Self Improvement Site
On The Internet! Take the Self Improvement Tour
On The Internet! Take the Self Improvement Tour
Debt and Debt Consolidation Articles
We are currently looking for an Official SelfGrowth.com Guide to "Debt and Debt Consolidation". If you have expertise in Debt and Debt Consolidation and your own website and/or product for this topic, please review this form for complete details. The Official Guide Position is part of our Premium Placement Package
- How To Rebuild Your Life After Debt - by Submitted on Feb 18, 2013 from Samantha SeiffertGetting out of debt is an ordeal that not everyone can actually complete. It is riddled with frustrating moments, strength draining efforts and a various temptations that can really put some stress into your debt relief program. But if you stay true to the whole plan, you may just find ...
Views: 1971(1 vote) - How To Select The Right Debt Consolidation Program For Your Family - by Submitted on Apr 04, 2011 from Cole CollinsFor many consumers wearied to the bone of handling a number of separate credit card accounts – having to remember each and every due date and calculate household budgets on the fly – the most tempting part of a debt consolidation program could well be the singularly directed repayment plan. All ...
Views: 1418(1 vote) - How to use Credit and Credit Cards - by Submitted on May 10, 2011 from Avril BettsUSE OF CREDIT: Using credit can assist you is getting and building wealth in your life when used wisely. Credit cards can give you the chance to seize opportunities when they come your way. These days all Hotels and Car Rental companies along with many other businesses require you to have a ...
Views: 1710(1 vote) - Hunger Diseases: Eating Disorders, Self Injury and Compulsive Shopping - by Submitted on Jan 19, 2011 from Angela WurtzelHunger Diseases: Eating Disorders, Self Injury and Compulsive Shopping One of the major psychological commonalities in eating disorders, self injury and compulsive shopping is the underlying psychic hunger. In his book, Hunger Diseases, Raymond Battegay addresses this drive and defines ...
Views: 1881(1 vote) - Imagine a Time When no one but you Controls your Financial Destiny - by Submitted on Nov 13, 2011 from Andrew HortonI believe that you have achieved financial independence when you no longer need to dance to anyone else’s tune, unless you choose to. This is a stage you reach in your life where you get to choose what you do, when you do it and you are able to begin making a real difference in the lives of ...
Views: 1376(1 vote) - Is Avoiding Credit the Answer to Credit Repair? - by Submitted on Mar 01, 2011 from Theresa DavidAfter going through a tough financial time, you might think its wise to avoid credit. If you have abused credit through excessive spending, you may think this is the right thing to do. You might also think that being debt free is important to lenders. Believe it or not, nothing could be ...
Views: 1306(1 vote) - Is There Such a Thing as Good Debts? - by Submitted on Feb 11, 2013 from Samantha SeiffertHave you ever heard the phrase “good debt”? Is there such a thing? If you ask anyone who had been in debt, there is no good debt. On that note, there is no bad debt either. What you have is a credit obligation that can turn for the worse depending on how you respond to it. Debt is just debt. ...
Views: 1445(1 vote) - IVA Or Bankruptcy - That Is The Question - Which Is The Best Option? - by Submitted on Jan 11, 2011 from Keith GarrowBankruptcy may not be your only option for getting out of serious debt. It is a very serious step with long lasting consequences, so it is worth taking some time to consider all your options before making a decision about whether it is right for you or not. If you live in the UK, have debts ...
Views: 1025(1 vote) - Major Classes of Loan Obtainable from Loan Company Online - by Submitted on Aug 12, 2021 from John CrossBefore now, you have hardly had any financial crisis. In fact, hearing the existence of a loan company in the USA sounds strange to you as you never had a reason to take a loan. Now, you are wondering what a loan is all about and what the loan company online platforms can offer you. If you fall ...
Views: 590(1 vote) - Managing Your Money - Disputing Credit Reports - by Submitted on May 28, 2011 from Bill SklodowskiIt's really very important to keep track of your credit report and what it says about you. Your credit report affects many areas of your life Should you find information that's incorrect, no matter what the reason, it's your job to dispute that information to have it removed and corrected in ...
Views: 1409(1 vote) - National Debt Helpline Provides Free Help With Debt Problems - by Submitted on Jan 25, 2011 from Keith GarrowSeveral thousand people in the UK go into debt every year and many of these will have to file for bankruptcy in order to get out from under the pressures of those debts. Before your debts get to the point of no return, you should contact the National Debt Helpline for free and unbiased help and ...
Views: 669(1 vote) - Negotiate Debt Settlements Yourself Or Use A Professional Agency? - by Submitted on Jan 05, 2011 from Keith GarrowAlthough there are many debt settlement negotiation companies that can help you to reduce your debts you may find that you can actually carry out successful negotiations on your own. The down side of going down this route is of course that you may find it is a lot of work and quite difficult to ...
