Debt Help

Are you in a debt cycle? If so, it’s time to get out!

11.27.2010 by Jason Price 8 comments

Living in a debt cycle can be one of the most frustrating things for people who are working hard to live financial free. You work hard to pay off debt and before you can blink you’re in debt again. So what causes a debt cycle, anyway?

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Is it Wise To Borrow Money To Invest?

11.26.2010 by John Frainee 9 comments

Many personal finance experts answer this question based on the math. They figure if we borrow from one party to invest the money and make a profit, that makes sense. After all, you’ll beat the interest rate you’re borrowing at, right? In theory this is a wise move. But is it the best? Let’s explore this question in greater detail and look at the pros and cons…

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5 Ways to Kill Your Financial Progress (And How to Get Ahead)

11.20.2010 by Jason Topp 4 comments
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Maybe you’ve experienced this. You’ve been trying to get ahead financially, scrounging up a little bit here and there to save into an emergency fund or your IRA, but it just seems like you never make any progress. Why is that? What are some things that are killing your financial progress? Let’s take a look at five things that may be impeding you financially, and ways to overcome…

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Should You Get a Second Job to Pay Off Debt?

11.13.2010 by Jason Price 7 comments
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I’ve seen the unfortunate story all too many times when there just isn’t enough income to pay all the bills each month and make significant progress in paying off debt. It leaves people in a seemless hopeless state and they ponder bankruptcy, debt settlement, giving up and more…

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What Factors Influence Your FICO Score & Why It Doesn’t Matter

11.04.2010 by Guest 11 comments
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Many aspects of finances are widely misunderstood, especially in the greed-filled and deceitful society we live in today. One prominent part of finance in this country, the FICO score, is also one of the most misrepresented. My hope is to help clear up the mystery that is FICO by explaining what it is determined by, what it determines, and why it does not (really) matter…

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Make Big Frugal Moves!

10.29.2010 by Jason Price 8 comments
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My wife (also my research department :) ) recently forwarded me a piece from MSNMoney.com that provides 6 BIG ways to go frugal. [I just love the sound of that!] So, for those of you who are the budget conscious and are ready to make a difference in your financial lives, let’s take a look at these tips…

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Financial Projections: Where Will You Be In 5 Years?

10.22.2010 by John Frainee 6 comments

Mostly it’s just for fun, but it can be very beneficial to see which direction we’re heading in life. Every few months I check my family’s financial course and with some financial projections and then adjust as needed…

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Should You Sell Your House to Pay Off Debt?

10.13.2010 by Joe Plemon 17 comments
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“Help!” you are crying. “My debt load is weighting me down so much that I am considering selling my house to get rid of it. Should I?” Although I appreciate your willingness to sacrifice in order to dump debt, selling your house may not be the best way. Ask yourself the following question: Why am I in debt?

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Get A Free Credit Report and Score: But Does it Even Matter?

10.06.2010 by Craig Ford 14 comments

Last week I did something I’ve never done before. I used Credit Karma to get a free credit score and report. That was the first time in my life that I’ve ever checked my credit report or even had an interest in checking it. Why? I’m becoming more and more convinced that your credit score matters…

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How to Start a Budget: Things I’ve Learned The Hard Way

09.23.2010 by John Frainee 10 comments
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Budgeting isn’t always easy. In fact, it’s very difficult if you’ve never consistently stuck to one. When Courtney and I (John) first started budgeting, the only thing we could do is follow vague percentages and use a lot of trial and error. We had no idea how to start a budget and as a result the first few months didn’t turn out so well. However, we learned a lot of things along the way…

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