Using Credit Cards Wisely
Using credit wisely is a good habit that, with only a little financial education, you can learn quickly. Using credit cards wisely will enable you to save money by avoiding late fees or penalties for exceeding credit card limits. You can even learn how to pay NO interest and have your credit ... more...

Do your Budgeting with Targeted Bank Accounts
A lot of people hate budgeting, or just plain refuse to budget, thinking it unpleasant and restrictive. Actually a good financial plan, including a budget, puts you in control of your finances, rather than the other way around.The first step is the hardest: figuring out what you spend every month. ... more...

How To Get A Credit Card No Matter How Bad Your Credit Rating
Your credit is bad. Perhaps you have a string of unpaid bills haunting your past. Maybe you declared bankruptcy within the past 10 years, or defaulted on a student loan.All of the above can block your access to obtaining a major credit card, such as VISA or Mastercard.But bad credit is not the ... more...

Using the Internet to Manage Your Familys Finance
The effectiveness of managing family finances has never been more significant, as parents struggle to find a balance between work and family life. A recent study by Mother and Baby magazine has found that new parents are getting less sleep than previous generations, with new mums struggling to ... more...

Refinance Car Loans - Refinancing Your Car Loan Online is Convenient
Refinancing your car loan online is now more convenient. Your online application can be approved within an hour with most online car loan lenders. In as little as a day, you can have a check in hand to pay off your old lender and start saving money.When To RefinanceA decline in interest rates is ... more...

20 Year Term Life Insurance
One of the most popular life insurance policies is the 20 year term life insurance policy. The purchaser of the policy usually pays a level premium for the first 10 years. In some cases the premiums remain level, and at the same rate, for the entire 20 year period, however most companies increase ... more...

Credit Traps Snag Consumers
Nearly 20 years ago I worked for a small consumer advocacy organization in Washington, DC. Each week we received sacks full of mail from consumers across the country requesting our list of credit cards with low interest rates and no annual fees. If you wanted a low interest rate on a credit card ... more...

Loans and Debt Consolidation Finance - Understand How Debt Consolidation Works
Debt consolidation reduces your interest rates and monthly payments so you can get a better handle on your credit. You can finance your consolidation through any of a number of lending companies. Once your promissory note is signed, pay off your accounts and focus on one monthly payment.The Goal Of ... more...

Property Investing Secrets 1
When property investing, pay the seller their asking price but negotiate the terms under which you can buy property. Youd be absolutely surprised when property investing at how many sellers will help fund you into their property. Basically, youre receiving vendor finance from the seller.Lets take ... more...

Selfish or Self-Loving
Selfish is such as nasty word, isn't it? If someone calls you a "selfish cow" - it hurts. After all, society tells us that we have to think of others first. We need to give before we can receive. We have to consider our family and friends when making a decision that will affect our lives ... more...

Personal Finance - Have Consumers Had a Belly Full of Personal Debt?
For months, we were trigger-swipe happy, putting our groceries, clothes, holidays and service charges on our credit cards. We wanted mortgages, we took out loans, we watched Property Ladder and What Not To Wear. Whether you were born middle class, had middle class aspirations, you became middle ... more...

Debt
We all know about debt. If you don't have too much as an individual you can increase the quality of your life, but with more than you can handle it can make your life a nightmare.There are two kinds of debt. Usually it is personal and used to buy a depreciating item such as a car or entertainment. ... more...