Browsing CategoryMoney

credit card

It’s very easy to get overwhelmed and make mistakes when you first get a credit card. The feeling of having so much available credit at our fingertips makes us make some foolish and unnecessary mistakes. But it is possible to avoid this fate if you pay attention, follow the guidelines we’re about to share, and avoid racking up major credit card debt. For many Americans, we have this free spending mentality that often gets us in trouble. Unfortunately, when you’re willing to buy anything on a credit card, you’re going to pay outrageous interest as well as the original balance.…

There are some topics in life that many of us wish to avoid and if we were to draw on a couple of clichés two of life’s certainties would definitely pop up at this stage; death and taxes. Well, as the title has probably all but given away, we’re going to hone in on the former today. That’s right, let’s talk about death, or specifically what happens immediately afterwards. Once upon a time it wasn’t nearly as significant as it was now. We’re not talking about the process of dying, but rather the immediate funeral afterwards. Funeral costs were relatively…

Are you trying to determine if credit card debt consolidation is the best choice for your personal situation? As with anything in this life, there are upsides and downsides to consolidating your credit card debt. To help you determine if this is the best choice, we’re going to share the pros and cons of consolidating credit card debt. So take a look and see if this is the best course of action to meet your specific needs. Credit Card Debt Consolidation Pros Eliminate Multiple Monthly Credit Card Payments and Roll Them into One Unfortunately, some people are just so disorganized…

Are you a consumer who is not able to get away from salespeople no matter how hard you try? If so, you are likely one of the many frustrated individuals nationwide. You try and do things such as: Not give your phone or mailing address out Avoid signing up for countless credit cards Getting on the National Do Not Call Registry Despite those efforts, you still find yourself besieged by salespeople wherever you turn. The above-mentioned tactics (and some others) should help you cut down on sales efforts. So, are you ready to rid yourself of persistent salespeople? Take Steps…

Creating a budget plan is the first step to successfully getting out of debt and planning a strong financial future. However, making an effective budget and sticking to it isn’t always as easy as it sounds. Here are seven free online budgeting courses that can start you down the right path. Budgeting 101 (Credit.org) Created by the nonprofit financial literacy organization Credit.org, Budgeting 101 is a free online budgeting class that you can take at your leisure. First, you’ll take a pre-quiz that measures your current knowledge level about budgeting, then you’ll take interactive classes on tracking spending, calculating income,…

Easier Said Than Done Debt is a scourge that can take over your life and leave you with essentially nothing in return—nothing but lost time and bitterness. But it’s not a scourge that is totally undefeatable; it just may take a little concerted effort to rebuff. To that end, you need to know how you got where you are, what you owe, and how to get out. First, focus on how you got where you are. Is the debt you’re responsible for debt you’ve inherited, or debt you’ve sourced? Some debts pass a statute of limitations, and you may not…

Yoga is a great way to achieve inner peace and a clear mind. But it can be expensive to take classes and buy your equipment when you first get started. I love yoga and have been doing it for years. I seem to spend a lot of money on my hobby, especially on the weekly classes. In recent times, I’ve found it more and more difficult to pay for everything in my life. And then a yoga partner showed me a way how I could save money with my day-to-day purchases. How I Make Savings and How You Can Too:…

A lot of people find it far too complex to purchase so called “distressed” real estate. This is because this type of real estate is not the type you buy to move into with your family. Rather, you need to have a strong composure and a lot of imagination. But, if you want to make it in the real estate industry, then you need to have those things anyway. Now, interestingly, distressed properties are particularly popular with nonprofit companies, who buy and sell them for a profit to further their cause. For this, however, they need a broker. Many brokers,…