I recently read an article about what makes people feel rich. Immediately, I started to think about myself and my current financial situation. I am not a millionaire. I do not have rich parents and I have a 9 to 5 like most of the population. Sometimes my 9 to 5 feels like a 9 [...]
So you have a lot of credit card debt? So what now? Many people find themselves in this situation and feel helpless and hopeless. The key is to not give up. There are many resources out there to help you. Among them are: Credit counseling: There are several nonprofit agencies out there dedicated to [...]
I came across this great article on Americasaves.org. Many people have difficulty saving for one reason or another. In this article, the writer shares some great tips to help and encourage people to save. The topics that she discusses are listed below: Does the Cost of Living Keep You from Saving? Do You Find [...]
I wrote this blog two years ago as a means of encouraging readers to prepare for the New Year. Well, two years later, this message is still relevant as the times have not changed much from the prior years. Therefore, this message bears repeating. As 2010 draws to a close, many are hopeful for significant [...]
Have you ever wondered what government resources are out there? Well, don’t keep wondering, simply click and take advantage of these great resources. Mymoney.gov-This site provides a wealth of resources for businesses and individuals alike. Whether you are looking to educate yourself about personal finance or looking for financial management ideas for your business, this [...]
Within a few weeks, credit card companies will start verifying your income before they process your credit card applications. This will also apply for credit limit increases. The companies will go as far as asking for pay stubs and copies of your prior year tax return. Companies such as the major retailers are using [...]
Do you remember when your mom would put that big purchase on layaway? It seems like it was so long ago. Not anymore. In these tough economic times, many retailers are offering layaway as an option for many of their customers. This makes it more flexible and will give customers the option of not paying [...]
I recently read an article about the rising debt of senior citizens. Senior citizens, I thought? Surprising, not really. Think about it. Senior citizens are on a fixed income unlike the younger generation. Their income does not keep up with the rising prices for food or anything else. Seniors are using their credit cards to [...]
Are you in over your head in debt and looking for an informative way to manage and understand your debt? Then check out Bankrate.com’s debt management guide. The guide is available at http://www.bankrate.com/finance/debt/debt-management-guide.aspx. Within the guide, you’ll learn these valuable tips: · Where to get help for your debt. Of course the first thing you [...]
President Obama signed the Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009. The Act’s main purpose is to prevent credit card industry practices that significantly raise interest rates. There are numerous provisions to this act. Among the provisions are the following: · There is a provision for granting credit cards to individuals under [...]
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