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Category Archive for: ‘Credit & Debt’

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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Bad Credit Loans

4 Credit Card Fees That May Be Costing You Hundreds

$25….$400…$245…$65 What do these fees have in common?  Credit card fees that cost you hundreds of dollars per year, in some cases per month!  It doesn’t matter how sweet the credit card program (miles, points etc), they are in it to make money.  So while they may lure you in with a sweat deal, be mindful that it may and …

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Business Loans

Is It Possible To Secure Loans For Your Business? We Tell You How

So you are on your way to start a new business venture. You are hopeful, confident and willing to take the plunge of being a new age entrepreneur. You are smart,active and understand the market enough to build your own company from start. But have you ever thought of how would you fund your business? Lets face it, no one …

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Houseofcards

The 4 Lessons I Learned While Paying Off My Credit Card

To be completely honest, it snuck up on me. My credit card debt, that is. I had always been frugal and had always paid off my full credit card balance every month. But about two years ago I decided to switch careers, which meant giving up my stable income and striking out on my own. In the months that followed, …

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Debt Collection2

10 Vital Steps to Freeing Yourself from the Burden of Debt

Recent economic difficulties being experienced throughout the world have created a number of problems for hard-working people, and one of the most significant is the problem of consumer debt. Faced with stagnant wages, rising costs of living and an increased risk of unemployment, many are being forced to turn to short-term loan-providers for financial relief. However, thousands of consumers are …

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Tailsx Large

Free Flights + Hotel Stays: Get Your Southwest Air Rewards Card Here!

Southwest Air is hands down my favorite airline, second only to Jet Blue.  When I came across the Southwest Rewards card  I jumped on the deal because I have quite a few trips planned this year. And earning free airline tickets via the Rapid Rewards program can’t hurt!  If you travel a lot then you know expenses racks up quickly …

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