Debt OMG!
Ease the Burden of Overwhelming Debt

Author Archives: Noreen Ruth

Staying Motivated When Paying Down Debt

The things that are worth doing the most in life will often require perseverance. Consider what it takes to quit smoking or lose weight – big moves that often involve drastic changes in all areas of your personal life. The necessity of paying off large amounts of unsecured debt falls into this same category of life-alteringMore »

Posted in Debt Help, Debt Tips, Do-It-Yourself, Student Debt | Comments Off

Never Choose Credit Card Based On Rewards

Rewards used by credit card companies to entice new customers to apply are effective promotions that provide small benefits. While they may be beneficial for those who are wise enough to balance the rewards with the overall costs, credit card issuers know that many of us have an inclination to impulsively jump at the chanceMore »

Posted in Credit Cards, Credit Help | Comments Off

Liability or Asset? Debt Is a Matter of Attitude

Just as coins have two sides, there are opposing situations in finance – something is either considered a “liability “or an “asset.” Your finances should never be balanced; on the contrary, they should tip to a great degree to the asset side. For example, if you have a limited budget, it would be better to payMore »

Posted in Debt Help, Debt Tips, Student Debt | Comments Off

Defining an Effective Payment Hierarchy

There are a lot of things in life that make more sense and work better when a specific order is followed. It doesn’t make sense, for example, to expect to harvest a crop if you haven’t planted the seed and nurtured them to maturity. In the same way, your financial future is dependent on prioritizingMore »

Posted in Budgeting, Debt Help, Debt Tips, Do-It-Yourself, Other Finance Tips | Comments Off

Holiday Shopping With Your Smartphone

Holiday sales promotions are being thrust upon us sooner this year than ever before with advertising being rolled out weeks before Halloween. Retailers and online merchants are hoping to cash in on $640 billion in holiday spending. More than 10% will be ecommerce sales expected to exceed $60 billion; of that figure, mobile sales areMore »

Posted in Other Finance Tips, Saving $$$ | Comments Off

4 Ways You May be Wasting Your Money

The problem with suggesting that people are wasting money is that most people are oblivious to the fact that they’re spending unwisely. Try writing down a list of ways you’re unintentionally throwing away money and you may be hard pressed to come up with more than a few. That’s because when something becomes a habitMore »

Posted in Budgeting, Other Finance Tips, Saving $$$ | Comments Off

ID Theft Reported Less But Still a Threat

There was a time, not that long ago, when news stories about identity theft were so pervasive that it struck fear in the hearts of most Americans. Self-promoting salesmen used scare tactics to sell security products and the media regularly used the subject to keep you tuned in to the evening news. While the issueMore »

Posted in Credit Help, Credit Reports, Credit Tips, Other Finance Tips | Comments Off

How We (as Americans) Define Success

Individual hopes and dreams comprise the collective notion of the American dream. It’s the idea that by working hard everyone has the potential to succeed and generally includes a list of goals. During the last century, the definition of the American dream would have included home ownership, secure employment, a car and a happy family.More »

Posted in Other Finance Tips, Retirement | Comments Off

How a Good Credit Score Can Save You Money

When it comes to living the American dream, credit matters! Disparaging comments made by some financial experts about the dangers of borrowing money and the suggestion that cash should be used at all times ignores the simple fact that most Americans require credit to buy a house, car or large ticket item. Credit reporting agenciesMore »

Posted in Credit Help, Credit Reports, Credit Scores, Credit Tips | Comments Off

Hidden Energy Savings in Your Home

In today’s modern society we’re forced to deal with the ever rising cost of energy. Drive by the pump on any given day and you can expect to see a rise in gasoline prices. Even with energy efficient lighting and appliances, our electricity bills seem to increase year-after-year. When it comes to our creature comforts,More »

Posted in Saving $$$ | Comments Off

Disclaimer: The content on this website is for educational purposes only and should not considered professional financial advice. References to third party products, services,
rates, and fees may change without notice. Please visit the referenced website for up-to-date information since program terms may change without notice to us or our visitors. In some cases we may receive compensation for financial products or services mentioned on this website. All opinions and views expressed are soley those of the authors.