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| Credit Answers > Debt Management Articles Site Map |
Credit Answers Debt Management Articles Site Map
Recent Grads Face Bleak Economy
Recently, many young adults have graduated from college and are getting ready to make the transition from college life to the "real world."
Summertime Tips to Keep Cool & Save Money
As the temperature rises during the summer months, air conditioners unleash comfortable cool air, soothing people from the scorching heat.
Frugal Living Encompasses Many Concepts
When it came time to manage your debt, people that you encountered or articles that you read may have advised you to become more "frugal."
Spare Change: News, financial tips, and other information regarding personal financial freedom.
High gas prices affect summer plans. According to a survey conducted by Zogby International, Americans are rethinking their summer vacation plans as well as their general philosophies toward financial planning during this trying time.
Overdraft Protection: Good or Bad?
Let's face it. Most of us have inadvertently miscalculated our checking account or forgotten about an automatic deduction.
Inspiring Thoughts Daily Stress
At this time, the idea of your debt may consume every one of your thoughts and emotions.
It Pays to Stay Healthy
Many Americans aspire to lose weight by following fad diets or buying gimmicks that promise unrealistic results.
Save Money at Resale Shops
Many consumers know that you can find good deals on pre-owned items at flea markets, Ebay, Craigslist, and various classified ads.
Renting Tips
Despite difficult financial times, the National Multi Housing Council reports that the apartment industry is not affected.
C.A.R.D. Act Benefits Consumers
At this point, you may realize how burdensome credit card debt can affect your finances.
Spare Change
According to a recent survey from Consumer Reports, U.S. consumers lost almost $8.5 billion over the last two years to viruses, spyware, and phishing schemes.
Inspiring Thoughts Self Decipline
You have probably heard the saying, "Good things come to those who wait." This piece of inspirational advice could relate to your current debt situation.
Thrifty Organizational Ideas
Disorganization may cause additional stress in your life. It may also affect your finances. According to the National Association of Professional Organizers (NAPO).
Frugal Do-It-Yourself
The phrase "do-it-yourself" or DIY mostly refers to home improvement or craft projects.
Do You Have a Credit Card Emergency?
When you received a new credit card, you might have thought that you would only use it for emergencies.
Do You Have a Spending Personality?
Many people have a primary spending personality that may affect how they use money. J. Grady Cash wrote a book entitled Seven Deadly Money Mistakes.
Children & Commercialism
Watching television commercials may seem like a harmless activity for children. However, companies use commercial spots and other advertising methods.
Sales tactics to make you spend more with credit
As you strive to save for your debt settlement, most of you have made a commitment to rely on cash instead of credit cards.
Staying Healthy is Worth the Money
Politicians and news reporters often discuss the rising cost of health insurance, a nationwide problem that affects many consumers.
Benefits of Shopping Online
The survey shows that difficult economic conditions are a factor in the Internet's continued growth.
Making the Most of Gift Cards
In recent years, gift cards have become a popular present among gift-givers. The National Retail Federation (NRF) estimates that gift card sales will total $26.3 billion.
Overcome Common Financial Hurdles
During the course of your life, you will probably experience some sort of unexpected incident or emergency.
Banks Reduce Credit Limits
Recent news indicates that credit card companies may be reducing credit limits on consumer accounts in response to the troubling economy.
Debt Management Tips
A recent Consumer Reports study of owner costs shows that choosing a reliable three-year-old car instead of a new one can save drivers thousands of dollars.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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?
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.
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.
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.
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.
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.
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.
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.
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 Dallas100 Ranks Credit Answers #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.
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.
Wants Vs. Needs
Understanding the psychology of buying helps us to understand why we make certain selections when purchasing.
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.
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.
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.
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.
Debt Tips - Internet Crime, Don't Carry Debt, Economy Concerns Young Adults
A report released by AARP indicates that older adults aren't the only Americans concerned about the economy.
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.
Overdraft Protection
Most of us have inadvertently miscalculated our checking account or forgotten about an automatic deduction.
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.
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.
Lose Your Debt Weight: Try A Cash-Only Diet
Cash-only, or cash-mostly, spending may be a good practice to incorporate into your budget. A recent report found that consumers could save 12 to 18 percent of their income if they primarily used cash.
