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Category Archives: Debt Help

Debt Negotiation & How It Can Benefit You

I’m often surprised when people with personal debt problems seek out expensive debt reduction services as a first step. This is because there are some highly effective debt negotiation services out there which you can do yourself at a relatively low cost. Let me explain. Let’s say your debt has become unmanageable. There could be manyMore »

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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 »

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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 »

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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 »

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5 Personality Traits of The Rich & Successful

Why is one person able to live debt-free while another is constantly worrying about how to pay their creditors? Generally, as with any group, debt-free consumers have a lot in common. In fact, they share many of the same personality traits as the rich and successful. If you want to be debt-free, learning these qualitiesMore »

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Are You Compromising Your Financial Future?

You don’t need a crystal ball or a psychic to predict what the future holds for your finances. It’s easy to determine RIGHT NOW by evaluating how you handle responsibility and manage your day-to-day life. If you’re undisciplined, afraid of change or satisfied with the status quo, chances are you’re destined for disappointment. If, however,More »

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A Financial Foundation for College Students

Here’s something many college students may not know – money management during your college years has a direct impact on your employment opportunities after college. No matter how high your GPA is, potential employers will pass you by for another job candidate, if you have a dismal credit history. And it’s not just about excessMore »

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10 Things You Should ALWAYS Buy Used

If you’re struggling with debt, or just trying to save a little money, buying used or refurbished merchandise is an easy way to put some extra cash in your pocket. In many cases, you can find gently used items that are as-good-as-new – or buy refurbished goods directly from the manufacturer at heavily reduced prices.More »

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Protect Your Social Security from Bill Collectors

If you’re like most Americans, you’ve made detailed plans to work and save until you retire, ensuring a comfortable and secure retirement. However, your plans can be cut short by a job elimination or company downsizing and you may be left with a smaller benefit package and fewer opportunities to invest and save. Many peopleMore »

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Ladies… Do You Really Need More Clothing?

Hey ladies! Do ever you wonder why your credit card is maxed out? Have you even considered the amount of money you spend to stay in-style and look good? While it’s impossible to provide an exact dollar amount, the average American woman spends 5% of her income on clothes. Projections for the clothing industry inMore »

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