Views: 985(1 vote) - Personal Finance Help that Challenges the Status Quo - by Submitted on May 13, 2010 from Bern BuentipoAre you looking for personal finance help that will reap results? Are you tired of dealing with a faltering budget and want to regain control of your finances? When it comes to our money, too often we simply accept the status quo, take advice at face value, and do what everyone else is doing ...
Views: 1953(1 vote) - Personal Financial Statement – Advice On How To Produce One - by Submitted on Sep 28, 2010 from Keith GarrowThere are times when no matter how tight a rein you put on using your credit card, your debts still pile up one after another. If you find yourself desperately transferring credit card balances or figuring out how much minimum payment to make on each credit account, you might be in more debt ...
Views: 1291(2 votes) - QuickBooks Enterprise Support Phone Number (+1-855-915-2082) | 24/7 Support - by Submitted on Mar 30, 2021 from Anuj quickbooksRunning a business is not an easy task, but it sure gets managed with the QuickBooks accounting software. To help the growing company requirements with enhanced economic activities, QuickBooks developers have created a specific platform for them. Such fields include construction, manufacturing, ...
Views: 639(1 vote) - Reduce Your Debt with These Simple Money Saving Techniques - by Submitted on Feb 25, 2009 from Keith GarrowThere are lots of things you can do to reduce the amount you spend, and the following suggestions are some of the best ways to save money, because they can have the biggest impact on your spending. The more you can save on what you spend, the more you have available to pay off your debts. Save ...
Views: 760(1 vote) - Shocking Facts - What Debt Settlement Companies Don't Tell You - by Submitted on May 18, 2011 from Denise HallIf you're thinking about using a debt consolidation or debt settlement service to help you get out of debt faster and save money on your monthly payments, make sure you do your homework before choosing a company. There are definitely shams and scams out there. First let me say that ...
Views: 973(1 vote) - Should You Use a Personal Loan for Consolidating Medical Bills - by Submitted on Jul 18, 2018 from Kalyna KapurYou can use a personal loan to consolidate your medical bills if it has a lower interest or longer repayment term that will reduce the monthly payment. With personal loan, you have the option of choosing to pay a fixed interest rate so that your monthly payment stays the same throughout the loan ...
Views: 770(1 vote) - Solutions for Wealth in the New Year: Pay Down Your Debt - by Submitted on Jan 12, 2011 from Jan CetwinskiYes, it’s that time of year again. Time for New Year’s Resolutions. Among the favorites for most people are resolutions for improving their Health & Wealth. This article is the second of a series in which we will suggest some financial resolutions that you can use to make the New Year the ...
Views: 1067(1 vote) - Strategies for Getting Out of Debt - by Submitted on May 29, 2012 from Phil EdneyAlthough most homeowners aspire to be debt-free, many are not putting their minds to it. A recent Manulife Bank poll found that three in four homeowners consider becoming or being debt-free to be among their highest financial priorities. In fact, that 75 per cent figure holds true (with only ...
Views: 926(1 vote) - Suffering from Endless Debt? - by Submitted on Apr 16, 2010 from Resource NationDespite the fact that the economy is beginning to turn around, many are still left with debt that they can’t escape. It is embarrassing, and challenging and overall overwhelming when debt consumes you, but it is important to know that you have options. Debt resolution programs and debt ...
Views: 1131(1 vote) - Tap Into Payment Of Bonus Act, 1965 - by Submitted on Dec 24, 2019 from Niti SharmaThe payment of Bonus Act was implemented in1965 in India and thus it impacts the way payroll software in India works and calculates the salary. As the name itself suggests, the Act provides clear demarcations for the payment of Bonus to employees on the basis of productivity, seniority or ...
Views: 858(1 vote) - Ten Tips to Improve Your Credit Score Instantly - by Submitted on May 30, 2012 from Diana YoungTen Tips to Improve Your Credit Score Instantly Diana Young Author – Financial Fitness Books for Beginners www.financialfitnessbooks.com Want to boost your credit score but don't know where to begin? Follow these simple steps and begin improving your credit score today. 1. Know ...
Views: 1974(1 vote) - The Credit Bureau: What is it and why is it messing up my life? - by Submitted on Mar 01, 2011 from Matthew WierzbinskiUnderstanding what and who the credit bureaus are can seriously help you understand your credit and how it works which is something everyone needs to know. Basically, each credit bureau is a ‘holding tank’ of information about how you handle some of your finances. It does not contain everything ...