Get It Together: Tackle Tax Filing Stress Today
Early organization can help you avoid last-minute panic and costly mistakes when preparing your taxes for the April 15 deadline.
With A Little Creativity, Dates Can Be Fun and Inexpensive
When it comes to dating, using a little creativity might help you save money toward your debt settlement savings and have more fun.
Shop Smart Grocery Strategies
Never Shop Without A List. Make your list according to weekly specials. Without a list, you will be much more influenced by marketing strategies.
Transition Budget
Various financial challenges face military families and individuals while saving for their debt settlement negotiation. Whether you are currently serving or have recently reentered civilian life.
Bargain Hunting Can SAVE You Money & COST You Money!
Do you consider yourself to be a bargain hunter? Do you coordinate coupons from the Sunday paper with the weekly specials at grocery stores?
Financial Organization
How organized are you when it comes to your financial life? If your finances are controlling you, here are a few tips to get back in the driver's seat!
Wedding on a Budget
Planning your special day doesn't have to drain your finances. If you are among the soon-to-be-married, some of these tips could help you cut costs.
Credit Corner
A recent article by Kiplinger magazine revealed that Americans used their debit cards 28.4 billion times last year, compared with 21 billion credit-card purchases.
Go Green! Let Earth-Friendly Budget Tips Take Root
It is possible to live an environmentally friendly lifestyle without breaking your budget. Here are a few suggestions.
Credit Answers Launches Updated Online Debt Management System
Credit Answers has launched an updated online debt management system which will enable its clients to more effectively manage their finances.
Being Proactive Can Help You Survive a Financial Setback
Sometimes it takes just one unexpected setback or emergency to trigger a debt crisis. It is important to move ahead and find ways to get back on your feet again.
DIY Car Checkups
Fifty-one percent of budget-conscious vehicle owners are handling more car care on their own compared to last year according to a survey by Honeywell Consumer Products Group.
DIY Car Checkups
In order to unload all of your things, you may want to consider online auctions, a selling tool of the new millennium. This online expedition
FTC Focuses On Free Credit Report Claims
The Federal Trade Commission aims to clear up some consumer confusion regarding television and website advertisements offering free credit reports.
Learn To Be Frugal
Learn to be frugal not only your finances, but with your time as well. But being frugal doesn't necessarily mean that we have to miss out on things in life.
Old Fashioned Budget Ideas
It can be fun and interesting to look back at what our parents, grandparents and ancestors did to save money.
More Ways To Boost Your Reserve Account
Some suggestions on how to build your reserve account. We realize that everyone has a different set of circumstances.
Ways Retailers Get Us To Spend Money
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?
Tips To Tackle Poor Customer Service
A study by US News and World Report revealed that the average American business loses 15 percent of its customer base each year
Don't Let Poor Spending Habits Derail Your Budget
If you've ever been guilty of poor spending decisions, here are a few ways to get back on track.
Congrats Grads! Let Better Spending Lead You To Success
Whether you're graduating from high school or finishing post-secondary eduction, the money decisions you make now...
Can Buying In Bulk Boost Your Savings?
Would buying in bulk be beneficial to your budget? Could it help you save toward your debt settlement program?
Frugal Retirement Ideas
Good money management is crucial if you want to maintain financial stability and enjoy a fruitful retirement!
Changes Coming For Bank Overdraft Fees
New guidelines may begin to impact some banking customers in the next several months as overdraft protection regulations go into effect.
Credit Answers Has Been Listed as a Member of USOBA
The United States Organization of Bankruptcy Alternatives (USOBA) has selected Credit Answers to be a member of their prestigious organization.
DIY Home Tips Can Save You Money
Saving money for a debt settlement program can be stressful. When it comes to home improvement...
It Pays To Stay Healthy
Many Americans aspire to lose weight by following fad diets or buying gimmicks that promise unrealistic results. If you want to lose weight, but not money...
Fun, Frugal Ideas For Kids
If you're looking for some fun and inexpensive ways to keep the kids in your life entertained, you might not have to look further than your own backyard!
Credit Checks and Employment: Are You At Risk?
A survey by the Society for Human Resource Management found that six out of 10 private employers
Ideas For Frugal Travelers
Discover new ways to travel, frugal answers for vacation lodging and how to save money on gas.
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