One of the age old questions that many people have is whether having a good education will predispose you towards being wealthy. While there are many schools of thought on this, the general consensus is that it is easier to make more money when you have a special degree, but it’s not impossible to make [...]

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• Saving for a Rainy Day Having a few easy and down to earth concepts and ideas for spending less, cutting expenses and socking money away is a good way to start putting together a rainy day fund. This freed up money can be applied to your emergency fund so that you can weather any financial......
• How to Avoid the Three Worst Financial Traps No matter how wealthy or poor you are, there are financial traps that are waiting to disrupt your lives. Many people end up finding out too late that they are in the depths of one and it is nearly impossible to get out. However, there are specific steps that you......
• Why Invest? Do you have some money socked away, or are you planning to sock some money away for the purpose of investing? Are you wondering why investing would be a smart idea and how you can best benefit from the act of investing? Simply put, you are going to want to......
• 3 Ways to Weather Economic Cycles The economy is in a state of constant flux. If one industry is doing well, you can bet another is suffering. While it can be difficult to weather any cycle, there are techniques that you can use to ensure that you stay on top no matter what happens. Here are......
• Proper Diversification for Increasing Your Income If you're already leveraging your debt to produce more than one stream of income, you're pretty familiar with how the process works. However, it's really easy to get complacent when you're leveraging debt and you may be missing out on other opportunities if you're not looking outside your current comfort......

Continue reading → Does Your Education Really Make a Difference For Your Financial Future?

Right now, more than 80% of households in the United States live on a paycheck to paycheck basis. This means that a lost job could result in financial disaster for a large chunk of the population. Once you get into the trap of relying so heavily on one paycheck, it can be pretty hard to [...]

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• Does Your Education Really Make a Difference For Your Financial Future? One of the age old questions that many people have is whether having a good education will predispose you towards being wealthy. While there are many schools of thought on this, the general consensus is that it is easier to make more money when you have a special degree, but......
• Learning How to Finance Your Future Most of us think about retirement and panic. It can be tough trying to figure out how we’re going to survive and plan for our futures when we’re just trying to make ends meet right now. If you’re strapped for cash at the end of every month, chances are you......
• How Far Into Debt Should You Go? While most of us get the general principle that we need to go into debt if we want to build up our credit, it’s tough to know exactly how far you should go. When you’re first starting out, it’s all too easy to get buried in bad debts that run......
• 3 Reasons Why You Need Multiple Streams of Income One of the hottest concepts right now is the premise of creating multiple streams of income. While everyone wouldn’t mind making a little extra cash, there are even more benefits that can be reaped from having more than one source of income. Let’s go over just a few of them.......
• You’re Broke Because You Want to Be by Larry Winget Larry Winget is a best selling author that is known for his no nonsense style and sometimes brutal prose. His latest book is quite a read and true to form, the man talks tough. However, if you need a wake up call to stop overspending, this is definitely a great......

Continue reading → How to Stop Living Paycheck to Paycheck

There are numerous ways to end paycheck reliance in your life, however some are obviously more feasible than others in terms of implementation. For example, winning the lottery is an excellent way to overcome your reliance on a paycheck to paycheck way of living, but how much can you really rely upon a lottery ticket [...]

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• Different Types of Short Term Investments Short term investments are the most ideal form of investing if you want to invest over a period that is relatively short. Cash manager accounts make it possible to access your money whenever you need to. Fixed term deposit investments secure your money for the entire length of the term.......
• Sunday Money Madness: Bootacular Edition Happy early Halloween! Welcome to yet another edition of the Sunday Money Madness Roundup. I hope you enjoy the posts presented below. Start browsing! Debt | Debt Leveraging: What Happens to a Joint Mortgage if One Partner Declares Themselves Bankrupt asks Debt Free Advice. Financial Wellness Project writes 5 questions......
• Buying and Selling Stocks 101 When it comes to investing in stocks, most people predominantly rely on mutual funds. Mutual funds are a type of professionally managed investment pool that allows you to cast your lot along with thousands of other investors at the same time. Mutual funds are a truly wonderful way for you......
• How to Go Into Debt to Get Out of Debt This really sounds like the ultimate oxymoron, but one of the best ways to get out of debt is to go a little bit further in. What’s that? First, to help this make more sense, let’s clarify – if you need to get out of bad debt, going into good......
• How To Hedge Your Bets: 10 Ways To Diversify Your Income Jonathan Leane is today's guest blogger here at Rich Credit Debt Loan. Jonathan writes for Debt Loans. Why Diversify Your Income? Most people are familiar with the idea of diversification—it is common knowledge to not “put all your eggs in one basket”. However, this advice is most commonly applied to......

Continue reading → How to End Paycheck Reliance

The housing crisis has a lot of people taking a closer look at their finances and worrying about whether they too may be at risk for losing their home. There are a lot of great lessons that can be learned from this crisis, and they can be applied to all areas of your finances. Let’s [...]

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• The Quiet Millionaire by Brett Wilder There are so many personal finance books out there and most seem to fall into one of two categories – Get rich insanely quick or get frugal to turn your life around. For those of us that want a more solid and easy to accomplish means of developing a personal......
• Getting Motivated to Organize Your Finances For many people, the first steps towards getting your finances under control are the hardest. Whether you didn’t spend enough time learning about basic personal finance principles when you were younger, or life happened and you’re now at the bottom of a very large problem, it can be difficult to......
• Managing Your Finances and Your Future One of the hardest things for many of us to do is to manage our finances properly. It can be hard if you’ve had no training and you’re used to just spending freely, whenever you want. There are thousands of people out there that can’t balance their checkbooks let alone......
• Personal Finance Credit Crunch Budgets are unfortunately quite the necessary evil when it comes to managing your own personal credit crunch. Everyone is going through a credit crunch, even those who have relatively healthy credit. The only practical way to keep yourself financially stable in this volatile market is to get a grip on......
• Sunday Money Madness: Ghosts, Spirits, Haunts, and Souls Lots of holidays and celebrations this weekend. Halloween on the 3st. All Saints Day on the first of November. All Souls Day on the second. Dia de los Muertos covering the whole weekend for many, also known as the Day of the Dead which was yesterday specifically. Samhain for the......

Continue reading → What We Can Learn from the Housing Crisis