Why You’ll Never Start an Emergency Fund

January 6, 2016

Emergency funds are like New Year’s resolutions, everyone likes the idea of having them but not enough people actually put in the time and effort to see it through. If starting an emergency fund is something you want to do but have been putting off, I can’t really say I blame you. It’s not easy […]

Imagine What Being Debt-Free Will Feel Like…

October 19, 2015

“Vision is the art of seeing what is invisible to others.” – Jonathan Swift Everyone says that you should be debt-free. Inside, you probably already know that. After all, there are so many benefits to being debt-free that it doesn’t take a financial expert to figure out that your life will be better without debt that […]

Do Your Parents Have Debt Going into Retirement?

September 28, 2015

If your parents don’t have much in the way of retirement savings, there’s an excellent chance that they are carrying a significant amount of debt. Unfortunately, debt goes hand-in-hand with a lack of savings. Retirement can be the moment of truth for the debtor class, since there will be no assets to draw an income […]

Why it’s Easy to Wake Up Broke & in Debt

July 7, 2015

If you had to pick between an easy option and a hard one, which would you be more likely to choose? The easy path isn’t always the wisest one. However, the fact that it’s easier can sometimes explain why we get ourselves into a mess in life. People my age place an emphasis on convenience. […]

Being in Debt is Easy Because Getting Out of Debt is Hard

April 20, 2015

Have you ever wondered why so many people are in debt? Or maybe even why you’re in debt? It’s because being in debt is easy, and that’s because getting out of debt is hard. Despite all the advice from financial advisors telling people to get out of debt, many millions are still there. Why is […]

The “Miracle” of Being Debt-Free

April 6, 2015

Many millions of people struggle with being in debt. No matter how hard they try, they don’t seem to be able to get out of it. Like yo-yo dieting, they go from one failed strategy to another, never able to get control of their debt, and to eliminate it once and for all. The problem […]

Cut Medical Bills With a Hospital Billing Negotiator

February 9, 2015

Have you ever received a great, big, ugly bill for services rendered from a hospital or other healthcare provider? This can happen to just about anyone, whether or not you have health insurance. When a bill of this size comes in, you can sometimes get it cut by using the services of a hospital billing […]

Should You Let Your Family and Friends Know About Your Debt Struggles?

February 2, 2015

This is a touchy subject – it’s easy making a case for keeping personal debt problems secret from your family and friends. But let’s take the opposite side of that debate – should you let your family and friends know about your debt problems? Despite the problems that are inherent in sharing negative information about yourself […]

How to Improve Your Credit Score by Focusing on Payment History and Reducing Credit Card Debt

November 10, 2014

One of the things that many consumers are obsessed with today is a better credit score. After all, your credit score influences more than whether or not you qualify for a mortgage, or whether you get the best interest rate on an auto loan. Your credit score can also impact the insurance premium you pay, […]

The Most Important Thing You Can Do To Get Out of Debt

October 20, 2014

One of the financial issues that seems to plague many consumers is debt. Getting out of debt can be a long, difficult road – especially if you have a lot of debt to get rid of. Before you try to pay off your debt, though, it’s important to understand that the single most important thing […]

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