Ask any millionaire about attaining wealth and the first thing they will tell you is to get rid of your debt.As the bible states, “The borrower is slave to the lender.” Debt has been the reason why many people have failed financially and cannot prosper. The sad reality is that most people in the world are harboring some form of debt. Some people have referred to debt as cancer that eats away their mind and drains … [Read more...]
The Art of Budgeting
Getting a grip on your finances is one of the most important things that a person can do. One of the scariest statistics around is that many people are one paycheck away from being out on the street.Many people live from month to month and have no savings. They don’t even have a plan about investing money or how to minimize their expenses while trying to increase their income. One of the first things that finance schools … [Read more...]
How To Buy A House With Bad Credit: Complete Guide
Purchasing a home is still one of the most important life milestones. It not only contributes to a more stable financial future but also perpetuates a sense of community and belonging for many. It is also a stressful process littered with potential pitfalls along the way. This is especially true for people that have not planned effectively to buy a home and thus don't have the credit profile ideal for making such a major … [Read more...]
REI Credit Card: Is It Really Worth Applying For?
The value proposition presented by the REI Credit Card will be explored in this article, comparing it to the Dick’s Sporting Goods credit card, as well as the Chase Freedom and Citi Double Cash Card credit cards, to frame the REI Credit Card amongst its competitors.When choosing from among the many credit card options available, the benefits and the rates should be your primary focus. Rewards can be in the form of … [Read more...]
Overcoming Your Debt Burden and Discover Financial Peace through Financial Peace University
Overcoming Your Debt Burden and Discover Financial Peace through Financial Peace University Financial Peace University (FPU) is a nine-lesson class on money management taught by the American financial guru, Dave Ramsey. It is ensconced in a seven-step practical module that enables current income earners at all stages to manage debts, their spending behavior, and to orchestrate a feasible projected financial plan. … [Read more...]
How to Do a Balance Transfer
Whether you’re looking to save money, pay off debt faster, or both, a balance transfer can be a great solution to get ahead. The balance transfer is a highly valuable strategy you can use to improve your financial position. Credit card debt can be intimidating, especially when interest and related charges stack up. The balance transfer is a way you can take control over your credit card debt and begin to gain ground and … [Read more...]
What Is the Statute of Limitations on Debt?
What Is the Statute of Limitations on Debt? Assuming good character and responsible financial stewardship, consumer debt can still plague borrowers for years. A volatile economy, unforeseen health care expenses, sudden unemployment or hostile litigation can each siphon large amounts of money from financial holdings. This leaves many individuals and families at a loss when it comes to making payments on credit cards and … [Read more...]
7 Best Debt Consolidation Loans to Access in 2018
7 Best Debt Consolidation Loans to Access in 2018 Debt is baked into the national economy. In fact, without a robust level of borrowing, economic indicators suffer. Yet this practice has dangerous implications when leveraging too highly. Many households have difficulty maintaining timely payments, especially when unexpected job losses or medical expenses arrive. Fortunately, there are lenders that offer programs to … [Read more...]
4 Tips on How to Build Credit after Bankruptcy
4 Tips on How to Build Credit after Bankruptcy Going through a bankruptcy is a difficult experience that often results in frustration and despair when it comes time to rebuild your credit profile. However, the process is not as difficult as you may think and doesn’t take too much effort to start today. Our article is going to teach you how to build credit after a bankruptcy in four simple steps. 1. Establishing a … [Read more...]
What Is AFNI on Credit Report and How to Remove It?
What Is AFNI on Credit Report and How to Remove It? A common negative entry that many consumers may find on their credit reports is AFNI. Though it can be confusing at first, it’s important to note that AFNI regularly purchases the rights to a wide range of consumer debt types. In our article, we will be explaining what AFNI on credit report is and offer four ways to help you get it removed from your credit … [Read more...]