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How NOT to become a victim of identity theft

Identity theft is everywhere. It can take the form of someone purchasing an item using your credit card number, applying for credit in your name, or impersonating you when pulled over by a police officer. It is not hard to see why. Think about how many times you are asked to give out your social security number (SSN). In addition to your creditors such as the mortgage and credit card companies, your... [Read more]

Changes in bankruptcy laws

Sometimes people’s spending gets out of control and they are left with no option but to file for bankruptcy. Others face a terrible run of bad luck that leaves them unable to pay their bills. Whatever the reason, many people have looked towards bankruptcy as a way out from under the debt that is crushing them. The laws regulating bankruptcy have gone through dramatic changes recently. The Bankruptcy... [Read more]

Dealing with Identity Theft

One of the biggest challenges we face in this new age if technology and instant communication is identity theft. Unscrupulous people are always trying to get your name, your social security number and your birthday. Once they have that information they can apply for credit under your name. Other identity thefts will even try to get your bank account information and PIN number or your credit card information... [Read more]

How to tell if you need debt help

Sometimes you don’t even know that you have a debt problem. You are living like you always have, so you don’t know that it is wrong. Here are 9 indicators that you may have a debt problem. 1. Your new charges are consistently bigger than your payments. You might not even remember the last time that you paid more than you charged. This obviously means that your debt is just getting deeper. 2.... [Read more]

Improve your credit score quickly

Are you looking to get a loan or a new credit card but having troubles qualifying because of a bad credit score? You are not alone. Thankfully, there are a lot of things you can do to help increase your score. By doing this you can improve your score, which will allow you to qualify for more loans and to pay lower interest rates for the loans you do get. None of the actions we are listing are miracle... [Read more]

Saving money on your home office

Starting a business is a way that many people choose to make a living or to make extra money to pay bills or help with savings. It can be a very lucrative and enjoyable decision if it is done properly, but it is important to avoid the start-up expenses which doom many small businesses before they start. if you are spending too much getting your business going then you are just building up more debt... [Read more]

Know your credit card statement

Every month your credit card company sends you a statement. If you are like most people you take a quick glance at it and then toss it into a pile where it will be ignored for a while, or maybe never looked at again. There is all sorts of valuable information contained in your credit card statement if you know where to look for it and understand what it means. The first section to pay attention is... [Read more]

Balancing your checkbook

Just the thought of balancing your checkbook is enough to scare many people off. If people don’t know how to do it, it sounds too hard and too scary, so people don’t even try. But by not balancing your checkbook each month you are missing out on the ability to keep track of your finances and avoid spending money you don’t have and ending up in debt. Luckily, if you are one of those... [Read more]

Some myths about personal finance

Since everyone is involved in personal finance, it is inevitable that the world is full of myths and mistruths about personal finance. So many people are looking for an easy angle and a way to avoid the responsibility of dealing with their finances. Let’s take a look at some common myths and see how true they really are (hint - not very true at all). 1. I’m not 18 yet, so they can’t... [Read more]

6 steps to take before bankruptcy

You may feel like you are in a financial hole so deep that you will never get out. Bankruptcy might look like the only way to solve your problems and get a fresh start. It’s not that easy, though. New laws that just came into effect have made it much harder for you to get a discharge of your personal debts through bankruptcy. That doesn’t mean that your situation is hopeless. The first... [Read more]

Finding extra cash

I have never heard anyone ever say that they have too much money. No one has too much cash around. Everyone could use a few extra dollars to pay some bills, add to their savings or take a vacation. The problem, then, is finding the money that you need. When people are looking for money they often miss the solutions that are right in front of them, looking instead for grand and complicated solutions.... [Read more]

Negotiate with your creditors

Sometimes people get into all kinds of financial trouble and don’t know what to do about it, but they never think of the most obvious solution. If you owed money to a friend and needed a bit more time to pay them back you would just talk to them, but people rarely take the same step with a formal creditor like a bank or credit card company. Sure, those creditors want to get paid back on time,... [Read more]

How a single parent can financially protect their family

A single parent is under tremendous and unique challenges when it comes to raising a family. They only have one income and they only have themselves to rely upon, so the potential for stress is huge. The best way to deal with this stress is to manage it. Here are 5 tips to better help a single parent deal with the stress of having to financially protect their family. 1. Have cash in the bank - As it... [Read more]

Saving and budgeting

We have all heard all sorts of advice about saving and budgeting. Experts tell us what we should be doing and how we should be doing it the best way. Family members tell us what we should be doing and how we should be doing it. Friends who seem to be doing better financially than we are will tell us how they have do in and what has worked for them. We should save more. We should save less. We should... [Read more]

Compounding interest

Most people don’t think too much about interest rates. They know that they are a number and the know that a lower one is better than a higher one, but they don’t take the time to think about what they really mean, or what the impact of them is on your finances. Our loans and credit cards all have interest rates attached to them and a small difference in the rates can make a huge difference... [Read more]

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