties to attend, holiday dresses to …

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Credit Debt

Bankruptcy in Your 20′s — It’s Not the End of the World

At 24, I was in a good place both financially and personally. I had a full time job, my dream apartment and enough disposable income to keep myself entertained. Sure, I had a little credit card debt –who didn’t?—and my car payment was a tad high, but I wasn’t worried. I made enough money to keep things running smoothly. And …

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Credit Debt

5 Reasons Why You’re In Debt Up To Your Eyeballs

We’ve all seen the Lending Tree commercials where the guy sarcastically says: “I’m in debt up to my eyeballs. I can barely pay my finance charges. Somebody help me!” If that sounds like you, read on. Here are a few reasons why you’re swimming in debt and what you can do about it. No spending plan Without a plan or …

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First Time Home Buyer Tax Credit House

Devil’s Advocate: 3 Reasons Not To Refinance

Should we refinance or not? Should we just pay off the mortgage and forget about refinancing? These are questions homeowners ask a lot; particularly when the interest rates are really low. Still, refinancing can be a bad idea and may harm you in the future. If you’re thinking of refinancing, you may want to consider the following questions before moving …

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