Credit Card Woes
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With the new legislation passed by Congress taking effect soon that will limit the rates and fee increases that credit card companies can charge, many companies are making last minute changes to their cards. Keep an eye on your statement for July and August to see if there have been any changes to your rates [...]
Discharge of Debt – Cutting my Credit Card Bills
There are many companies out there offering ways to reduce credit card debt. While this sounds like a great idea, you need to get more details. After all, if it sounds too good to be true, it probably is. What these companies are not likely to tell you is that they usually reduce your income [...]
What if I get laid off?
Christmas is literally just around the corner and the market delivered more bad news today. In November a record 533,000 people lost their jobs and 1 in 10 families is behind on their mortgage. That doesn’t paint a very pretty picture of the economy or encourage must optimism in market forces. Instead, many people are [...]
Making a Budget Stick
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Budgeting is like dieting, people always start out with good intentions but often fail to see it through. One reason for this is unrealistic expectations. The best way to budget is to make it a life change by doing a lot of little things to save money and live within or under your means. One [...]