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Financial stress is common if you are forced into frugality because of a lost job, divorce, death in the family, or being over your head in debt, etc. This can lead to feelings of insecurity, fear, anxiety, anger, and, of course, depression. These feelings can also cause you to make poor money management decisions. These […]

How do you get credit cards that fit your current bad credit situation? Research the cards available, and within the same 2 week period, apply for several to see if you can qualify for the better rate cards first.  If you can’t, and only when you really can afford it, apply for a credit card […]

How can the envelope system of money management help you? Learn how this unique budget setup can help you with money management and debt relief. One of the more common problems with budgeting is the discouragement people face when they realize they have the rest of the month left but no money. Don’t feel alone, […]

Do you know what your “debt traps” are? What you need to know to avoid debt traps and how to get out once you are caught in the financial quagmire? We love to use our credit cards and involuntarily love debt as well! Knowing that you can easily and conveniently have access to expensive items […]

Are you looking for some debt settlement reduction tips that have worked for others in similar financial situations? Or, do you have a debt settlement story of your own to share? Debt settlement can be an effective way to relieve overwhelming financial pressure, but it isn’t the right choice for everyone. Here are some useful […]

by Celynne (Canada) Having no emergency fund has almost ruined me! I remember reading books on budgeting and finance and their advice to be sure to have an emergency fund set up that should consist of three to six months of your salary. I would always think that it was impossible to have that much […]

Debt to income ratios compare how much you owe with how much you earn. They provide a basic idea of your financial health. The lower your ratios, the more you have to save or spend on other things. Here you will learn how to use them in debt management. Your ratios are the percent of […]

Debt consolidation agencies will provide a Debt Management Agreement prior to negotiating with your creditors. You need to carefully review the DMA. This is very important because you may have little recourse later if a dispute arises. Here are some questions to consider prior to signing the Debt Management Agreement: Most reputable agencies charge a […]

Helpful debt consolidation tips are just a click away! Ask for advice, give some tips, and help yourself as you help others. Motivate and be motivated to get out of debt. Debt Settlement vs. Debt Consolidation vs. Credit Counseling: Learn what others did that helped them get out of debt faster. And you’ll learn what […]

A debt consolidation service interviews you, gets all your debt and income information, then comes up with a repayment plan to fit your budget. Once you agree to the repayment plan, they will contact your creditors and negotiate on your behalf. Basically, they are the same as Consumer Credit Counseling. What They Can Do For […]