Mortgage debt is often considered "good" debt, however that doesn't mean you shouldn't pay it off early. Good debt is still debt, therefore improving your personal finances includes knowing how to handle your mortgage debt. If you want to save money over the life of the loan, making bi-weekly payments might be the way to go. What are bi-weekly payments? As the name suggests, bi-weekly payments are simply payments that are made every two weeks. Typically, mortgage payments are scheduled … Continue Reading
The recent economic depression has pushed millions of people into a deep and dark financial hole. In their quest to get out of debt, people often resort to debt relief programs. Debt settlement and bankruptcy are two of the more popular programs, but people often get confused when it comes to choosing … Continue Reading
If you are a senior, aged at least 62, then you are eligible for a reverse mortgage, but you are probably still wondering, “How does a reverse mortgage work?” They are not quite as complicated as you may think. They are, in fact, a low interest loan that utilizes the equity in your home as collateral. … Continue Reading
During the debt settlement negotiation process, a letter requesting a lump sum settlement may be one of the best ways to successfully land a settlement on your credit card debt. Most credit card companies are more willing to accept a lump sum because they know that they'll get paid at least some of … Continue Reading
So many families are lamenting the recent recession, struggling with job loss, and feel powerless over debt. Frugality is no longer a word that carries the stigma it used to because more people have no choice but to change their ways. However, not everyone is taking the positive route to change their … Continue Reading
It seems like everyone is trying to get a handle on their budget and figure out a way to really maximize every dollar they earn. The money we earn has a permanent front seat in our thoughts, and rightly so! When I was researching the best online budgeting tools, it seemed a bit counter-intuitive … Continue Reading
A bad credit history can really jeopardize your financial future because you might find it exceedingly difficult to secure a loan when you really need it. Having poor credit does not make you a terrible person; it simply means that you may be suffering the consequences of either poor decisions or unfortunate … Continue Reading
If you are afraid to look outside of the box let alone step outside of it, you may not find much success in living a more frugal lifestyle. With frugality comes change and if you are not willing to make that change, it will be hard to successfully eliminate debt. Frugal used to carry a stigma and … Continue Reading
Who are TASC and the FTC? At first glance The Association of Settlement Companies (TASC) and the Federal Trade Commission (FTC) might seem to be natural opponents but this does not have to be the case. TASC is a body that represents the interests of all its member settlement companies but it also … Continue Reading
Credit cards can be an excellent tool when used responsibly. One example of this is when you are traveling for either business or pleasure. It is important in this rocky economy to understand how to manage your finances, including your credit in a way that will help you save money and improve your … Continue Reading
The rate of foreclosures continue to climb despite government efforts to provide homeowners with help to stay in their homes. You need only pick up a newspaper or surf the Internet to find hundreds if not thousands of stories with the same theme. Struggling homeowners who are fearful of losing their … Continue Reading
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