Re-discovering the Fundamentals of Financial Planning
To lose weight in the 80s, we went on low-calorie diets. In the 90s, we switched to low-fat diets, and now, in the 21st Century, we are completely convinced that its all about the low-carb diet. What ever happened to just eating healthy?In a culture where everyone is looking for shortcuts, its not ... more...

Are You SURE Your A Bad Debt?
Many people who seek the advice and guidance of debt counsellors are driven to them in the first place by fear and ignorance two powerful emotions which often mask the real scale of the problems.In many cases, what you made have been led to believe is a bad level of debt, may instead need only ... more...

How Credit Scoring Works
The all important credit score! It determines the amount of loan you can get, it determines the interest rate at which you are charged for a loan, etc. Your credit score plays an important figure in your financial life. So what goes into making that all important score of yours? How does it ... more...

The Debt Free Lifestyle
Many people have been taught that you cannot get ahead without debt. We are also inundated with advertising telling us we can have anything we want. All we need to do is put it on our credit card.We have become an impatient society, we want it right now. We have lost the ethic of working for ... more...

Consolidate Debt With A Home Equity Loan
If you are a home owner who is having to borrow from Peter to pay Paul due to a mounting debt load, a debt consolidation home equity loan may be the answer. A debt consolidation loan will allow you to consolidate your high interest credit card and consumer loans into one low rate, affordable ... more...

Debt Elimination & Debt Consolidation Can Work Together
Debt elimination has always been my goal. But on this day, when I received the bill for the sudden replacement of the clutch in my car, the VISA bill and word that my daughter needed orthodontics for her teeth, how was I ever going to realize my debt elimination goals?Does that sound familiar? Its ... more...

Student Loan Consolidation Rates - Helpful Tips
Student loan consolidation has many benefits. Before you sign up on the dotted line, you should know how to get the best student loan rates. If you are tired of too many bills and monthly due dates, it may be time to find the best student consolidation loan you qualify for.The most obvious way to ... more...

Benefits of a Home Improvement Loan
Some of the many benefits of a Home Improvement Loan are outlined below. Home Improvement Loans are ideal if you need more space but cannot afford to move house. Lofts can be converted and extensions built. As the number of mortgage applications declines Home Improvement Loans are an increasingly ... more...

How to Stop Credit Card Company Abuse
Consumer complaints about credit card abuse continues to increase despite clearly defined federal regulations meant to stop abuse. By knowing and understanding your rights, you can stop abuse. Lets examine four common methods of credit card company abuse and what you can do to stop the victimizing ... more...

Bad Credit Debt Consolidation - What Are Your Options to Reduce Your Debt With Poor Credit?
To reduce your debt with a poor credit history, you have several options. While none will solve your credit problems overnight, they can help you get on better financial ground. A debt consolidation loan can help you reduce your monthly payments, while lowering interest rates. A debt consolidation ... more...

Manage Your Credit Wisely
Getting your first credit card is a big deal and all young people look forward to it with bated breath. We wait for years to be able to apply successfully for out own credit card. This is one of the first things that make us feel like real grown ups. Unfortunately for many they do not have any idea ... more...

Celebrate Your Freedom: 6 Important Freedoms to Celebrate Everyday
At the end of the movie "Braveheart," William Wallace is tortured but refuses to cry out. Just as he is about to die, he belts out one word-"Freedom!"Freedom is a word and a privilege that has been easy to take for granted in America. Since Sept. 11 our sense of freedom has been challenged like ... more...