Everyone should be asking themselves at one point or another – “Should I Pay Off My Mortgages Early”?
When choosing whether to pay down debt or invest, the primary factors are the interest rate on the debt and what rate of return you think you could safely achieve by investing. Sometimes, however, this calculation isn’t as [...]
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Returning to familiar territory after a period of absence can bring back a flood of memories. Some are good, others might be bad but these mental pictures almost always generate a new perspective to the whole situation.
For many that were successful in getting out of debt, the struggles and the stress of paying high [...]
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Imagine for a minute that you know two families – both have similar household income and both started out with nothing in their bank accounts. Now, let’s assume that one family (we’ll call them DebtBag) likes to keep up with the jones. The family starts to buy million dollar homes, multiple Mercedes and [...]
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I don’t believe in “good and bad debt”. Debt is debt is debt is debt. Whether it’s out of necessity or due to a sudden lost of sanity, borrowed money is a liability that needs to be paid back.
The granddaddy of “good debt” is, of course, a mortgage. Most home buyers couldn’t buy a house without [...]
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In the modern era where credit cards are so convenient, loans are so common and debt is socially acceptable, it’s extremely easy to get into debt. I still have vivid memories of the two people that sold me on my college credit card. It has the school logo on there and best of [...]
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Mathematically, it’s obvious that paying off loans with the highest interests rate first makes the most financial sense but as you may know, some financial experts promote “paying off the smallest loans first” (example, Dave Ramsey’s version of the Debt Snowball). Why do they do that? Let’s take a look today.
Smallest Loan First
The smallest loans [...]
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This is a guest post from Joseph from Debit versus Credit outlining his plans to prosperity. If you’d like to see more, hop over to his blog! Enjoy!
I’ve made mistakes in my life, especially financial mistakes. I’m not proud of them, but then who is ever really proud of their mistakes? I [...]
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Even though the second stimulus check proposal was voted down a while ago, there are talks again surrounding the need for another one. Personally, I never really thought it was a great idea, as I share the view that we should really be spending money our social programs which are badly imbalanced at the [...]
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This is a guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling.
Credit bureaus, also referred to as credit repositories, are an entity that gathers information about consumers’ credit histories. Your credit history includes information concerning your identity, your payment habits, and your public record. Credit bureaus sell credit reports [...]
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This is a guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling.
With the economy the way it is, many people have severe financial difficulties. For most, it is usually the last resort but there are some people that give up early and declare bankruptcy, sometimes without even considering any [...]
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This is guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling.
If you even know what plastic generation refers to, you are likely part of the generation that I want to discuss about. This generation is between 20-30 years old that pay for everything with a plastic card and [...]
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This is part two of two part guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling. If you’ve missed part one on credit reports, click here.
The credit repair scam artists can never deliver what they promised. Only a deliberate effort for a very long time and a plan to [...]
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This is part one of a two part guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling.
Newspapers, radio, TV and the Internet are filled with advertisements that offer to erase accurate negative information in your credit file. The credit repair scam artists who run these ads can’t deliver. Only [...]
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This is a guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling.
Have you ever heard this before: “Credit Problems? No Problem!” “Your Bad Credit Erased…100% Guaranteed”?
Beware if you have ever read this type of advertisement! There are numerous companies throughout the United States that claim they can “fix” your [...]
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