What Is Your Debt-To-Income Ratio?

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If you don’t know the answer to this question, it’s time to get serious about your finances. A debt-to-income ratio is a key factor in your budgeting methods and if you are not clear on how your money is spent or how much you actually bring home, you will never be able to resist the [...]

How To Get a Credit Card With No Credit History

What do you do when you need to establish your own credit history, but no one wants to give you a credit card or loan you money…because you have no credit history?  Sounds like fun, right?  It can feel like you are chasing your tail when you first enter the world of “Credit.”  It helps, [...]

Credit Cards, Who Needs Them?

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Handing over the plastic has become a habit in the twenty first century. Gone are the days of saving well worn bills and tarnished coins to safely and gratifyingly pay for something. Welcome the days of instant gratification. Are credit cards really necessary?  Building Credit New home owners trying to get loans require some form [...]

Life After Bankruptcy

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Eliminating debt is on the forefront of everyone’s mind these days. There are dozens of different strategies and methods of debt elimination you can try, however only one strikes fear in the hearts of most consumers- bankruptcy. Known as the last resort, the final option, the “worst case scenario”, bankruptcy today is much different than [...]

Money Management Tips For 2010

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People who have wrestled with long standing debt often find themselves facing an unsure future once that debt has been paid off. The reason for this dilemma is the fact that most people who have been dealing with debt for months or even years have no idea what to do with that “extra” cash that [...]

Yes, Debt Consolidation Will Affect Your Credit Score

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It used to be that debt was a hush-hush subject that no one liked to talk about aloud. However, in light of the recent economic instability and the surge of consumers losing their jobs, homes, and life savings, it’s no longer a taboo subject. Debt is discussed and is a much sought-after subject and affects [...]

How You Can Negotiate Lower Interest Rates on Your Credit Card

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There are billions of dollars in fees and interest charges generated every year for credit card companies but those same fees are costing you hundreds of dollars or more as the owner of a credit card. As the competition becomes even more fierce among credit card companies, there is more incentive for your credit card [...]