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10 Hot Xmas Gifts Under $10
Proof that the best Christmas gifts don’t have to be the most expensive. Here are some of my gift favorites under the price of $10.
One quick tip, to avoid making your gift look cheap even though it may be, try avoiding overcompensating with lots of cheap items. You may think that more implies you [...]
Top 10 Tips for Saving Money During the Holidays
Holiday spending does not have to put a burden on your wallet. Here are 10 ways to save money during the holidays.
photo credit: Paul Keleher
1. The first thing you can do is to start early with your Christmas shopping. If you shop early, you won’t feel the need to buy the first [...]
Is Bankruptcy the Right Option for You?
Bankruptcy devastates your credit and it also makes borrowing money nearly impossible. In some cases, it can even prevent you from renting an apartment or getting a job. Although bankruptcy will normally come off your credit report after 7 to 10 years, most lenders will ask if you have ever filed.
If [...]
Four Tips about Financial Planning
Financial planning is a very broad topic. It includes things such as budgeting, debt management, retirement planning, etc. Here are four tips to help you with the basics of financial planning.
1. Budgeting is a very basic component of financial planning. You need to know how much money you have coming in, [...]
Reducing Debt Using The Snowball Method
There are many different ways in which you can reduce both the total and monthly burden of your debt but the secret is to find a method which is simple and which you will be able to stick to month after month until your debt is cleared. One such method which has been used by [...]
How Much Debt Is Acceptable?
There are very few people today who are not in debt and when you consider the cost of buying a home, getting a car or helping your kids through college it is easy to see how debt can quickly accrue. But just how much debt is acceptable?
How To Deal With Debt
When it comes to debt it is very easy to know that you have a problem but do know just how big that problem really is?
Do You Need A Debt Counselor?
Getting out of debt is very much a matter of practicality but it is all too easy to overlook the fact that it is also often a matter of emotion. Most people are aware for many weeks, months or even years that they are getting themselves into a financial mess and yet they continue to [...]
Are Low Interest Credit Cards Good Or Bad For People In Debt?
Whether you are in debt or not credit cards are simply a financial tool and, like most tools, they can be used to your advantage or to your disadvantage.
Credit cards were originally designed to provide convenience, reducing the amount of cash which you needed to carry with you and enabling you to make purchases over [...]
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