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Debt Management, Relief & Consolidation

Debt Management, Relief & Consolidation
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How to Rebuild Credit After Bankruptcy

Get a Fresh Start: How to Rebuild Credit After Bankruptcy Are you worried about your credit? Are you scared because the unpaid bills are mounting up? Are you concerned that financial ruin is around the corner. Filing for bankruptcy might help in that it is the first step that will help to eliminate your debts. Many people shy away from bankruptcy, fearing it will ruin their credit report and lead to complete financial ruin—such isn’t the case. The fact that you have been missing bill payments for a period of time already means that your credit is already impaired. The only way to fix it is to demonstrate that you can consistently meet your bill payments as they come due. The advantage of doing a bankruptcy is

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Debt Management, Relief & Consolidation
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How to Make Money Without Actually Spending Money

I’m going to share with you how my husband and I make money without actually spending money, or very little money. We call it “junking” and you can make as much or as little as you want. All you need to get started junking is a good eye for items that can be repurposed or brought back to their former life and then sold for a profit. So how does junking work? Well, the items you select need to have good “bones”; or, in other words the items are not pieces of junk that are falling apart. We like to work with furniture so we make sure the legs and arms are strong and the main frame of the piece is still in good condition. Look for

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Debt Management, Relief & Consolidation
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Helpful Money Managements Apps

5 (Mostly Free) Helpful Money Management Apps to Try In a fast-paced world whose pace is only getting faster, we’re always looking for time-savers. These days, it’s possible to do just about anything through an app on your smartphone or tablet-including managing your personal finances. Understandably, you may have reservations about plugging your sensitive bank information into an app of questionable origins. That’s a good thing. You should definitely be cautious about what (or who) you give access to your bank accounts. If you’re just not sure about it, it’s probably best if you don’t budget with an app that requests your banking info. If you do choose to use a budgeting app, here are the 5 we’ve found

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Debt Management, Relief & Consolidation
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Comparing Payday & Logbook Loans

Image courtesy of Stuart Miles / FreeDigitalPhotos.net Logbook Loans and Payday Loans have grown in popularity as a financial solution in recent years. You might think that they both serve the same purpose by providing cash in a hurry when you need it, sometimes within hours – but there are important differences between them. We’ve compared them in detail here, with a quick-view summary at the bottom of the page. What’s the difference between a Payday Loan and a Logbook Loan? A Payday Loan is a short-term, high interest loan from £50 to £2,000 that you borrow against your next or next few wage payments. A Logbook Loan releases equity in a vehicle – a car or a van – of between £300 and £25,000

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Debt Management, Relief & Consolidation
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Top Tips for Super Scrimping

Image Courtesy of Stuart Miles / FreeDigitalPhotos.net If your firm’s finances are squeezed, just getting by from week to week might be a challenge. However, there are ways to cut your company’s spending while still accessing the goods and services you need. The following top super scrimping tips should ease the pressures on your bottom line. Reduce and reuse All too often, we fork out for new products when we don’t strictly need to. With a little ingenuity and the right tools, you can curb overspending and make once worn-out items look like new. One way to prevent excessive consumption and waste is to keep an accurate inventory of your supplies. Firms often order in new items when they don’t actually need them. Instead of relying

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Debt Management, Relief & Consolidation
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Teachers: Broaden Your Horizons by Teaching at International Schools

Do you have a teaching degree and a desire to sample life in other places around the world? Take your skills on the road to teach at international schools! Read on to find out how. International Schools – What They Are The term International Schools is a catch-all for schools abroad that teach a curriculum different to what is offered locally (and in a different language, such as English), often to children of expats or employees of foreign embassies. Sometimes they’re called American Schools, British Schools, or even DoD (Department of Defense) schools. Ivan Velasco and Kate Harvey have been teaching at International Schools around the world for the last 17 years (they met at the airport in Kuwait as they were both landing for their first teaching

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Debt Management, Relief & Consolidation
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Don’t Throw Away Junk Mail Without Reading it!

There’s at least one piece of junk mail in my mailbox every day. There are repeat offenders such as credit card offers, which I get extreme pleasure out of putting them immediately through the shredder, the realtor that we used to buy our home, and even ads from grocery stores. One of the worst offenders, however, is my car insurance company. It seems I get something from them every day trying to sell me life insurance, buy one of their retirement planning products, or just requesting me to come in and have all my needs reevaluated. They usually end up in the trash half opened. Which is exactly where a particular one I received recently was destined to end up? But as I ripped the envelope open

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Debt Management, Relief & Consolidation
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10 Reasons you should get out of Debt

Image courtesy of Stuart Miles / FreeDigitalPhotos.net Time for an inspirational post today. There hasn’t been a post of 10 things on Debt Advice Blog for a while so I decided it was time to change that and came up with the idea of 10 Reasons why you should get out of debt. Of course this could read as 10 Reasons why Rob should get out of debt but you get me right? It is also one week since I started this crazy thing of posting every day for 30 days. I kept it quiet because I thought I would fail but so far so good! OK I think I have padded out the introduction now so here we go… 1. You will stop worrying about your Debt If you get

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Debt Management, Relief & Consolidation
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Frugal but Healthy Home Remedies from Grandma’s Time

As we move into October, I started thinking about winter and some of the unpleasant things it brings our way. Things that we don’t seem to have much control over; such as catching a cold or, even worse, the flu. I usually spend at least half the winter coughing and no known over-the-counter prescription seems to bring about a cure. Then, there’s the dreaded “congestion”; when you actually pray for just one good breath. In a time of soaring health care costs – when a single trip to the doctor’s office can cost hundreds of dollars and a visit to the hospital emergency room can balloon into thousands – it is comforting to know that there are many everyday health problems that you can safely and successfully

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Debt Management, Relief & Consolidation
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Tracking The Progress Of My Hardest Hit Fund Program Application

(Almost) Everyone knows about the housing crash that ruined many peoples’ lives and help throw the country into an economic tailspin. Lots of people are aware of the government’s Home Affordable Refinance Program (HARP) and Home Affordable Modification Program (HAMP) that came from that financial ruin. Few people have heard of the Hardest Hit Fund, which was for all intents and purposes a “bail-out” for the states that were…you guessed it!…the hardest hit by the housing crash. I happened to stumble upon the site and said “what the fuck, I qualify so let’s see what happens”. Here’s the backstory: I purchased my home at the end of ’06 which apparently was pretty much the top of the market. 2

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