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Category Archives: Debt Tips

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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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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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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5 Ways to Cut Waste and Reduce Expenses

Working to make life better on a limited income can be a frustrating and a seemingly hopeless task, especially when you’ve done everything possible to reduce household expenses. Perhaps you’ve reached a point where you’re following a bare bones budget and have limited your lifestyle to the absolute essentials. Living this way may lower yourMore »

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Another Article About Dealing With Debt…

Dealing with debt… it’s a never-ending topic of discussion. The Internet is overflowing with information, but it’s not exactly the most exciting or interesting subject to talk about. Unfortunately, it’s an issue that millions of Americans deal with, and it just so happens that IT’S THE FOCUS OF OUR BLOG. Often considered a sign ofMore »

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Six Fun & Affordable Summer Vacation Ideas

Spring is officially underway… and if you’re anything like me, you’ll use every excuse in the book to get outside and enjoy the beautiful weather!  The sunshine is a great motivational tool, making it the perfect time to spruce up the yard and take care of household projects.  It isn’t until the dust settles andMore »

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Lower Your Debt with Personal Sequestration

With all of the news coverage about the federal deficit and the impact it has on the economy, ‘sequester’ has become a commonly used term in the media. The word means to ‘set apart’ or ‘segregate’ and describes the law of sequestration that was recently implemented; mandating cuts to defense and domestic spending. It cameMore »

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