Debt Relief Companies – Tips for Finding Debt Relief Companies and stay away of Inconvenience When you are trying to find debt relief companies, just use reliable links. Plenty of firms purchasing and selling online are frauds. It’s difficult to focus on the primary distinction between an unauthentic firm together with a strong operating legally. […]
Recognizing the Signs of a Debt Counselling Scam
As you begin your search for a debt counselling agency, there are several things you should look for and be aware of. Below is a simple list of some signs that should set off your ‘scam alert’ detector. Steer clear of any agency that advertises on television These may or may not be scams, however, […]
Free Budget and Cash Flow Worksheet
A monthly budget worksheet, also known as a monthly Cash Flow planning statement or profit and loss statement, are used to track and report your expenses so you can plan your budget accordingly and plan ahead for the future. To have a realistic and workable budget, it’s important to get an accurate number for each […]
5 Great Money Saving Tips
Everybody wants to save money, but few people really make the effort. If you are one of the few, the benefits can really add up: literally into thousands of dollars a year. And remember, budgeting and saving go hand-in-hand, so if you’re consistent and determined in both areas, you can make a big difference in your budget and your bottom […]
Does Debt Settlement Affect Your Credit Rating?
Learn about Form 982, 1099-C, The Truth about Reporting Forgiven or Cancelled Debt as Income, and How You May Be Able to Avoid Paying Anything By Declaring Yourself Insolvent. *Disclaimer: I am not a tax professional, nor do I claim to be one. Any information on this website is based on my experience and is […]
3 Reasons To Pay Off A 0% Interest Loan
A few days ago, my husband and I paid off the remaining 40% (~10k) of my student loan. The money was owed to my parents, and was interest free. Up until recently we had been paying $300 per month and had about 3 years before it would be paid off. They weren’t pushy about it. […]
Dealing with Debt Collectors
Nobody likes the idea of dealing with creditors. There aren’t many collection people who are either kind or nice to me when I was struggling to pay my bills. They usually approached the conversation in attack mode which of course put me on the defensive and it seemed that no matter what my answer it […]
How to Become Debt Free
What do you value in life? Often when I ask people that question, they have to stop and really think about it. Hmm, what do I value? I can hear the wheels turn in their minds as they begin to think about what matters most to them. Values are the part of you which is […]