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

Today nearly 1/3 of all homeowners owe more on their homes then the homes are worth.  If the homeowner can continue to make the mortgage payment and isn’t planning on moving anytime soon, that is not a problem.  However, if the homeowner needs to sell the home being underwater on the house can be a [...]

People are starting to say that the recession is over, or finishing up.  So if it really is over, what should we do with our finances?  Even though consumers are starting to spend some money and again feel comfortable with their money, there is still a long way to go before we are at the [...]

I was listening to the radio last night while driving back home and realized that there were a lot more calls about split couples who still loved each other but were having issues.  Times of financial difficulty put extra strain on marriages and relationships.  Everyone knows that money problems is one of the top reasons [...]

Many stores are touting their layaway plans this year as well as store credit cards.  While these are both ok options, I prefer to stay away from credit cards and thus avoid the temptation to overspend.  So this year, instead of throwing Christmas on your credit cards or putting something on layaway, check out these [...]

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 [...]

The word budget is probably a household word in today’s hard economic times. I know it is in my house! If you don’t have a budget for your household finances, take a look at your spending and you will see that money is being spent unwisely. A budget will help one be more aware of [...]

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 [...]

Do you have a mortgage? Is it 25 years, 30 years or even longer? The majority of mortgage companies will allow you to pay extra each month if you can. The idea is to make certain to pay on the principle and not the interest. The principle determines the amount of interest that you pay. [...]

When it comes to paying bills and having trouble with finances, one solution to fix finances is to talk to debtors. Often, they will set up a reasonable payment plan with you. Some credit card companies will even let you take a huge percentage of the debt off if you can pay it off. For [...]