Views: 1959(1 vote) - Three Reasons You May Want to Hire a Credit Lawyer - by Submitted on Mar 14, 2010 from Mandi HudsonTaking action to repair your credit is the first move in the right direction. If you are like most people, you may be unsure how to begin. Many people take the “free” route and attempt to repair their own credit. While this works for some, the drawbacks of going solo can be larger than you ...
Views: 1071(2 votes) - Top 6 Benefits of Debt Consolidation Loan - by Submitted on Dec 10, 2017 from Jaclyn TengWith a Debt consolidation loan you end up paying a single monthly payment instead of multiple smaller installment amounts. However, having to manage a single loan is not the only benefit of a debt consolidation loan over multiple smaller loans. Debt is but a liability and as a debtor you must ...
Views: 6343(1 vote) - Top Debt Plans – Finding The Best Debt Payment Plans - by Submitted on Nov 04, 2010 from Keith GarrowIf you are wondering how to pick the best debt plans, then you might want to ask for assistance. You may have a considerable debt so you need to act upon it. There are various options open to you, but to find the best one for your situation you really need expert advice that you can trust. You ...
Views: 1157(3 votes) - Understanding Wage Garnishment: Four Things To Keep In Mind - by Submitted on Jul 20, 2016 from Rebecca WilliamsUnderstanding Wage Garnishment: Four things to keep in mind Let us take a step back and look at what constitutes a wage garnishment. It is not a simple pay deduction, and it cannot be done at just anyone’s request, a wage garnishment is the legal way that a percentage of an employee’s pay is ...
Views: 1351(1 vote) - Use Your Mind as a Debt Relief Tool - by Submitted on Feb 04, 2013 from Samantha SeiffertHave you heard about the laws of attraction? For someone who is deep in debt and is desperately trying to get out, you may want to believe just about anything that you read. Well here is one concept that you may want to wrap your head around to - the power of the mind. Not everyone practices ...
Views: 1406(1 vote) - Using Your Debt as a Fuel for Success - by Submitted on Jan 14, 2013 from Samantha SeiffertAnyone who had been in debt can attest to how devastating it can be. Not only does it paint a picture of financial failure, it also shows the world just how incapable you are of handling your own money. Or does it? More specifically, the question is, will you allow it to portray you that ...
Views: 1196(1 vote) - What Is A Debt Management Plan? - by Submitted on Sep 21, 2010 from Seamus McKenzieDebt management plans are one of the most widely used options for consumers, what exactly are they? Let's say you are floundering in debt, and it's beginning to spiral downwards out of control. You worry about what tomorrow might bring, and you don't want to answer your phone anymore. You're ...
Views: 4715(1 vote) - What is Debt Consolidation Loan and it’s working Process? - by Submitted on Nov 20, 2012 from Robin smith smithDebt consolidation program is used to manage with repayments by consolidating several unsecured debts into one. Nevertheless, it is quite important to compare the loan options before making final selection to find affordable option. It can be helpful in repayments but only if one get success to ...
Views: 1342(1 vote) - What Is The Average Credit Score? - by Submitted on Nov 27, 2011 from Kunnawat SaengmeneeAll of the Credit score is definitely established referring to a new financial history. Right there happen to be a couple of largest credit agencies together with Equifax, Experian and as well , Trans Union. All of these reporting agencies provide partially alternative plan involving scoring. ...
Views: 1024(2 votes) - What Not to Do When Refinancing - by Submitted on Nov 11, 2015 from Geoff ClarkIn 2003, we closed on a house in the inland empire in Southern California. We were at the end of phase 1 in a multiple phase new home site. We knew something interesting was happening in the market as we were gaining equity while the house was being built. In the short period that it took to ...
Views: 1773(1 vote) - Which is Better – a Payday Loan or a Personal Loan? - by Submitted on Sep 12, 2012 from Kurt VelascoMany consumers today are wondering which credit program is better suited to their financing needs – a personal loan or a short-term loan, like a payday loan. However, in truth, there is no superior loan. This is because credit programs, in general, are not designed one and the same. In fact, ...
Views: 1345(1 vote) - Why do Credit Card Companies Participate in Debt Settlement? - by Submitted on Jun 04, 2010 from Jackson RobertsThe credit card companies are in the business of extending short-term loans to consumers and charge interest and fees on those accounts that don’t pay their balances in full each month. Sometimes these interest rates can be very high, especially when the borrower has less than good credit. So ...
Views: 955(1 vote) - Why Financial Freedom is a Team Effort - by Submitted on Jan 02, 2013 from Samantha SeiffertHave you ever struggled to accept the debts of a spouse or a family member? With the onslaught of financial problems during the recession, a lot of marriages failed and families were permanently destroyed because of debt. It is quite unfair that the whole family has to suffer just because your ...
