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6 Car Loan Tips: How Much Car Loan Can I Afford?

6 Car Loan Tips: How Much Car Loan Can I Afford? Buying a car is one of the most significant purchases in life. However, it could turn out to be a grave financial mistake if not executed carefully. Although the buyer might not realize it, this decision is most likely clouded by emotions – especially for first-time car owners. This could lead to the owner ending up with a complicated piece of equipment that is more of a … [Read more...]

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Improve your credit score now!

How to improve your credit score Did you just check your credit score and it sucks? What are you going to do? Here are step by step instructions on how to improve your credit score. It won’t happen overnight but it can happen sooner than you might think. Have you ever heard of people who after going bankrupt were able to purchase home within a couple of years after? It’s possible. Whether you are trying to buy a … [Read more...]

The best way to get out of debt

What is the best way to get out of debt? There are only 2 ways to get out of debt, make more money or reduce your expenses. Both of those options include discipline and budgeting. How to make more money? This may sound silly but sometimes just making a little more money can make your financial life more manageable. Here are a couple of ideas of how to make more money. If you are currently employed maybe there is a … [Read more...]

Does it make sense to Consolidate Debt?

To Consolidate Debt or not to Consolidate Debt? That is the question. The answer is ... most likely yes. If you have the creditworthiness to have several higher interest rate debts consolidated to a lower interest rate than it's hard to see why it wouldn't make sene to do. When thinking about consolidating your debt there is really only two considerations to make, will you have lower monthly payments and will you pay … [Read more...]

Check your Credit Card Ratings

Benefits of good credit ratings Let's talk about rating your credit card and what it can do for you. Are you feeling the love from your credit card company? Many credit card issuers offer perks to get your business. The benefits typically increase with better credit scores and credit histories. Here's a rundown of the most popular offerings so you can see how your credit card stacks up. Remember the best offers goes … [Read more...]

Do-It-Yourself Credit Card Debt Consolidation

Do-It-Yourself Credit Card Debt Consolidation Image via Wikipedia When the economy was still fit as a fiddle and life was a bed of roses, credit card companies were the consumers’ best friend. But as the economy went downhill, the roses became nails in the form of unemployment, a pile of unpaid financial obligations, including credit card debt, collection letters and harassing collection calls from creditors. As if … [Read more...]

Dave Ramsey - Snowball Program

Dave Ramsey - Snowball Program How do you get debt relief? If you are not totally in over your head with debt and can afford to make a plan to tackle your debt you may consider the possible benefits of using a system devised by Dave Ramsey called the Snowball approach. One major question people have is what bill should they be paying first. Check out Ramsey's approach and see if it makes sense for you. Here are few … [Read more...]

Getting In The Driver’s Seat of Your Car Loans

Getting In The Driver’s Seat of Your Car Loans Car loans make it easy for people to own a means of transport. Just as the car you loaned for provides comfort when you travel, paying for your car loan must also be comfortable and manageable. However, when not properly steered, they can send your finances careening and hitting the skids. So before taking out an auto loan, consider these budget pointers. 1. Your Car Loan … [Read more...]

Rebuilding Your Credit Score

Rebuilding Your Credit Score Credit Debt Management - Responsible Use of Credit Like Aladdin rubbing his magic lamp, swiping a credit card may allow you to possess on impulse anything that costs within your credit limit. However, when the due date for payment arrives, no Genie pops up to make your financial burden disappear. After all, credit is not as effortless as magic. There are corresponding financial … [Read more...]

Top 5 ways to improve your credit score

Top 5 Tips to improve your credit score So you have had some debt problems in the past and your credit score was in the tank but now you’re back on the right track, here are some tips to help you build your credit score back up to its former glory. 1. Credit Monitoring Knowing what is on your credit report is a big deal. Up to 70% of all credit reports have errors. Look at yours. If you have errors … [Read more...]

Get your finances from "0" to "Hero"