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Could Your Hobby Help You Earn Extra Income?
A hobby may seem like a costly, time-consuming luxury for some. However, cultivating a special interest or skill could help you earn extra income to set aside toward your debt settlement savings.
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Identity Theft: Safeguard Yourself With These Tips
Our personal information can get into the wrong hands in a variety of ways which could result in identity theft. The good news is that there are things you can do to help prevent thieves from compromising
your identity.
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Overdraft Protection
The term "bounce" or "bouncing" can refer to fun children's games or a cute newborn baby. However, when the word bounce is used to describe a check, negative thoughts may come to mind.
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Credit Report Countdown
Practicing good budget and spending habits now could help you rebuild and maintain a good credit report and score in the future. Here are a few ideas that may help prepare you for takeoff.
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Debt Tips - Internet Crime, Don't Carry Debt, Economy Concerns Young Adults
Heading into the new year, one must remember the sound prinicipals of getting out of debt. A recent Consumer Reports holiday shopping poll revealed that six percent of Americans, approximately 13.5 million consumers, continue to carry debt from last winter's holiday season.
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More Credit Card Holders See New Fees
More and more credit card holders continue to see new fees on their monthly billing statements as credit card debt continues to increase. According to a report by ABC News, a Pew Health Group Safe Credit
Cards Project recently revealed that credit card interest rates went up an average of 20 percent in the first six months of 2009.
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Settling Minds, Settling Debts
Once you make a decision to seek the help of a debt settlement program, you should be prepared to make a solid effort to work in concert with your settlement company. The process may be difficult at
times, but the goal is possible.
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Be Aware of Advertising Terminology
You've probably seen them - television commercials, ranging from five minutes or longer, promoting everything from cosmetics and exercise equipment to cooking utensils and household gadgets. These
infomercials usually feature a persuasive salesperson, hired specifically to get you to spend money.
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Bargaining and Negotiating Might Help You Save Money
Bargaining and negotiating for goods and services isn't a new idea, but it has been gaining popularity among many creative consumers who are thinking outside the box to get a good deal. After all
every little bit helps when saving for a debt settlement negotation.
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Wants Vs. Needs
Understanding the psychology of buying helps us to understand why we make certain selections when purchasing. What is the difference between needing something and wanting something? Our needs are quite
limited; however, the list of things we want could be quite unlimited.
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Unemployment Benefits Could Serve As Your Emergency Fund
It is never too late to prepare yourself in the event of job loss. Unemployment insurance (UI) could serve as your 'emergency fund' until you are hired again. Here are a few tips on what you might expect
from UI if you are eligible.
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Credit Answers Ranks #10 For The Fastest Growing Private Company
Credit Answers was recently named by the Dallas100 as the tenth fastest growing private company in the Dallas Metroplex. The Dallas100 award is an annual event sponsored by the Caruth Institute for
Entrepreneurship and recognizes the top companies and business leaders in the Dallas/Ft Worth Area. This prestigious award is only given to companies that meet a stringent set of standards including
high business ethics.
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Single Parenting On A Budget: A little planning could save you money!
Parenting, although difficult and full of challenges, can be one of the most rewarding and exciting journeys in life. The United States Census Bureau claims that there are about 13 million households in
America where this journey is being experienced by a single parent.
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Online Freebies: Family Fun At Your Fingertips
If you are a budget-conscious online shopper, you've probably seen them before - websites offering free samples of brand name products, printable grocery coupons, discounts and deals on a variety of items.
Online freebie hunting can be fun, but there are a few things that you might want to keep in mind.
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Keeping Your Pet Pals Happy and Healthy Doesn't Have to be Costly
According to a recent survey by the American Pet Products Association (APPA), Americans spent more than $43.2 billion on their pets in 2008. That estimate is expected to increase in 2009 despite the economic
recession.
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Credit Answers Has Been Listed as an Accredited Member of TASC
The Association of Settlement Companies has bestowed Credit Answers with their highest status, accredited membership. Exceeding all standards in the debt settlement industry, Credit Answers stands out as
one of the best settlement firms in the country.
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Choosing Wisely Could Save You Money At Dollar Stores
Stores that sell everything for a dollar or close to it have been part of the shopping landscape for quite a while. But do these stores really offer money-saving solutions for
frugal shoppers? Depending on what you need, you may discover dollar stores really could save you money.
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What Exactly Is Debt Settlement?
Credit Answers, a leading debt settlement provider, located in Plano, TX, wants their clients to understand exactly what debt settlement entails. Debt Settlement, also known as debt negotiation, involves
a personalized plan that effectively enables a debt settlement negotiator to negotiate a compromise with creditors to settle unsecured debts.
