In today’s age of consumerism it is arguably easy to live beyond your means. Every time you turn around you face some type of advertising message telling you that you can have more, spend...
Category: Credit Counselling Services
Asking for personal help has to be one of the most difficult things to do. Whether it’s for relationship advice, parenting advice or financial advice, nobody wants to admit they can’t go it alone....
With mortgage rates still hovering at historic lows, chances are you’ve considered breaking your current mortgage and renewing now before rates begin to rise.
Perhaps you want to free up cash for such things as renovations, travel or putting towards your children’s education? Or maybe you want to pay down debt or pay your mortgage off faster? In some cases, the penalty can be quite substantial if you aren’t very far into your mortgage term, but we can determine if breaking your mortgage now will benefit you long term.
We live in an ever-accommodating society. No longer do we have to go out and look for deals, they are delivered to our doorstep. I can see the credit companies doing a little jig at this wonderful new shopping sensation. Unfortunately our pocket books aren’t necessarily doing the same jig.
There is a disturbing trend happening in the Credit Counselling Industry. Companies are popping up online with toll free numbers, promises of reduced interest rates and manageable monthly payments.
Its true! Just because we help people find solutions to their financial woes, doesn’t mean we don’t have our own.
I’m sure fitness instructors sometimes have lazy periods, Investment advisors have lost money and great chefs order pizzas. The point is, we are all human and we all make less-than-perfect choices once in awhile. In fact, it is our very mistakes that help us help you. As other has been heard saying, “do as I say. Not as I do”.
What comes to mind when you hear the word “Consolidation”? Do you envision all of your debts being ‘paid off’ leaving you with the manageable obligation of one monthly payment? If so, you are thinking about a “Consolidation Loan”. A financial institution loans you money by paying off your debt and you pay them back. With interest, of course. Nowadays, the word “consolidation” is being used in a much more liberal term
(Blog submitted by 3rd party) / Author: Robin Williams [Please note that the poster does not offer any recommendation for sites linked to these articles and cautions readers to use good judgement in contacting...
If you step back and look at your finances, you will find that you are in one of three stages of financial being – The first stage is “survival mode”. The next stage is the “breathing room” stage. The third stage, which is where we all strive to be, is the “comfort zone”.