June 5, 2013
Many people who haven’t saved enough money, or who suffered a financial setback during the recession, ask me if it’s too late for them to make a difference in their personal finances.
My immediate response is: What do you want to accomplish...
March 4, 2013
I know it sounds crazy coming from someone who filed for bankruptcy, but I want to start rebuilding my credit.
January 11, 2013
It has been said the the first step you need to take is admitting you have a problem - and debt issues are no different. Unfortunately, most people are embarrassed to admit their money woes to others. However, it might be time to get professional...
January 2, 2013
I am occasionally reminded that while I might enjoy reading personal finance blogs and thinking about how to top off my savings accounts with unexpected cash flows, not everyone...
December 28, 2012
Most credit card users know it is folly to rack up big balances and pay interest and penalties for years. But as the pricy holiday season winds down, let’s be realistic: Sometimes you have no choice but to...
November 9, 2012
Many people who intend to hold only a couple credit cards wind up with a half dozen or more.
This can happen because they accept balance transfer offers to...
October 10, 2012
The purpose of seeking consumer credit counseling to get help getting out of difficult financial situation. Credit counseling helps manage your finances in distressed situations does not...
September 19, 2012
In today’s credit environment, it is difficult to get a bank loan (or access any credit, really) without any previous credit history. However, it is not impossible....
September 18, 2012
Not long before proposing to my wife, I joined the ranks of men who go through the ritualistic education in the 4 Cs of diamond quality.
Like the others who have gone before me, I felt immense pressure to make a “forever” decision that...
September 13, 2012
When you put a freeze on your credit, each bureau will give you a personal identification number (PIN). They are likely to be all different. Don’t lose these. Trying to get a security freeze lifted when you have forgotten the PIN necessary to...