With today’s economy, it may seem tempting to stop contributing to your 401k, especially if you need extra cash in each paycheck.  Don’t do it!!  Although it may be nice to have a few extra dollars in each check, you should continue to think about the future.  When you retire, beyond Social Security, you will [...]

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Believe it or not, your credit score and your insurance premium are related.  Many insurance companies use their client’s credit score to calculate their premium rate.  Although it does not seem fair, and is very sneaky for the insurance companies to do this with out informing their policy holder, it happens.
What can you do about [...]

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Getting out of debt is never easy.  It is a long road that many people have gone down, many successfully coming out on the other side where they saw “debt freedom”.  If you’re like many Americans you long to be on the other side.  The first step in getting there is deciding that you are [...]

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The quickest way to pay off debt is quite simple, as simple as 1, 2, 3 in fact.  Here’s how you do it.
1.  Stop using your credit cards. How will you ever get ahead if you’re still charging, interest continues to rack up and your payments are only going to what you’re adding to [...]

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The thing about getting out of debt is this, you’ve got to want it bad.  Getting out of debt is NOT easy.  It can take years, and it can take patience.  It also takes having a plan.  You cannot expect to get out of debt while living the same life style and continuing with the [...]

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One of the most important parts of managing your debt and keeping your credit score clean is to pay on time.  I know that this can be difficult for those living on a fixed budget especially if your bills and debt far out weights your income.  However, one of the first steps to getting back [...]

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I find that one of the best ways to keep within your budget, and stay out of debt is to live by the old saying, “If you don’t have it, don’t spend it”.  That simply means that if you do not have the cash on hand to make a purchase, then [...]

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To consolidate or not to consolidate that is the question.  Just today, I got a debt consolidation offer in the mail.  Basically, I could take all of my unsecured debt, mainly credit cards and I could consolidate them into one account and make one payment.  The debt consolidation company of course says this payment would [...]

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Are you still convinced that credit cards are necessary, or even essential? The new legislation and response from credit card companies may help you change your mind. This new legislation will place heavy restrictions on credit card companies when it comes to raising the interest rates of those who carry a balance from [...]

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If you are in debt to your eyeballs one of the top tips to getting out of debt and out of debt quickly is to increase one’s income.  In order to do so you may need to get a 2nd job.  The following are some places to look for extra or temporary work that can [...]

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