When should you have more than one credit card?
In what instances should you have more than one credit card. Read the entire blog to find out.
Doctor Debt Blog
The “uncomfortable” Cost of Credit Counselling
I had an interesting conversation with a representative from a Debt Consolidation Company. Perhaps my insight can save a financially struggling consumer a few hard-earned bucks.
Welcome Changes to Credit Card Companies Rules
If your credit card could talk, what would it say? Oh wait! It can! Haven’t you heard it on the radio? If you have no idea what I’m talking about, the government recently announced,...
Sometimes Financial Counsellors Need Help Too
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”.
Bankruptcy Pep Talk
So often, people come to me, embarrassed and ashamed that they are facing bankruptcy, or a similar compromise of debt. They feel that they have failed. They are hard on themselves in a way that is not productive. I created this pep talk in an effort to help them through this cross road in their life. Feel free to share this with anyone who you feel would benefit from it.
Talking to Collection Agents 101
The method that works best depends on who is on the other end of the line, their personality/style and maybe on the success or failure of the call before you. Some agents are understanding and sympathetic. Others, well, not so much. They have an agenda and will not waiver from it. The following are some “tips” to help you take some of the stress of these conversations.
Beware the word CONSOLIDATION!
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
7 Advantages of professional debt consolidation advice
(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...
Savings does not equal affordable
I’m in my car. On my way to work. Listening to the radio. And one commercial catches my attention.
A lady comes home with a shopping bag. Her husbands asks what’s in it and then exclaims, “Don’t you have enough dresses?” (Like that’s actually possible). She replies, “But honey, they were 70 percent off”. He pauses and then replies, “That’s a lot.” In reality, this is a general perception. If it’s on sale and I’m getting such a great bargain, I should buy this.
Savings hidden among the books
We have a weekly tradition in our household. Every week, assuming they have earned it, we stop at the local convenience store, where my kids get to pick out a movie. We head to the non new-release section. Its a great deal. A 3 day rental for 2.00. The kids get an entire weekend of entertainment (assuming they have time to watch the movies. And if they don’t, it’s only 4 bucks.)