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The Benefits Of Monthly Budgeting

December 8th, 2015

Budgeting can be a daunting task. It’s not taught in school and it never crosses your mind until life forces it to become a priority. Yet it is an obligation that everyone should undertake in order to simplify their spending habits and, above all else, save themselves some money. A few minutes on the kitchen table at the end of every month will go a long way in helping reduce your debt, save you money for future purchases and help you create a retirement fund.


Life After Reaching Debt Freedom

December 7th, 2015

You might think that paying off your debts and reaching financial freedom is the easy part about debt but it’s actually what you do after that matters most. Retaining the healthy spending habits and tools that you learn from a debt relief program is what will ensure you stay on the path of debt freedom.


Debt Expert for When Debt Has You Down

December 3rd, 2015

Worried about your debt? Don’t see a psychologist — go get professional help. Just as a doctor mends physical ailments, a professional debt expert will alleviate your fiscal woes. Debt experts operate like any trusted advisor would. You discuss your financial situation with them and they make recommendations on how to budget more effectively so you can affordably manage your debt. The ultimate goal is to repair your credit rating and enable you to live debt free.


Minimum Wage: Can You Survive On It?

December 2nd, 2015

It is no surprise that earning minimum wage, as compensation for your work while trying to stay afloat is incredibly difficult, depending on where you live. It can be nearly impossible in some cities. However, there are a few simple tips and tricks to keep in mind when looking to offset the lack of weight in your wallet.


Debt Free: 3 Different Approaches

December 1st, 2015

Let’s see a show of hands. How many of you are afraid to go to the mailbox? Or put off checking your emails? And you know the reason….you don’t want to see another bill come onto your already overflowing plate of debt. But you know your debt is out there and oh so easy to forget, but it’s never going to leave.
What doesn’t help is that we’ve been given the myth that there are two kinds of debt: the good and the bad…yet, even the good kind can get pretty ugly if not kept under control. Getting out of debt is not as hard as you think. Lucky for all of us, there are debt solutions.


Debt Help: Start Getting Out of Debt

November 30th, 2015

American consumers collectively owe over $11 trillion in personal debt. Whether you have a mortgage, student loans, a car payment, or credit card bills, most individuals carry some sort of debt. While many of these situations are both common and unavoidable, they become overwhelming when stacked on top of each other or when you experience a sudden loss of income. But there are actually quite a number of debt solutions available to consumers. If you have debt but don’t know what to do about it, there are some basic steps to get you back on the path of financial security.


Money Management: Using More Than Needed

November 27th, 2015

One of the main causes of debt is over spending which leads people to spend more money than they make. Being aware of your spending habits and trying to reduce them will give you more financial freedom and can end up saving you lots of money. Living within your means is possible and will lead to a more satisfying financial situation.


Spending: Four Ways to Track It

November 25th, 2015

Let’s face it, some of us just struggle with keeping track of our money. It’s like trying to to hold onto a wet bar of soap, we try to hold it in our hands but it just keeps slipping out. Managing your expenses can be difficult but there are few simple tricks you can try that will keep you on track and saving money.


What is Chapter 7 Bankruptcy?

November 24th, 2015

Many people have heard of Chapter 7 Bankruptcy, but are a bit in the dark regarding it’s exact definition. Chapter 7 bankruptcy is what’s known as a liquidation proceeding, where the debtor’s “non-exempt” assets are sold by the Chapter 7 trustee and the proceeds of those assets are then distributed to creditors according to the “priorities” established in the Code.