Payoff Debt

These mistakes can hurt your credit score

in Payoff Debt

Having a bad credit score can hurt you in every area of your life – not just in the ability to take out loans. Employers in many circumstances can run credit checks, and a bad credit score might be the deciding factor in giving the job you applied for, to an equally well-qualified candidate with [...]

What Is A Credit Score And How Can You Find Out Your Credit Score?

If you are in debt and concerned about paying it off, you’re probably aware that too much debt, late payments, or worse, missed payments, can negatively effect your credit score. But what is a credit score? And how can you find out what yours is? Fair Isaac Corporation was founded in the 1950s by an [...]

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Pay Down Debt

When you’ve got numerous bills and you need to pay down debt, it can be challenging figuring out which bills to tackle first. In fact, for many people it is so overwhelming that they put it off completely, making late payments – which  trash their credit – or try to please everyone by writing a [...]

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The Money Diet

When you want to lose weight, you go on a diet. When you need to trim fat from your budget, you need to do the same thing – go on a money diet. The trick in stretching your budget lies in ‘trimming the fat.’ Recent surveys say the average debt per American household runs over [...]

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How To Enjoy Your Luxuries And Still Pay Off Debt

One of the biggest mistakes that you can make when planning a budget is to only budget for the bare essentials – rent, mortgage, electricity, groceries, car payment, insurance, etc. Why? Because you’re not going to stick to a budget like that forever, any more than you are going to stick to a diet of [...]

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Deciding if Bankruptcy is Right For You

If you’re drowning in debt, the temptation may be just to throw up your hands, walk away from it all, and declare bankruptcy. That is TRULY only a last resort, for numerous reasons. One of those reasons is that it’s not that easy to start over with a clean slate any more. An onerous law [...]

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10 Ways To Raise Some Quick Cash

If you are in debt and having trouble paying it off, obviously, raising some quick cash can take a little pressure off. It’s always good to have a stash of emergency spending money on hand, or to put some extra money towards your bills. Here are 10 ways to raise some extra money right now [...]

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Debt Consolidation Loans

If you owe money to multiple creditors, you know what a pain it is to pay numerous bills every month. You’re also probably seeking to lower the total monthly amount that you pay. A lot of people in these circumstances consider turning to debt consolidation loans – but there are some things that you should [...]

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Sneaky Debt Collector Tricks

Debt collectors are not your friends. Yes, you need to pay off your debts – but you don’t have to put up with being harassed, threatened, intimidated, and stalked. So here’s some advice and some words of caution. If you get calls from a debt collection agency, you may want to consider asking that they [...]

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First Steps To Paying Off Debt

William Shakespeare had some wise advice regarding debt: “Neither a borrower nor a lender be; For loan oft loses both itself and friend”. Apparently most people in America aren’t listening to him, because by 2008, total household debt totaled $13.8 trillion. And in 2009, unfortunately, we’re seeing the end results of that debt-fueled lifestyle as [...]

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