In the previous parts of this article we discussed how FICO score can impact your financial status as well as the initial steps that you can take to begin restoring your FICO score. We covered handling collections first since they do have a big impact on your overall score, but there are a few other [...]

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• Ruin Your Credit Fast, pt 2 Granted, there are a wide variety of different ways that you can ruin your credit over time, but do you want to know what the quickest and most dangerous ways are? Here are five ways that you can quickly and effectively destroy your credit. Continued from Part 1 By taking......
• Get Rid Of Your Credit Card Debts Credit card debt consolidation is a quite effective option of eliminating your credit card debts. Getting into credit card debt is really harmful for your credit score. It is even worse if you let it accumulate. At present, an average American household carries credit card debts of over $8,000 which......
• Restore Your Fico Score – Part One While obsessing over a FICO score is not a good idea, this is a number that will have a lot of bearing in your life. This number determines whether or not you will be able to get a house, a new credit card, or in many cases, whether or not......
• 9 Steps for Establishing Credit Credit is the catch all term for the act of lending money. It can take the form of a credit card, in which the lender buys the things you want and you pay them back. Loans are where you have the money given to you with the promise to pay......
• 6 Easy Tips on Raising Your FICO Score In today’s world, it’s easy to define your self worth by your FICO score. Whether you are trying to buy a house, get more credit or just get back on the right track, a low FICO score can really impact your entire life. However, there are some easy steps that......

Continue reading → Restore Your FICO Score – Part Three

If you were to ask anyone on the street that question, odds are the majority would answer, “very much.” However, these same people will easily turn around and drop a small fortune on something without a second thought as to how it would return to them. Before you get started with investing, managing your money [...]

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• Money Management Questions and Answers How can money management techniques be applied to my life? - The first step is to realize that you could possibly have an overspending problem. This is the number one reason why people get over their head financially. You can easily consult with a money management counselor that will help......
• The Total Money Makeover By Dave Ramsey Dave Ramsey is a popular radio talk show host and author and his latest book, The Total Money Makeover has generated quite a bit of excitement. He claims that money management is 80% behavior and 20% knowledge, and there is a lot of truth to that. While the book covers......
• A Review of Rich Dad Poor Dad With all of the hype surrounding Robert T. Kiyosaki's book, Rich Dad Poor Dad, I fully expected a life changing read that would open new horizons and unlock the mysteries of the wealthy. What I got was a nice little parable with very little actual advice and a whole lot......
• Review of the Richest Man in Babylon This is probably one of the most commonly used books by those who are looking to create wealth. It first came onto the scene in 1926, and shot to fame during the Great Depression as the desperate populace looked for a way out of poverty. While this book does raise......
• Tips for Paying Off Student Loans Right now, the student loan industry is going through one of its worst periods in decades. New Federal regulations have forced many banks to stop offering student loans, and students are being forced to either find a direct loan or start paying back what they owe. Enrollment figures are being......

Continue reading → How Much Does Your Money Matter to You?

Whether you are pushing thirty and trying to get your first home or your retirement is staring you in the face, there are times when you may feel as though you’ve run out of time financially. We don’t always make the best decisions when it comes to saving money and before long, we end up [...]

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• How to Find Financial Stability in Unstable Markets Right now, the only news about the economy seems to be bad news, and it may take a few months if not years to improve. The dollar is weak, oil prices are still up and the cost of living has skyrocketed this year. These are unstable times, but that doesn’t......
• Smart Credit Card Debt Credit card debt is a global problem that has led many to the poorhouse. However, with smart management, credit card debt can actually be a good thing. Let’s look at how to have smart credit card debt that will help your finances instead of hurt it. The premise may be......
• Don't Close These Credit Cards A lot of people tend to close out their credit card accounts if they get too far into debt with their creditors. Apparently they have some kind of notion that this will make the debt go away, when this could not be further from the truth. Not only is this......
• What Determines a Credit Score pt 1 Here is some basic information on what you need to know about credit scores and what goes into determining your credit score. What is responsible for determining my credit score? Your credit score has become a very important focal point for a variety of things. Your score is now the......
• How to Stop Living Paycheck to Paycheck 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......

Continue reading → Running Out of Time? How to Catch Up Financially Before it is Too Late

Whether you’ve lost your home or your job, or your money management skills over the years have left you severely in the hole, it is never to early to start turning things around. You can bounce back from financial trauma, but it will take some effort and dedication on your part. Here are some tips [...]

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• What You Need to Know Before Going Into Debt Let’s face it, if you want to get ahead in today’s world, you’re going to need to go into debt, at least a little. The key is managing your debt properly and avoiding common traps. Not all debt is bad, even if we have been trained to think that it......
• How to Create Alternative Income If you're currently living paycheck to paycheck, or you would just like to have a little more financial security, the key is creating alternative forms of income. While to many people this means getting a second job, there are actually easier ways that you can start bringing in more money......
• Regularly Checking your Credit Score is Vital In these financial times which are clearly tumultuous and tight, it is absolutely vital that you take the time and make the effort to check on your credit report and credit score on a regular basis. This statement is more true today than ever before, because we live in a......
• Improve Your Credit Today Having blemished credit is both costly and stressful, but it does not have to be the end. Your situation may seem incredibly hopeless, but bad credit does not last forever. There are many things that can be done to improve your credit score. 1 - Stop using any of your......
• Restore Your FICO Score – Part Three In the previous parts of this article we discussed how FICO score can impact your financial status as well as the initial steps that you can take to begin restoring your FICO score. We covered handling collections first since they do have a big impact on your overall score, but......

