Why Having a Budget Is the First Step to Getting Out of Debt
by Harrine Freeman
Many people constantly complain about being in debt but when you ask do you have a budget, do you know how much you owe, or when you suggest they cut back on expenses they look at you as if you are speaking a foreign language, or they just plain out refuse. I am always amazed at this, how can you ever get out of debt if you don’t change your mindset, if you aren’t willing to work hard and make sacrifices. There is no quick fix or cure all to get out of debt. It takes a long time to get in debt and you will not get out of debt overnight.
Someone to Pay My Credit Card Bills?
by Gary Foreman
It doesn't take a genius to notice that our financial circumstances have changed in the last few years. But, it does take some thought to recognize which strategies are still sound and which ones need to be changed. Today we're going to talk about one that may need to be changed depending on your circumstances.
Defense Of Credit Card Lawsuits
by Stefano Grossi
Whether or not you are believe the news media about a declining US economy, one thing is for sure, debt collectors are actively filing suits to collect debts. One large collection firm based out of Atlanta has indicated that they file an average of 279 collection lawsuits per day. A lawsuit is often the final effort in the creditor's attempt to collect a debt. If the harassing and often illegal collection calls were not enough, once a person is sued the reality of the situation is realized. However, for the defendant, not all hope is lost.
DebtSmart Email Newsletter: 5/13/09
by DebtSmart Email Newsletter
Letter from the publisher; Cool Quote; Q and A with the authors of "Complete Idiot's Guide to Peer to Peer Lending," Curtis Arnold and Beverly Blair Harzog; STATISTIC: Late Pay at New High; Someone to Pay My Credit Card Bills?; "DebtSmart.com is a great site."; Why Having a Budget Is the First Step to Getting Out of Debt; Defense Of Credit Card Lawsuits
DebtSmart Email Newsletter: 4/29/09
by DebtSmart Email Newsletter
Letter from the publisher; Cool Quote; Fighting an Increasing Rate; STATISTIC: Penalty Fees in 2008; The Interview That'll Bag a Job; Credit Cards for College Students Video; "I saved my sister $566.17 in less than 2 hours!"; With This Debt, I Thee Wed ; Household Math™: Sale or gas savings?; Budgeting 101; 6 Smart Ways to Stop Money Stress in Your Marriage
DebtSmart Email Newsletter: 4/15/09
by DebtSmart Email Newsletter
Letter from the publisher; Cool Quote; 11 Easy Ways to Cut Your Spending Without Feeling It; STATISTIC: ID Theft Tops FTC 2008 Consumer Complaint List; Credit Card Rewards Points: Use 'em Soon, or Lose 'em?; Debt Trap; "Down from $35,000 in credit card debt"; US House bill would ease credit card timeframe; Household Math™: How Much Spending; The top 10 destructive money beliefs; Suze Orman and the New Rules of Credit Card Debt
DebtSmart Email Newsletter: 4/1/09
by DebtSmart Email Newsletter
Letter from the publisher; Cool Quote; Dental Surgery Funding; STATISTIC: Record credit card delinquencies in January 2009; Think FICO is fair?; There is only one truly free report site; "Home Depot card raises rates for ALL customers"; Extreme cheapskates: Tightwads revel in frugality; Household Math™: Cutting the budget; READER NOTE: Closed Credit Card Accounts; Unavailable Credit; Quiz: How savvy a consumer are you?
DebtSmart Email Newsletter: 3/18/09
by DebtSmart Email Newsletter
Letter from the publisher; Cool Quote; Living above my means for years--what now?; STATISTIC: Consumers Cut Food Spending; 6 Fields That Stand to Benefit From the Stimulus Plan; Pay It Off Or Keep It?; "The rates dropped back down to acceptable levels."; Credit Card Companies Go to War Against Losses; Household Math™: LTV; Trimming the Fat From Your Budget; Don't Believe These 7 Credit Card Myths
DebtSmart Email Newsletter: 3/4/09
by DebtSmart Email Newsletter
Letter from the publisher; Cool Quote; I've been gouged for $99! Are bank charges negotiable?; STATISTIC: Identity Fraud Up; Consumer Cost Down; The End of Credit Card Rewards?; 8 Ways to Consolidate Debt; "On my First call to Chase I had my interest dropped from 24% to 18% in 5 minutes."; The End of Credit Card Rewards?; Household Math™: Semiannual Mortgage Payoff; Taking control of your kitchen; Coder's Half-Million-Dollar Baby Proves iPhone Gold Rush Is Still On
DebtSmart Email Newsletter: 2/18/09
by DebtSmart Email Newsletter
Letter from the publisher; Cool Quote; Where did that fee come from?; STATISTIC: Spending and Account Balances in 2008; Be systematic about cutting your debt; Stop Eating Your Way Into Debt!; "Outraged and discouraged, I came across your website..."; Homeownership Myth: Why Not Everyone Should Be a Homeowner; Household Math™: Minimum Payment Balance; Frozen HELOC; Cable Bill High? Phone Costs Up? Now, Let's Talk
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