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Credit & Debt

How to Build Credit — The Debt-Free Way

I made the decision that I no longer wanted debt to be a part of my life. Living a debt free life doesn't mean that I don't know the importance of having a good credit score.   Can you sustain or build a good credit score without debt?   Misconceptions abound when it...

How to avoid debt this holiday season

For some this is a wonderful time of the year. But all the gift-giving, and entertainment associated with the holidays can also bury some in debt.   Have you made it your goal to stay out of debt this holiday season? Or are you already calling your credit card...

Avoid overspending on Black Friday

The holiday season is nearly upon us. Which means you can expect to be bombarded by advertisements. Black Friday is no different.   Holiday shopping is stressful — fighting crowds. Picking the right gifts and finding good deals can be exhausting.   But for many, the...

Steps to recover from Financial Disaster

STOP! Take a look around you. The debt. The stress. The mess. The fear. The hopelessness.   Own it. This is your life right now.   The choices that you’ve made up to this very moment have created this. I know what that feels like because I was you. I wasted money and...

Steps to avoid a Personal Financial Crisis

A personal financial crisis can come from many things. A lost job, a divorce, bankruptcy, a sudden medical emergency. Or any situation in which your financial security crumbles beneath you. Regardless of the cause, the consequences are often similar. Emotional stress,...

How to pay off your student loans early

So how do you pay off your student loans early? It is very common to graduate with student loans. Many people carry the student loan debt with them, even when they do not have any other debt. But that student loan debt may be hurting you.   How will you feel when you...

How to pay off your Credit Card Debt fast

Remember getting your first credit card? Super excited as you open the envelop and think about all the things you can now get. Looking at the balance on your statement, doesn’t look so great now - right? What would your life look like if you didn’t have any credit...

Creating a Plan to pay off Debt

Creating a plan to pay off debt doesn’t have to be too complicated. It’s a matter of sitting down and focusing. It takes less time than you might think. What could you do if you didn’t have a single debt payment in the world? That’s right—no student loans, car...

How to pay off your Home loan faster!

Sick of making home loan payments? They can be a huge drain on your budget, especially if your bond is eating up a large part of your income. Not to mention all the interest you're paying on the loan over 20 years. A home loan is one of the cheapest ways to borrow...

Is your Credit Score important?

  Can you prove that you know what you’re doing and can be trusted with money? Your credit score tells people how much you owe and whether you are over extended. It tells them whether you are a good payer of your debts and whether you pay on time and the right...

Should I or shouldn’t I borrow money?

  Anytime you borrow money, finance a purchase, or take out a loan, you should carefully consider if it is the right decision for you. Borrowing money means that you are committing to pay the money back within a certain time frame and at a certain interest rate....

How to get out of debt

“Spend less than you earn and stay away from consumer debt”. Whilst this is  something we all need to learn and apply, when you find yourself in a big hole of consumer debt it is about as useful as being told to “mind the hole” after you have fallen into it.There also...

Do you have too much Debt?

  Do you want to have a new car, a new home, luxury vacations, a great wardrobe, a big screen TV and maybe some nice toys or expensive jewelry? Who doesn't? There's nothing wrong with having these things as long as you can afford them. But what if you want them...

How to conquer your Debt

Dear Reader, When it comes to financial fears, debt is the ultimate four letter word. Whether you have credit card debt, or student loan debt, or want to buy a home or a car that you will finance, you’re dealing with debt. Or more to the point, it’s probably throwing...

How to manage your debt

Dear Reader, The best rule of thumb for managing debt is an easy one: Don’t spend more than you earn. It sounds simple. But considering the multitude of options out there — from credit cards to personal loans — it's also possible to lose track of how much you owe and...

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