Continue reading → How to Undo The Results of Financial Trauma

While many people do not like to talk about the idea of unemployment, being unemployed is a very real concept that can also become very damaging very quickly for anyone who is not adequately prepared. Due to poor planning and the natural process of denial, many people who were unemployed find themselves dealing with a [...]

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• 9 Warning Signs That You Have TOO MUCH Debt! When it comes to accruing debt, it is really and truly tough for people to face the cold hard fact that they are in way over their head. It's much easier for you to turn things around when you are aware of what the signs are for too much debt,......
• 3 Reasons Why Paying With Cash Hurts You in the Long Term Many of us have been conditioned to think that living debt free is the only way to be. While there is some truth in this statement, if you’re completely debt free and using only cash, you’re hurting your chances of getting a new home, and you may end up in......
• Paying Debt Collection The FTC had over seventy thousand complaints in 2007 leveled against debt collectors, third party agencies that collect debts for various businesses and banks. It can go without saying that not all debt collectors follow the rules. Here is some info that can help you to deal with (or not......
• The Meaning of a Credit Score I do not suppose you know what your credit score means do you? Do you really? I think you might want to take another moment to think good and hard on that, because in September of 2004, the Consumer Federation of America reported that of one thousand Americans they surveyed,......
• What You May Not Know About Personal Finance Unless you’ve taken some courses on handling finances, there is a chance that you may not be aware of a few of the key points about budgeting, managing your money and planning for the future. While a lot rests on common sense, there are a few techniques that everyone can......

Continue reading → Preparing for the Unexpected Financially

Continued from part 1.
3 – Charge Offs.
When you do not pay off a credit card account or a loan account for a period of three to six months, your creditors are generally going to assume that your account is non collectible, or that it is in default. When this occurs, your creditor will report [...]

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• Seemingly Harmless Activities May Harm your Credit Your credit score is a vital number that determines how businesses and financial institutions treat you. Everything we do financially has an effect on our score, for good or bad. What surprises many people is how seemingly minor or harmless activities can have a big, negative impact. Described here are......
• Credit Karma -- Free No Strings Credit Scoring Never before have Americans been so interested in their credit scores, and as such, numerous sites have cropped up offering to sell them. It can get pretty expensive if you want to keep checking your score with these sites and many people discover hidden monthly fees that rack up quickly.......
• These Things are Hurting your Credit Score A person's credit score has become very important in this day and age. Your score is what creditors and lenders look at to quickly decide if you are a good or bad risk to lend credit to. It is important that you learn what types of actions hurt your score......
• What Is In Your Credit Report? Although every one of the credit reporting agencies is going to format and then report their information in a different and unique way, all of the various reports are going to contain basically all of the same information and categories. Your SSN or social security number will be listed, along......
• Things to Have Removed from your Credit Report If you want to repair your credit quickly, there are a number of things that you can do to fix up your credit report. In general, there are some things on your credit report that really drag your credit score down. This is a look at the seven worst possible......

Continue reading → Things to Have Removed from your Credit Report pt 2

Whether you are into investing or running your own business, the term diversify is thrown out quite a bit. However, there are some varying opinions on what this term really means and the implementation of diversifying your money or resources can be difficult. While diversifying is vital for anyone, the key is doing it correctly [...]

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• Start Saving Money Today Here are five ways that you can begin to save money, beginning today. Americans are not saving enough money in this day and age to help ensure their stability financially. If you have enough money in your savings account, then it is going to be able to protect you from......
• Saving Money with your Phone There are a lot of different ways that you can cut down on what you spend in your household budget every month, and one such example is by saving money through how you communicate on the phone. Telephone services are easily capable of costing a typical family as many as......
• Stashing Your Cash If you want to access your money quickly, where do you put it? Where do you hide your emergency fund, in a cookie jar, a safe or in the bank? Knowing where to stash your cash is vitally important, and so here are some of the options that are available......
• Real Estate Investments - Good Idea or Bad Idea? Right now, if there was a market that had bad news written all over it, it would be real estate. The housing crisis has made investors jumpy, the economy appears to be tanking and home values are plummeting across the country. Would you believe that this is actually a good......
• Investing Rules of Thumb One of the biggest rules of thumb that you can keep in mind when it comes to investing is to look at three different variables in everything that you do. These three variables are liquidity, risk and returns. Liquidity is how fast or how easily you can convert an investment......

Continue reading → What Does Diversify Really Mean?

If you’re swimming in a sea of debt and trying to figure out how to keep your head above the water, one of the easiest ways is to consolidate. However, the actual process of consolidation can be confusing and it is all too easy to make mistakes that will end up costing you both now, [...]

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• How to Create Alternative Income If you're currently living paycheck to paycheck, or you would just like to have a little more financial security, the key is creating alternative forms of income. While to many people this means getting a second job, there are actually easier ways that you can start bringing in more money......
• 4 Tips to Getting Bad Debt Under Control If you are swimming in a sea of bad debt, keeping your head above water can be incredibly difficult. Thanks to our consumer culture, the availability of credit cards and a general lack of concern for what debt means, many people find that their bad debt is out of control.......
• How to Create Wealth With Debt On the surface, this seems like an oxymoron. How could you possibly use debt to create more money? It actually isn’t an oxymoron, but you’re going to need to change your perception of debt and classify into two different categories for this to make sense. There are many ways that......
• Is Debt Consolidation the Right Option? If you happen to be struggling with paying your bills, then debt consolidation might be a good solution for you. Debt consolidation is where you combine all of your bills and debt into one, so that you are making one single lowered payment that can be afforded. Consolidating helps you......
• How to Pay Off Your Card Credit cards create for their users a cycle which is vicious: charging for items when you do not have the money, and then finding it very hard to make the payments due to high interest. The average, in the middle, debt that is held by an American is over eight......

Continue reading → Debt Consolidation Tips