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Free Content Library |
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Car Debt or Credit Debt First? (435 Words)
by Scott Bilker
Does it make sense to start increasing my payments on this loan? Isn't it fixed what I will pay on the loan? If this is the case shouldn't I start paying on the next highest interest debt (another credit card) instead? Thanks for any help!
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7 Steps For Eliminating Your Debt (910 Words)
by Scott Bilker
Many people may say that shedding debt is common sense: "Pay for everything in cash and don't incur any debt." Yeah, sure, easily said when you have a household income of 70 to 80 thousand (and no kids). Obviously the best way to handle your finances is to pay for everything with cash. Not everyone has that luxury.
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Every penny counts (702 Words)
by Scott Bilker
How many times have you walked out into the parking lot of a supermarket and spotted a penny on the ground? Plenty of times no doubt. You might bend over to pick one up if you see Lincoln staring at you, but for the most part you just keep walking by.
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Reading the fine print in those low-rate credit card offers (1,604 Words)
by Scott Bilker
Taking advantage of low-rate offers is almost always a good idea. That's where the bulk of interest savings are found when you're managing your debt. However, there may be hidden costs that need to be uncovered before deciding to accept a seemingly good deal. It is imperative that you read through and understand the entire low-rate offer. I want to talk about the details you can expect to find in those low-rate credit card offers letters.
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Payment order counts when saving money on your debt (705 Words)
by Scott Bilker
A big myth in credit card and loan repayment is to "start with the smallest debt" and work your way to the largest. The advice that one should "start with the smallest debt" when applying payments should never be used as a rule of thumb.
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How to punish your credit card bank (1,033 Words)
by Scott Bilker
Has your credit-card bank ever made you angry? I mean really infuriated to the point where you just want a little revenge for how you were treated? The only problem is that you may feel at their mercy…like they're somehow superior. Well, you know what? They're not! No single bank has a monopoly on that "green paper" called money. It's time to show them that if they don't treat you like the good customer you are, you're going to take your business elsewhere—in a big way.
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Effects of debt on obtaining a mortgage (284 Words)
by Scott Bilker
I was wondering about what sorts of ramifications my credit will have on my obtaining a mortgage in the future? Here is the situation, while in college I got myself into credit card debt (about $6,000). After college I married a debt-free man (no student loans, one credit card great investments). Over the last 1 1/2 years we have paid my debt down considerably (currently I owe about $2,000, each card is at about $500). One of them was charged off the other 3 were closed by the credit issuer.
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Biweekly mortgage may be a rip-off (1,084 Words)
by Scott Bilker
Biweekly mortgages have been touted by many companies as being an excellent way to save money and pay off your mortgage earlier. Some companies even claim that "it won't cost you any more than you're paying now." What a crock! What do you think a true biweekly mortgage saves you?
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Lower your credit-card APR right now! (1,030 Words)
by Scott Bilker
When was the last time you took a look at your credit card APR (Annual Percentage Rate)? What do you do if you discover that you are paying too much for your loans? Well, quite simply, make the bank lower your rate. Sound impossible? More than half of the time I've been able to make my banks lower their interest rates. The trick is to have the right deal-breaker.
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Car Financing Smarts (582 Words)
by Scott Bilker
My father asked me to help him pick out a new car. After visiting several new car dealers in the area, we finally found one with a car that had the price and features we were looking for. Once the negotiations were complete, and the price was agreed upon, it was time for the dealership to add in those extras such as; tags, processing fees and anything else they could.
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