Happy Independence Day from The Money Motivator!If you don't celebrate "The 4th of July" like we do in the United States, today still presents you with an awesome opportunity to examine your independence.Independence means the quality or state of being dependent. The word dependent means not subject to control by... Read More
Amy Wright, 34, was extatic when her realtor showed her the three bedroom townhome overlooking the lushious golf course. It was exactly the home she was looking for. The interior was sunny and bright, with a newly remodeled kitchen, spacious bedrooms, and the perfect little study area to set up... Read More
What is Credit?Credit means that you are using someone else's money to pay for things. It also means that you are making a promise to repay the money to the person or company that loaned you the money.Whenever a person applies for a loan, mortgage, a credit card or for... Read More
Debt settlement involves negotiating with a creditor or creditors to pay off a percentage of your total debts at an agreed upon settlement amount. Often, people choose to utilize the services of a debt settlement company rather than attempting to do it on their own. Debt settlement companies traditionally employs... Read More
Debt consolidation versus debt negotiation are two options that are available to you if you need debt assistance. When your monthly bills become too much for you to handle, it makes sense to use debt consolidation or debt negotiation for solving debt and credit problems.Debt ConsolidationDebt consolidation services have prearranged... Read More
Decreasing your debt is paramount to having a good credit rating as well as giving you peace of mind. You want to get out of debt, but not all debt reduction options may be beneficial. Let's take a look at five debt reduction options which may help you in your... Read More
If you want financial freedom, the first thing that you will need to do is to get rid of your debts. After all, as long as you owe money, you can't consider yourself to be financially free. This is due to the fact that the money you will earn in... Read More
Reducing debt usually isn't a high priority for people until they have already gotten into trouble with overspending. Using a few basic guidelines, and debt calculations, can help you see when your debt load is getting into the danger zone.Budgeting GuidelinesCreditors use budgeting guidelines when reviewing and approving credit. If... Read More
Strictly speaking, his advice was preceded by another Heinlein maxim as well. "Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity." Today, that advice gets abused eight ways to Sunday, as the... Read More
Congress recently passed the Bankruptcy Abuse Prevention and Consumer Protection Act, designed to minimize frivolous bankruptcy filings and to require debtors to repay some of their debt. Once it takes effect in October, 2005, the law will make it harder for those with problem debt to have their debt wiped... Read More
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You go to the mail box and scan - a... Read More
It seems as though whenever we go out for the... Read More
Can you stop debt collectors ? . . .You better... Read More
As vice president of the American Credit Foundation, a nonprofit... Read More
Budgeting -- ooh, what a scary word! If you want... Read More
The Bankruptcy Abuse and Consumer Protection Act, signed into law... Read More
Still living from pay to pay? Or envying those great... Read More
WILL MY CREDITORS STOP HARASSING ME?Yes, they will! By law,... Read More
If you're reading this article right now I'm sure that... Read More
When you find yourself thinking about using a credit counseling... Read More
Debt negotiation and settlement can give you a drastic reduction... Read More
Anyone who embarks on a debt reduction program should know... Read More
For most Americans, credit card debt is a dangerous and... Read More
It is always possible to negotiate with creditors ? even... Read More
If you are considering bankruptcy as a solution to your... Read More
The business of banking has changed dramatically over the last... Read More
Bankruptcy is one of the most difficult things a person... Read More
Do You Need to Join a CCCS - Consumer Credit... Read More
If you've ever earned enough money to put some aside,... Read More
Massive debt is something many Americans face. Debt reduction is... Read More
Living with debt is not something someone hopes for, but... Read More
There is a law all smart people break.Parkinson's law.Parkinson's law... Read More
Feeling stressed by the amount of debts you have? Three... Read More
This method is simple, but requires some discipline.First, you have... Read More
On April 20 of this year, President Bush signed a... Read More
Vehicle repossession may appear justified in circumstances where a person... Read More
I'm sure you'll agree that budgeting, saving money, and eliminating... Read More
Happy Independence Day from The Money Motivator!If you don't celebrate... Read More
"Legally terminate credit card debt! You can be debt-free in... Read More
Filing bankruptcy is not fun! It is a last resort... Read More
Are you still clearing a mountain of debt amassed last... Read More
Your FICO score or credit score as it's commonly called... Read More
Can a debt consolidation loan eliminate your credit card debt?... Read More
I'm sure you'll agree that budgeting, saving money, and eliminating... Read More
As consumer debt continues to spiral out of control, debt... Read More
Although many consumers would argue differently saving money doesn't have... Read More
Wholeness requires separation. In order for you to experience yourself... Read More
Bills, creditors, debt collectors. Are you yearning for the days... Read More
It all starts by defaulting on an obligation: Money owed... Read More
The overwhelming task of eliminating your debts can often seem... Read More
A History of Money and TradeTo start with a history... Read More
Many Christians feel uncomfortable with the notion of being in... Read More
Reducing debt usually isn't a high priority for people until... Read More
You go to the mail box and scan - a... Read More
Entrepreneurs have a tough time in their formative years. They... Read More
Living with debt is never a good idea if you... Read More
Filing bankruptcy is not only a last resort legal action;... Read More
Outlined below are some of the benefits and drawbacks of... Read More
Sometimes debt can seem overwhelming. In those instances, or even... Read More
Bankruptcy is one of the tougher choices we as adults... Read More
FTC opinion letter on validation Section 809(a) of the FDCPA,... Read More
In April 2005, Congress made sweeping changes in U.S. bankruptcy... Read More
Negotiations with creditors have failed. Repossession is imminent and foreclosure... Read More
Debt management (specifically unsecured) is the first step to taking... Read More
With the high cost of gasoline and the amount of... Read More
At some time or another during our lives most of... Read More
Happy Independence Day from The Money Motivator!If you don't celebrate... Read More
Yes, debt collection tips can help. You may think you... Read More
We've all heard the phrase, "You have to start somewhere."... Read More
It has been said that everyday more and more people... Read More
Consumer Borrowing Consumer borrowing in the UK has now crashed... Read More
I'm not sure where it originated, but I've heard it... Read More
The main reason for getting out of debt today, is... Read More
It happens all the time. Debt collectors try to collect... Read More
Having something tangible to strive towards can work wonders for... Read More
Want to know if your attitude towards your finances is... Read More
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