The golden rule of finance management is a budget. Without one, you can be clueless to how much money is coming in and going out. You can easily overspend, under-save, and be completely unprepared for the slightest emergency. If you are not budgeting, you need to ask yourself why. Chances are pretty good you are [...]
Bankruptcy is the last straw for consumers facing monumental debt. Those who must go through the bankruptcy process often feel beaten and confused about the past, the present, and what will happen in the future. Most already know their credit will be ruined for several years and many worry about history repeating itself when all [...]
If you have been battling with your bank about a home loan modification because you are having trouble meeting your monthly mortgage obligation, it may be time to seek the independent counseling of someone in the know. Home loan modifications are not easy processes and a wrong move on your part can leave you being [...]
Deciding when you need help with debt is an individual decision. It will depend on how your debt is affecting you and your family. Some debt can be healthy. Mortgages, credit cards and student loans are all considered healthy debt if they are paid on schedule. A good dose of outstanding balances is not necessarily [...]
Managing your money seems simple in concept, but all of those numbers and figures coming at you month after month can be a draining task if you are doing it manually. For some, balancing the checkbook or doing a simple monthly budget is not high on the list of things to do and therefore a [...]
Money is a topic that affects all of us – whether you have too little or more than enough, money will affect your entire life. It seems experts recommend we are supposed to do a lot of things with our money. We are to be saving for retirement and the kids’ college education. We are [...]
Besides a home, a vehicle purchase can be one of the largest expenses you will incur. Many people make the mistake of showing up at the car lot and knowing nothing about what they want, how much they can spend, or how they will finance the purchase. These actions will not only lead to a [...]
In order to find financial freedom and truly leave debt behind, you have to change more than your money plans. You literally have to change your money habits by changing how you think. In order to be successful, you first need to be ready and willing to change. While finances are about money, it is [...]
There are a lot of options available when it comes to health insurance but as more families are tightening the belt strings just to survive, they are making costly mistakes in the health insurance arena. It may seem like a good expense to cut out when everyone is healthy but that kind of thinking can [...]
A cool economy and hot movie sales went well together last year as Americans found ways to temporarily escape the financial down turn and mounting job losses. According to a report released by Adams Media Research, Americans spent $9.87 billion going to the movies in 2009. Many of these movies were nominated by the Hollywood [...]
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