If this is your first time visiting, check out the story behind this blog. Otherwise, please join the others by subscribing to my RSS feed or get updates via email so you don’t miss any personal finance articles!This is a guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit [...]

Often, we lack motivation and resort to looking for excuses why something is unnecessary, why the task should be done by someone else and why we can wait till tomorrow to do it.  In the meantime, we search for tips and tricks all over the place to help boost our motivation.  Most of the suggestions [...]

One of my readers congratulated me on being quoted on the New York Times recently! With more and more people starting to look at blogging as a source of insightful information, there is no doubt that blogging is becoming main stream.
As a reader of this blog, you can take pride in knowing that you [...]

I received a postcard from Countrywide Home Loans yesterday advertising the benefits of their home loan program. Features include:

Down payment and closing cost assistance
100% financing
No minimum credit score required
Flexible qualifying guidelines
30, 35 and 40-year loan terms available
Fixed rate and fixed period Adjustable Rate Mortgages (ARM) options

During the housing boom, many of these loan agencies [...]

Sandy knows she is growing her savings by having a surplus each month and putting it in high yielding online banks. When she was puzzled about budgeting, she wrote in and said:
I have $100,000 saved up in bank accounts by following good frugal practices that you and others outline. I however don’t budget and never [...]

Larry King Live on CNN interviewed two families in trouble because of the recent housing crisis last night.  The first family was starting to get behind on their payment, while the other already lost her home and is now living in her car!
Overview of the Two Situations
Family Hope
The first family (which we will referred to [...]

My parents taught me so much of what I know today.  The importance of living below our means, the understanding of money matters and the appreciation of compound interest are all values that were ingrained into me at a very young age.  I remember my mom used to tell me “there are always ways to [...]

Things happen in life. If we always choose to ignore the problems, it will eventually snowball into a much bigger crisis. This means that we need to take care of the issues first even if it will sometimes bring us down emotionally. In order to stay motivated through these events, it is [...]