Consumer Debt Relief Resources Archives - Page 8 of 9

A Guide to Becoming Debt Free

If you realize your spending has gotten messy and needs some cleaning up, here is what you might want to do. Develop a list of your credit card balances, all outstanding balances for that matter. Then, once you have a clear picture of what you owe, organize the debts from least to greatest. Pay off your debt beginning with the smaller account balances. The best way to do this is to make your minimum payments […]

December 19th, 2017|Tags: debt consolidation, Debt Free, debt relief, debt settlement|

All I Want For Christmas Is To Be Debt Free

How about putting yourself first this holiday season? Let’s take a moment to consider what you really want. More than likely it is peace of mind. Your credit standing impacts your peace of mind heavily. Let this year be different than last year, the year before that and all the years you can recall where you spent beyond your means and then paid for it all year long.

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November 28th, 2017|Tags: Christmas, Debt, debt consolidation, Debt Free, debt relief, debt settlement, Hanukkah, Holiday Debt, Holiday Spending, Holidays|

A Holiday Season That Doesn’t Break The Bank

Too good to be true?

Absolutely not! The holidays are a time for giving, but to what extent? Do you give so much that you must then go without? This is often the case for shoppers caught up in the mob mentality around sale shopping. It is much harder to shop with restraint with shoppers around you grabbing every markdown item. Whether you realize it or not, this scenario does affect the way in which you […]

November 14th, 2017|Tags: Black Friday, Christmas, Christmas Shopping, Christmas Spending, consumer debt relief, consumer debt settlement, Creating a Budget, debt relief, debt settlement, Holiday Spending, Holiday Stress, Holidays, Online Shopping|

Top List of Holiday Stressors for Families with Children

According to a new poll from the American Psychological Association (APA), more than eight out of ten women anticipate a stressful holiday season due to financial concerns. The poll found that women are significantly more likely than men to worry about having enough money to purchase gifts.

“Many people feel overwhelmed during the holiday season, and given the current economic crisis, the pressures can be extraordinary,” says psychologist Katherine Nordal, PhD, APA’s executive director for professional […]

November 7th, 2017|Tags: Christmas, Christmas Spending, Christmas Stress, consumer debt relief, consumer debt settlement, debt relief, debt settlement, Holiday Spending, Holiday Stress, Holidays|

Are You Prepared For The Holidays?

Staying Focused on Your Finances During The Holidays

Are you prepared for the holidays? I’m not talking about home trimmings or festive wreaths. Let’s prepare for the long term financial repercussions of this wonderful time of year. Not before long the ghosts and goblins will be clearanced out of shops and all things harvest and holiday will be on display.

Let’s not be cynical, this is a joyous time of year. Nonetheless, it can turn into a […]

October 22nd, 2017|Tags: Budgeting, Finances, Holidays, Preparing for Holidays|

If You Have a HELOC Can You Sell Your Home?

A HELOC (home equity line of credit) is considered a lien against the home, just like a primary mortgage and a home equity loan. The value of the HELOC lien is the amount currently owed on the line of credit. For example, if you have a HELOC with a loan limit of $30,000 and you currently have a borrowed balance of $20,000, the current lien value would be the balance owed plus any HELOC prepayment […]

November 2nd, 2016|Tags: HELOC, home equity line of credit, Second Mortgage|

Should You Use Savings to Pay Off Debt?

Financial crises!

John is mired in a truly bad month. He needs an emergency root canal and his transmission is slipping badly. His landlord just decided to sell so he needs a moving company quickly and he received a pink slip yesterday when his company was purchased. His daughter is short on tuition money for next semester and his wife just filed for divorce after running up his credit card balances to their limits of […]

March 28th, 2016|Tags: consumer debt settlement, credit card debt settlement, debt reduction, reduce debt|

How to Make Time and Money Management Work for You

Money management can seem like a daunting task when it feels like there is very little time. We all have many responsibilities that seem to keep us from completing this task effectively or in a timely manner. Money management itself can also be a stressful topic for many people especially if it is an area of struggle. It is important to understand your connection with money and why you have that connection. If it […]

December 29th, 2015|Tags: consumer debt advising, consumer debt relief, money management, time management|

How to Have a Money Mindset and Achieve Financial Prosperity

Personal finance involves creating a budget, investing and saving for the future. However, knowing the building blocks for a personal financial foundation will not bring financial prosperity. Using this knowledge along with the right money mindset to take action will bring financial success.

Personal Relationship With Money

To have the right money mindset, it is important to determine your current emotional tie to money. Sometimes our childhood or how we live dictates our connection with money. At […]

December 17th, 2015|Tags: consumer debt advising, consumer debt relief, money management, personal relationship to money|

Using Money Management to Get Out of Debt

Money management is the process of budgeting, saving, investing, spending or otherwise determining how to use the cash you receive as income. It can be a struggle to effectively manage your money when you need to provide for your family, plan for retirement and have money set aside for emergencies.

Money dictates our quality of life, the kind of home we live in, what we can buy and our emotional state. Sometimes life challenges occur such […]

December 3rd, 2015|Tags: consumer debt relief, debt relief options, get out of debt|