Budget

Sticking to a budget can be overwhelming. But if you learn how to manage your money, with budgets, payment plans, personal finance software and other money saving tips, you will be able to keep your debt under control. This category has information about budgeting techniques and strategies that will help you with your personal finances.


Merged Or Separate?

August 17, 2010

Seem to recall hearing some advice from the eminent TV doctor, Dr. Phil, for married couples to keep their finances separate. Okay. But what about the shared goals? Buying a house? Buying a car? Making babies? Well, yes, that may be a different subject altogether but if you think those babies are completely priceless, call [...]

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Small Business Loan Setback

August 9, 2010

At least part of the problem with the current recession is the fact that right now it is next to impossible for small businesses to borrow money. And many small businesses are ready, able and willing to expand, if they just had the money to help them get started. If small businesses were able to [...]

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Need A Big House? Price Cuts On Mega-McMansions

July 22, 2010

Need a big house, a really, really big house? Apparently inventory for the biggest of the big houses is at an all-time high. Right now there are 6610 listings of homes over 10,000 sf for sale on Realtor.com. And the prices are coming down. What used to be $85 million is now just $72 million [...]

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Credit Score Facts

July 16, 2010

Some surprising and important facts about credit scores… · Your income level does not affect your score. Never. Income level is completely irrelevant when it comes to your credit score. But….on most purchases your income level will affect whether you can qualify or not. Most lenders will take into consideration many factors including your credit [...]

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Advantages and Disadvantages Of Getting A New Credit Card

May 12, 2010

If you need to improve your credit score you may consider adding in a new credit card. Or not. There are actually some advantages and disadvantages. Either way if you add in a new credit card you must be responsible with it or it can have detrimental effects. First off, when you apply for a [...]

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Limits On Credit Card Penalty Fees?

March 4, 2010

Have you ever made a small mistake with your credit card, for example, being late on a $20.00 minimum payment, and then to make matters worse the bank hits you with a $39.00 late fee? Excessive late fees have long been a common consumer complaint. But on Wednesday of this week, the Federal Reserve proposed [...]

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Valuable Information To Increase Your Credit Score

February 19, 2010

Most people know just how important a high credit score can be for a strong financial situation but the majority of people do not know all of the factors that are taken into consideration when determining a credit score. A credit score takes a variety of different statistics regarding your finances and compiles them together [...]

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Credit Repair And Late Payments Vs. Bankruptcy

February 18, 2010

Many people who are in a negative financial situation may not want to consider a bankruptcy because of the negative stigma associated with it. However, if you can no longer make your regular payments and you are in a downward spiral, bankruptcy may possibly be the best solution because it allows you to begin anew. [...]

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FHA Issues New Home Ownership Guidelines

January 21, 2010

The Federal Housing Administration has long had the mission to help first time homebuyers and others who may not be able to qualify for a conventional mortgage. Right now you would likely need to have a down payment of 10 to 20% in order to qualify for a typical conventional mortgage. Before the mortgage crisis, [...]

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Why You Should Dispute Bad Credit

January 21, 2010

As young adults, we are taught many things. But one lesson most of us are not taught is something that will ultimately affect our entire lives. Unless we learn the importance of earning and maintaining a good credit score, life can end up really hard. Not all bad credit marks are necessarily your fault though. [...]

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