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Creating a budget is more than just tracking things. You also need to comb through your household spending and cut out the waste. This is essential to getting your financial life back on track. Some of those things you thought you couldn’t live without are draining your money. The time and effort you spend here, […]

There are many health cost solutions that you can use to change your life when it comes to medical costs. We all have health and medical needs — even if it is nothing more than a regular checkup. However, as we all know, medical costs can really put a damper on our finances. This is […]

by Jessica (Virginia) I am an enabler…there. I said it. I left home with nothing more than a job and 1000 dollars. I got an apartment by myself and I thought the world was my oyster. I had a great job, I was going to school so I could eventually earn more and I was […]

What Is A Credit Report and Why Does It Matter We have already mentioned this concept before. Although you now what it is and how important it is, you have probably never seen your own report. Although this report has a significant impact on virtually every aspect of our financial status, most of us do […]

Flexible payment mortgages are considered one of the more useful Adjustable Rate Mortgages, also known as an options mortgage. This type of mortgage is useful for people whose income fluctuates over the year. Examples of this would be teachers. Teachers earn most of their money during a portion of the year. While teachers may find […]

Fair Debt Collection is the law! Check out these commonly asked questions from the FTC about your rights. You need to learn the facts about handling collection actions against you. What debts are covered? Personal, family, and household debts are covered under the Act. This includes money owed for the purchase of an automobile, for […]

Recently I was asked to outline how to set up your envelope budgeting. So this article will outline what you need and how to calculate the items for each envelope. First you will need a list of all expenses in your budget. If you haven’t set up a personal budget yet you will want to […]

Looking for tips on how to lower energy bills? By implementing 10 easy home energy saving ideas, reducing home heating costs is a breeze, and lower cooling bills are only a step away. These 10 easy energy saving ideas can help in reducing heating and cooling costs as well as lowering costs for other utilities. […]

When should I file bankruptcy? What are my options? When considering declaring personal bankruptcy, there are two basic types offered under the U.S. Bankruptcy Code: Chapter 7 and Chapter 13. Making the decision to file for bankruptcy may be one of the biggest financial decisions you will make in your life. Chapter 7 Bankruptcy Chapter […]

Could you use some free debt settlement tips to help with your debt? Can you get a loan to payoff negotiated debts? What taxes do you have to pay on settled bills? These simple tips can help you negotiate with your lenders, get a debt settlement loan, and determine the taxes you will have to […]