Fix My Finances
Helping You Get “Back In The Black”

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 [...]

To combat the issue of rising foreclosure, Congress recently enacted HOPE for Homeowners.  This program is designed to help homeowners who are at least three payments behind on their mortgage but have not filed for bankruptcy. If you qualify, the program extends the terms of the loan, meaning you will be paying a lot more [...]

Pinch me, I must be dreaming.  A 4 bedroom 2.5 bath home with over 2,000 square feet built in 2006 is going on auction starting at $10,000.  This isn’t just a rare deal, there are plenty of others available as well. In this current market life is pretty tough if you don’t have any savings [...]

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 [...]

With the economy going downhill and difficulty getting a paycheck, it can be hard to fix finances. One key thing to remember when you are living paycheck to paycheck, is to work with your creditors. Many of them will work with you to make a partial payment. Even if you pay just a few dollars [...]

Many people try to fix finances by going into debt to improve their credit score. They think that the more credit cards they have; the better. This is not the case at all. Having a lot of debt in comparison to what you make is not a good thing. In fact, it will only serve [...]

Whether your goal is to pay off debt or build wealth, chances are you can use some of your interests to generate extra money. Some of the ways to make money with your hobbies are to offer lessons, blogging, selling arts and crafts or providing services. If nothing else, monetizing your interests can offset the [...]

One of the first things that happens when you stop avoiding your debt and look it head on in an effort to fix it is an overwhelming feeling of guilt. You feel like you should have started sooner, done more when you could, wasted less money on worthless stuff when you were younger. You feel [...]

Do you owe more than you make? Unfortunately this seems to be the case for people more and more these days. There are some things you can ask yourself to determine how close you are to being “In over your head”. For starters, Do you know how much debt you have? If not, you need [...]