If you have a lot of credit card debts and you are struggling to make the payments each month, you probably wish that you could just snap your fingers and make it disappear. The idea of eliminating debts without paying any money sounds great, but it’s not realistic, is it? Well actually, you may be able to clear your debt without paying the full amount and, in some cases, you might not have to pay … [Read more...] about Can You Eliminate Debt Without Paying It Back?
The average person has a credit card debt of over $6000. That’s a pretty scary number and it might put you off the idea of using credit cards at all. It’s so easy to get yourself into a cycle of debt if you’re using credit cards all the time, but that only happens if you’re using them wrong. The truth is, credit cards can actually be a good way to manage your finances if you know what you’re … [Read more...] about How To Use Credit Cards Without Ruining Your Finances
Unpaid credit card debt can hang over your head and feel like a constant burden. High interest rates may also cause you to feel as though it's difficult to dig your way out of debt. One potential solution for this financial situation is a credit card balance transfer. If you're disciplined in making on-time payments, this strategy can help you pay down your debt faster. Explore the following four … [Read more...] about 4 Times You Should Transfer Your Credit Card Balance
Are you still struggling to find a New Year’s resolution that you will actually keep and that will actually benefit your life? Then why not make this the year where you get out of debt? Or at the very least, you can get it under control and work out a manageable plan to get out from under the harrowing weight of debt and stress. The average household has a debt which sits upwards of £12,800 in the … [Read more...] about Get Debt Free This Year
With Christmas right around the corner, you’ve probably started to buy the presents, food, and everything else, or will start at some point this week. Around Christmas time, lots of people choose to apply for credit cards to cover the extra expense of the holiday. It’s probably too late to apply for a credit card this year, but if you’ve already got one, then why not use it to pay for your … [Read more...] about Great Reasons To Shop With Your Credit Card This Christmas
“If I only knew then what I know now.” This statement is especially true when it comes to credit. Do you remember getting your first credit card? Did it feel like a license to spend money you didn’t have? Then before you know it, the rude awakening arrives in the mail: the credit card bill, with interest and penalties. Here’s how to ensure your teens don’t fall into the same trap. Welcome to … [Read more...] about Teaching Teens to be Financially Streetwise
Are you in debt? You can improve your finances with a little bit of hard work. Engage In Research Prior to going after a loan, you need to do some research. Figure out what your debt coverage ratio is before you do anything else. That can help you figure out whether you have the resources to pay the loan back or not. In addition, the debt coverage ratio will be examined by the lenders and will … [Read more...] about Improve Your Finances Today: Get Your Debt Under Control
Families today are burdened with serious financial challenges. How do you save enough for a rainy day? How do you help send your kids to college? And, what about your retirement? Here are a few smart ways to overcome common modern money problems. When You Don’t Have Enough Income This is a tough one, because there’s not a lot you can do to force your employer to give you more. Even business … [Read more...] about Families Today: Simple Smart Strategies for Solving Modern Money Problems
We hear a lot about credit scores, but how important are they? There must be a reason for all the talk that we hear about credit scores. But, the truth is, many people don’t even realize what is being referred to when we talk about credit scores. It can affect all sorts of things, so read on if you want to find out about how your credit score could affect your life. You can only make the right … [Read more...] about Is Having a Good Credit Score Really Important?