11 Easy Ways to Cut Your Spending Without Feeling It
by Scott Bilker
There are three main points to be addressed when reducing debt, specifically: (1) Getting organized financially; (2) Becoming more efficient with your current debt and spending; and (3) Generating more income. Here are some suggestions to expand on number (2) specifically as it applies to spending.
Excerpt from "Talk Your Way Out of Credit Card Debt"
by Scott Bilker
Everyone wants to get out of debt, but few are willing to do the work it takes to make this goal a reality. As it turns out, looking into all your credit options is going to be one of the best paying jobs you'll ever have. That's because the money you save more than compensates you for...
Featured credit cards can save you money NOW!
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!
Debt Trap
by MSNBC
Debt: The next big American crisis? Instead of accumulating wealth, many falling further behind on payments. Dateline looks into a fundamental economic problem: the debt epidemic. Chriss Snyder has $25,000 dollars in credit card debt that she's trying to get under control. She describes a potential trap that could cost you big money. The economy is in freefall and no one's sure where rock bottom is. And as the mortgage crisis and mounting job losses melt away the American dream, another fundamental economic problem is being exposed: America's debt epidemic.
The top 10 destructive money beliefs
by Dan Klatt
If you're not making as much money as you'd like, then you're holding onto some negative beliefs about yourself and how much money you're capable of handling. In this article we'll go through 10 of the most common (and most limiting) examples of how people hold themselves back financially.
Dental Surgery Funding
by Scott Bilker
Hi Scott, I need some very expensive dental surgery and work. I was wondering if you could suggest a strategy/strategies to fund this $8,500 expenditure over a two year period interest free. I have an excellent credit score (800+). I know that during the process, I can shop for balance transfer offers; however, I'd prefer to find a card with 0% on purchases for 24 months or do a series of transactions to perform the equivalent. Bob R.
There is only one truly free report site
by Federal Trade Commission
Anyone can dance a jig, but only the FTC provides you with a truly free credit report. It’s the only authorized source to get your free credit report under federal law. Anyone can write a catchy jingle, but only the FTC provides you with a truly free credit report. It’s the only authorized source to get your free credit report under federal law.
Unavailable Credit
by Gary Foreman
When I was young, one of the things that was most likely to cause a fight was when someone changed the rules in the middle of the game. Generally someone else was a victim of the new rule and wasn't too happy about it. Fortunately, it was just childish stuff. Even if there was a fight, everyone would make up the next day.
Living above my means for years--what now?
by Scott Bilker
I've been living above my means for years, using credit cards to pay for the difference from what I make and what I spend. I can't be denial much longer as the cards are getting to their max. I currently don’t' have any past due payments since I still use the credit cards to offset what I can't pay. What do you recommend I do?
Q and A with the authors of "Complete Idiot's Guide to Peer to Peer Lending," Curtis Arnold and Beverly Blair Harzog
by Curtis Arnold
Peer to peer lending has really taking off in the past 12 months or so due to several factors. The credit crunch has really restricted the availability of traditional bank loans and other forms of traditional credit, such as credit cards. As a result, consumers are increasingly turning to other sources for credit and peer to peer lending has emerged as a viable source of credit.
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
