Starting out any new year is always a good time for making commitments and resolutions. Many times we are successful, and at other times not so much. But it is important to keep trying to reach the desired goal. For example, if you are in debt, even if it is a little debt and struggling… Read More
Setting a Plan: How to Get Out of Debt
Setting a Plan to Eliminate Debt Whether you’re starting a diet, exercise routine or a strategy to eliminate personal debt – the plan is the easy part. Following the plan, not so much. It takes commitment and discipline to become debt free, but the reward is well worth it. Being debt free will allow you… Read More
Am I Financially Fit?: Debt-to-Income Ratio
Debt-to-income ratio, also known as: High School Math Class, Revisited People often want more house than they can afford, more car than they can afford, more things than they can afford. Perhaps it’s just human nature to stretch your budget. In our consumer-oriented society, there are a lot of forces telling you to buy a… Read More
How to Get Out of Debt with a Home Equity Line of Credit
Are you trying to make a big life change but need a little financial help? With all the financing choices out there, it can be challenging to find the right loan or credit option for your situation.
6 Ways to Avoid Medical Debt Collection
Life can be difficult when a loved one or we are ill and medical bills start to arrive. This becomes a very stressful time and can cause financial distress. One thing we have to do when medical bills start to pile up is become our own advocate. We need to take control of the situation… Read More
9 Ways to Pay off Debt Without Credit Cards
Today, many of us are living paycheck to paycheck because of financial situations that happen beyond our control. Someone in our household loses a job, becomes ill, or experiences other hardships like death or divorce. Whatever your life situation, when the bills start to pile up…it’s easy to turn toward one or many of the… Read More
Should I Use a Personal Loan to Pay off Credit Card Debt?
Credit cards have become a way of purchasing today. We all use credit cards to buy now and pay later. When credit card debt begins to pile up, it might be better to pay off the credit card debt with a personal loan. Here are four reasons to get a personal loan to pay off credit… Read More
7 Ways to Avoid Holiday Credit Card Debt
As the holidays bustle in, so does the joy of the season. Make sure to keep the joyous part of the season alive by reducing your stress and managing your holiday spending. The best place to start is by putting away the credit cards. Nothing can take the joy out of the season more than… Read More
How Does Unsecured Debt Affect My Credit Score?
If you’re wondering how unsecured debt affects your credit score, the first thing to know is that any debt can affect your credit score. If you always make your payments on time – it will affect your score in a positive way. And if you miss some of your payments or do not make them on… Read More