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DebtSmart® News is now available as RSS (Really Simple Syndication) in XML
(Extensible Markup Language). This is a news-feed format in which your
newsreader is updated when I update the XML for news. If you use MyYahoo, then
you probably have used XML even if you haven't realized it. This is not a
replacement for the email newsletter, but a fast method of finding out what's new
here at DebtSmart.com
Interest free option
My Kohl's credit card has made an interesting offer. Zero percent on purchases as
long as you pay at least 1/3 of your monthly balance. That's pretty cool. As you
know, in order to get the grace period on purchases with most cards, you must pay your bill in full each
month. This is the first pitch for a less-than-balance-payment approach. We'll
see how it goes. Of course, the rate is insane if you don't abide by the
details. I posted a PDF of the offer. It looks okay, but please
take a look and let me know if you find any catches I missed.
Mission of saving
I'm going to start bringing you more products/services that can potentially save you money.
If they won't, don't use them. One of them, for example, is Netflix
for movie rentals. A good friend of mine has been using this successfully for
years. This is something I might try, as it is cheaper than the Blockbuster
Freedom Pass. Plus, I'll save even more by not having to drive back and forth to
the store (especially while the gas prices are so high). So, for those of you who currently budget for movie rentals and
are paying more elsewhere, you may want to consider their service.
In other words, the idea here is not to incur new expenses, but rather to
save on products and services that are already in your budget.
I find your web site fascinating. I can see that you have helped a lot of
people and thought that you might be able to help me.
I get paid twice a month. My first paycheck pays the mortgage and the 2nd
pays the rest of my bills. The problem is that I get paid on the 1st and 15th. A
lot of my debt is due between the 1st and the 15th. I have no choice but to pay
late. Will my creditors change my due date if I ask them to, if not, what else
would you suggest?
My FICO score has suffered miserably as you can imagine--leaving me with an
HFC loan with a 26% interest rate that I can't get out from under.
My nose has been stuck in your books! Not since I read Victor Hugo have I
carried a book everywhere I went, and I'm just now returning to the rest of the
world, armed and ready for battle. (Your books should be required reading for
anyone opening a credit account, if not a prerequisite for high-school
graduation.)
I'm about to call Discover to try to get a late fee canceled on my mother's
account. Two months ago, she realized--just as the clerk rang up her
transaction--that she'd gone over her limit by $6.00. She immediately drove to
the nearby Sears and paid cash to bring her account below the limit, but--surprise!--Discover charged the overlimit fee anyway. Since she didn't realize
this, her next minimum payment left the balance still over the limit, and she
was charged another fee. I'm going to ask to have both fees waived (I'll be glad
if they'll waive at least one), and, while I'm talking with Ms. Katy Didd, I'll
also ask to have the interest rate reduced and the limit raised.
Dave and Jennifer just got married. They each have a little debt from student
loans and decide to earn extra money on the weekends by painting. If it takes
Dave 15 hours to paint a house, and it takes Jennifer 10 hours to paint the same
house, how long will it take if they both would have worked on it together?
Featured credit cards can save you money now!
by Scott Bilker
Your
best defense against any one bank is to have credit options--to be able to
transfer your balance to a lower rate. That's your only real power against high
fees. That's how to be DebtSmart®! Make the banks fight for your business! Be
sure to add this web page to your favorites list so you can keep applying for
new credit when you need it. Which credit card is right for you? Select from the
list below and apply online right now!
How to save money on your phone service within minutes!
by Scott Bilker
You
will save money using this service. I've been using it for a few months now and
it has worked perfectly for me! 1.9 cents per minute plus free minutes for
signing up! I signed up for $25 and got the free minutes. So the total time I
received was 1,578 minutes! That's 1.58 cents per minute!
By the way, when you sign up you get my DebtSmart Loan Calculator FREE
(a
$9.95 value).
If you are worrying about your money problems, it's time to STOP IT NOW!
Easier said than done, huh.
In my 25 to 30 years working with personal money management problems, I have
never seen worry help solve the problem. In fact, it has just the opposite
effect.
Good Credit is
Sexy: How to make your credit as attractive as possible An eBook by Kristy Welsh
Good Credit is Sexy has garnered rave reviews! Listen to what people are
saying:
"I just love this book!" - Kathleen Sullivan, Head Librarian,
Phoenix Public Libraries.
"Highly recommended." Erskine, radio host, "Erskine
Overnight"
You will learn: What it takes to repair flabby credit in record time. How to
get rid of junk mail which is not only annoying but makes it easy for thieves to
steal your identity. Time-tested methods for getting and staying debt free.
Who's most susceptible to credit-damaging identify theft. Why you're wrong if
you think divorce papers put an end to joint debts. Why auto-leasing rip-offs
are so common. How student loans work and how to handle student loan default.
Included with the book are all the sample letters you will need to get your
credit squeaky clean, protect yourself from vulturous creditors, settle your
debts with creditors for less than you owe, remove your name from mailing lists,
and much, much more!
This eBook is updated on a regular basis so you always have the most current
information in the credit world. Whether your credit is good or bad, you need to
know about it. It affects your everyday life!
Helping you with your debt is very important to me personally! If you've been
reading my articles, you know that I always encourage self-help as a first step.
However, being buried in debt can be very overwhelming, which is why you may
want to explore other options.
One of those options is professional, ongoing help with credit counselors.
I've started to personally check out certain companies so I can recommend the
ones that are worth considering!
If you would like to speak with a representative from a...
How to guarantee a great day every day!
by Chris Widener
I have a standing interview every Monday morning on a radio station in the
southeast that I enjoy very much. You can imagine though that it can become
routine. So to make it a little more fun, the host nowadays doesn't even tell me
the topic before we go live on the air--that puts some excitement into it!
The author(s), Press One Publishing, and DebtSmart.com shall have neither
liability nor responsibility to any person or entity with respect to any loss or
damage caused, or alleged to be caused, directly or indirectly by the
information contained in this email newsletter and/or at the DebtSmart.com web
site. The information, methods and techniques described may not work for you and
no recommendation is made to follow the same course of action. Every effort has
been made to verify the accuracy of all content contained herein. However, there
may be mistakes; typographical, mathematical, or in content. This email
newsletter and the DebtSmart.com web site have been created for your
entertainment only. You must always seek the proper professional advice before
taking any financial or legal action. You have been warned.
Subscribe FREE and start
finding new ways to save
money and pay off your debt.
"The DebtSmart Email
Newsletter is packed with
cutting-edge strategies for
solving credit problems. I
highly recommend it."--Gerri
Detweiler, radio host and
author of The
Ultimate Credit Handbook