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Enjoying Technology On A Budget
Technology is everywhere and our options are endless. It is possible to enjoy the benefits of technology without spending a lot of money. When you see an interesting electronic product or fun gadget, you
may want to take time to think about how necessary that item would be in your daily life.
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Making the Most of a Bad Economy
Much discussion surrounds the issue of the struggling economy. Although the state of the world may look bleak, future positive changes may evolve from this financial crisis. Here are some ideas that may
help give you an optimistic view of the recession.
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California Unveils Pay-As-You Drive Vehicle Insurance
New revised regulations in California will allow insurance companies to give their customers the option to choose a coverage plan that could be paid by the mile. Under the plan, California motorists
would be able to purchase a certain number of miles for a specified time similar to individuals who buy prepaid minutes for their cell phone.
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Make Your Move Smooth and Affordable
Over 42 million Americans (1 in 4 adults) move each year according to moving.com. Whether you're relocating across town or across the country, the tips listed below can help you save money for your debt
settlement plan.
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Creditors Consider Raising Annual Fees, Interest Rates
Although President Barack Obama recently signed a bill geared toward establishing fairer practices by credit agencies, it is not stopping many credit card companies from raising interest rates or
incorporating annual fees before the law goes into effect in February, 2010.
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Saving Money on Auto Insurance
Car insurance is one of the most common bills that most households are required to pay. According to an online insurance marketplace, car insurance is the most widely purchased type of
insurance coverage because automobile drivers are required to have car insurance almost everywhere.
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Hit a Health Care Home Run
Taking care of your health is one of the most important things you can do for yourself. Despite this fact, a recent survey by Kaiser Family Foundation revealed that approximately 53 percent of participants
said they or a family member have cut back or indefinitely put off doctor visits and important health screenings due to costs.
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Financial Tips
A survey of more than 1,000 Americans indicated that people have limited cash for non-essential items. According to Huntington Bank, many consumers are trying their hand at home-cooked meals as an
alternative to dining out. Many of those surveyed claimed that if they do go out to eat, they think economically.
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Make Extra Cash with Yard Sales
Decluttering and selling things that you no longer use can be a great way to earn extra money and boost your reserve account for your debt settlement. In recent years, many consumers have used online
services such as Ebay and Craigslist to sell unwanted and unused items.
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Frugal Fun
Being in debt is a setback, but it doesn't mean that you have to stop enjoying yourself or having fun. If you go back to basics and think outside the box you will discover ways to spend time with
others and uplift your spirits while saving for your debt settlement!
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Financial Tips Throughout The Ages
Our financial goals change at various stages throughout our lives. Below are some helpful tips and services that may help consumers of different age groups reach
thier debt settlement savings goals. Remember that it is never too late or too early to start living a frugal lifestyle.
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Student Loan Program Helps Struggling Borrowers
A much-anticipated Income Based Repayment Program (IBR) could be the answer you've been waiting for if you are a student loan borrower with a relatively high remaining balance on your loans.
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Budget Travel Tips
Summer is here and during this time of year many families travel to various destinations for vacation. If you are planning a family excursion, below are some tips and resources that may help reduce your
travel costs and put money aside toward debt settlement.
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Save on Grocery Shopping
Grocery prices may seem like they are constantly rising, especially with the volatile economy. Food is one aspect of most budgets that usually can be reduced. Summertime is typically a season in which most
people eat less because of the heat. That fact alone may help save money toward your debt settlement on buying food items.
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New Credit Card Laws Favor Consumers
On May 22, President Obama officially signed the CARD Act and the new regulations will take effect in February 2010. This set of laws is a major milestone for the credit card industry and may be
instrumental in ending deceptive practices that affect consumers.
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Debt Settlements = Results
According to The Association of Settlement Companies (TASC), consumers seeking to manage their debt have higher success rates when using credible debt settlement companies rather than credit
counseling services.
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Living Without Available Credit May Be Quite An Adjustment
Although overcoming your dependency on credit cards may be difficult, try to focus on the positive aspects of your financial decision. Look to the future and imagine how
relieved you will feel once you are free from the bonds of debt.
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Clean Your Wallet
Warm weather allows you and your family to complete certain chores and participate in seasonal activities. Throughout your neighborhood, you may see people planting gardens,
washing cars, and children playing in backyards.
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Save Money on Your Cell Phone Bill
Cell phones have become a common gadget in most of our lives. According to CTIA - The Wireless Association, there are now more than 262 million wireless subscribers in the United
States, which includes 83 percent of the total U.S. population and 3.3 billion active cell phones worldwide.