Views: 1272(1 vote) - Why You Should Never File Bankruptcy - by Submitted on Aug 10, 2010 from Patrick ThonaYou know what it feels like to cringe when the phone rings. You stare at it, willing it not to be a bill collector. Let it be someone who is offering you a job, you pray. You pick up the phone gently, hoping, praying, but no, it's another creditor. “I'm sorry, I'm not working right now. I'll. . ...
Views: 2768(1 vote) - Will Your Employment Status Have Impact on Your Personal Loan Approval - by Submitted on Jul 18, 2018 from Kalyna KapurYour job history and the type of job that you do can affect the approval of your personal loan. Risky jobs and jobs that do not provide documented proof of your pay can affect the loan approval negatively. The following are 5 types of employment status that can affect your loan approval ...
Views: 748(1 vote) - Women in Debt: Creating a Household Budget Despite Your Debts - by Submitted on Jan 02, 2013 from Samantha SeiffertAs the woman of the house, the task of managing the household budget falls on your shoulders. It is not an easy task especially when the children are asking for something that you know the budget cannot afford. Juggling the bills payments, food, lodging and other expenses can be quite a ...
Views: 1216(1 vote) - Write Off Debt Using Debt Settlement Or An IVA - by Submitted on Aug 10, 2010 from Keith GarrowIn accounting, the term to write off means that an asset is being recognized as having a reduced or zero value. Write off in income tax statements means that taxable income can be reduced as a recognition of certain expenses required to produce the income. But what about the specific use of ...
Views: 1711(2 votes) - You Can Achieve Financial Independence - by Submitted on Nov 27, 2011 from Andrew HortonHave you dreamed about living a life where you are financially independent, where you control your financial destiny and no one has claim to your financial resources? Achieving a life where you are the master of your financial future and you are able to live off the proceeds of your investments, ...
Views: 1390(1 vote) - You Can Get Out Of Debt Now - by Submitted on Mar 01, 2011 from Dan CavalliAs in right now. Yes, you. It is quite possible for anyone to get out of debt now. Sounds like some magic trick meant to beguile and maybe weasel you into a debt hole bigger than the one you're in now, doesn't it? You ask anyone to look at the state of your debt and ask with not a mix of pain, ...
Views: 1115(1 vote) - How Can Debt Management Help You? Discover The Benefits Now - by Submitted on Sep 07, 2010 from Keith GarrowFor some people, straightening out their finances involves tasks like figuring out how much minimum payment to make, transferring credit card balances, paying late fees, avoiding calls from collection agencies and the like. If this is a typical monthly scenario for you, you might have more debt ...
Views: 1130(3 votes) - How to Use Willpower Engineering to Control Spending - by Submitted on Jan 25, 2011 from Steve LevinsonPersonal finance experts often offer excellent budgeting advice while ignoring psychological realities that make their advice essentially useless. The truth is, we humans have an enormous capacity for NOT doing what we know we should do. And failing to take that truth into account is like ...
Views: 2036(6 votes) - Beware of Debt Reduction Scams - by Submitted on Feb 23, 2011 from Jason MillerDo you want to cut your ties with the bondage of debt? Is the cost of bankruptcy too much for you? If your answer is yes then a debt reduction program is indeed a good option for you. In today's socio-economic scenario, credit card debt is very rampant. Taking advantage of the situation, a large ...
Views: 1000(2 votes) - Debt Written Off - Understanding How Debt Can Be Written Off - by Submitted on Aug 10, 2010 from Keith GarrowIn an economy which relies mostly on a credit system, you cannot help but depend on that tiny plastic card when paying for your purchases. If you're not careful, however, you might find yourself having more debt than your finances can actually handle. What if you find yourself in such a ...
Views: 1585(2 votes) - Five Things to Consider Before You Refinance - by Submitted on Aug 31, 2010 from Mike PetersonInterest rates are historically low – should you jump on the refinancing bandwagon? Thinking about refinancing your home? Interest rates are dropping and people across the country are looking for ways to make the most of their money. While refinancing can help put a little extra cash in your ...
Views: 1370(2 votes) - How to Recession Proof Your Family - by Submitted on Dec 29, 2012 from Knox Bates III"Happy New Year 2013" New Years Resolution How to Recession Proof your Family! Are all the gloomy financial forecasts depressing you? Do you really want to ignore all of the negativity but you're concerned about what may happen if you do? Well you can't ignore reality, but you can ...
Views: 2020(2 votes) - Popular advice that can be costly - by Submitted on Dec 07, 2010 from Dan BeckHow many times can you think of that you had the best intentions, did just about everything right, but the end result turned out to be negative? Some of the most popular advice about how to improve your FICO score is just like this, great intentions, just about all the right advice advise but ...
Views: 1445(2 votes)