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Financial Job Scams Rise in a Bad Economy
The economy may be slow, but thieves may be using these times to take advantage of unsuspecting individuals. The FDIC wants consumers to be aware of some common job schemes
being reported, followed by tips that may protect you.
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Credit and Car Buying
If your only means of transportation is unreliable and creating costly repair bills, you may make the decision to purchase a different vehicle. Here are some tips that could help
you purchase a reliable car at an affordable price.
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Quick Debt Tips
Keep large bills in your wallet if you want to spend less cash, according to new research from the University of Maryland's Robert H. Smith School of Business. Researchers find
people are more likely to think twice about making a purchase when they carry one large denomination of cash rather than many smaller denominations equal to the same amount of
money.
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Make a Credit Comeback
Once you have completed your debt settlement program, you will be one step closer to financial freedom. At this time, you can begin to re-establish your credit and make a credit
comeback! Although your rating will not improve overnight, consider the following ideas to rebuild your credit.
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Renting Tips
Despite difficult financial times, the National Multi Housing Council reports that the apartment industry is not affected. In fact, affordable rental units will be coming available
as desperate sellers try to rent out units that are just not selling in the current market, according to Bankrate.com, an online financial resource.
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Making Work Pay
The Making Work Pay credit, one of the key tax provisions included in the American Recovery and Reinvestment Act of 2009, will result in more take-home pay for millions of American
workers.
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Frugal Green Tips
Living a green lifestyle will help the environment and put more green in your wallet. Green is a word that refers to so much more than the color of
grass or money. It has become a recent buzzword in modern society that defines products, lifestyles, and tasks that are environmentally conscious. Becoming more "green" usually
involves consuming fewer resources and can result in saving money on typical household expenses.
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Living Longer on Less
According to a recent study from the Senior Economic Security Index, 1 in 3 senior households have no money left over after meeting essential expenses. Seniors experience
financial problems primarily due to the cost of assisted living facilities, medical expenses, housing costs, and dwindling retirement funds.
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Common Questions regarding the Statute of Limitations
The statute of limitations (SOL) is the legal time frame in which debt collectors can file suit on an unpaid debt. SOL varies depending on the type of loan and the state in which
you live. The Credit Infocenter web site gives a description of various account categories.
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Your Debt Documentary
Did you ever imagine what it would be like if cameras filmed you as you overcome your debt problems? Envision creating your own documentary that may help others in the same
situation while saving for debt settlement.
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Can You Lower Your Property Tax
U.S. home prices fell at a fast pace during the end of 2008, according to a study entitled, Home Prices in America. Because of the rapidly declining prices of homes, the
housing market is now undervalued.
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Overcoming Debt Requires Perseverance
Overcoming debt requires perseverance. At this time, the road to debt settlement may see like an endless journey. When you become overwhelmed with the daily struggles of
debt, here are some ideas to keep in mind. more...
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Love and Money
Paypal conducted a recent survey entitled "Can't Buy Me Love." Results indicated that young couples argue over money at least once per month. Here are some tips that may help
newlyweds, fiancées, and couples manage their finances. more...
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Bad Credit Card Habits
As you strive to settle your debts, most of you have made a commitment to rely on cash instead of credit cards. After you complete your debt negotiation program, you will probably
want to re-establish your credit. more...
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Latest Tax Changes
As you prepare your taxes, you may discover several new tax law changes that may help maximize your refund. Jackson Hewitt Tax Service reports that more than 100 new tax law
changes have been passed this year to help individual consumers. more...
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Tips to Save on Household Expenses
According to the U.S. Department of Agriculture, the typical American family spends 15-20% of their household budget on food. Grocery Outlet, a grocery store based in the
western part of the U.S, developed the "$3-a-Day Program". more...
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Rebuilding Your Credit Could Take Some Time
Although rebuilding your credit is an exciting time to focus on the future, it may take as much time as paying off your debt. At first, you may still experience some rejection
and adversity. more...
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Sales Tactics to Tempt You to Spend More
How many times have you walked into a store with the intention of buying only one or two items and left with several bags full of merchandise? This scenario is probably a
common occurrence for most consumers. more...
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New Credit Card Rules
Recently, new rules adopted by the Office of Thrift Supervision will help protect consumers from certain abusive credit card lending practices that can result in excessive fees
and interest rate charges. more...
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Making the Most of a Bad Economy
Much discussion surrounds the issue of the struggling economy. Although the state of the world may look bleak, future positive changes may evolve from this financial
crisis. more...
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Establishing Financial Goals
As the new year begins, you may have thought about making resolutions or setting new financial goals for the upcoming year. Settling debts and achieving financial freedom are
probably some goals that you consider high priorities. more...
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| 2008 Debt Management Articles |
