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Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts
Jan 20, 2015
Manage Your Student Loan Debt Better in 2015
Labels:
debt,
debt consolidation,
financial advice,
loans,
student loans
Dec 20, 2013
4 Mistakes you can make in Your Relationship with Banks
Although it is a necessity, working with banks can prove to be extremely exhausting and confusing at the same time. It is true that banks are there to help you when you cannot help yourselves. They give you a hand when you need it, but they also take everything from you when you cannot pay your debt.
There are two ways that your relationship with your bank works. On one hand, things work out smoothly, and your relationship is based on trust and respect. On the other hand, each of you tries to cheat on the other one and misunderstandings occur. Either way, here are the mistakes you should avoid when it comes to bank/client relationship.
There are two ways that your relationship with your bank works. On one hand, things work out smoothly, and your relationship is based on trust and respect. On the other hand, each of you tries to cheat on the other one and misunderstandings occur. Either way, here are the mistakes you should avoid when it comes to bank/client relationship.
Aug 25, 2013
4 Things to Ask Yourself before Purchasing Anything on Finance
Finance is a tempting option when faced with a purchase you might not normally be able to afford, however it comes with a few serious consequences. While it will definitely appeal to your impulsive side and tempt even the savviest shopper, it pays to be aware of the risks. Here are 4 important things to ask yourself before purchasing anything on finance.
Why Finance?
Why Finance?
Apr 18, 2013
Debt solutions: IVAs vs. DMPs
Photo courtesy of abcdlish (flickr)
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For example, an Individual Voluntary Arrangement (IVA) is a legally binding insolvency agreement made on behalf of the debtor to their creditors to arrange affordable regular repayments. IVAs are obtained through insolvency practitioners, who will make the necessary arrangements with your creditors regarding what you can afford to repay and how long the term of your IVA will last.
Labels:
debt,
debt management,
finance management,
financial advice,
IVA
Apr 16, 2013
Budgeting Your Debts Away

Apr 3, 2013
Top Ten Tips for Getting Yourself Out of Debt

Unchecked debt can snowball, and before you know it, it can feel like there’s no way out. Here are a few tips to get you started on regaining control of your finances:
1. Get motivated.
Setting yourself an end goal and reminding yourself of it every day can help and give you that extra push. Promise yourself a reward each time you reach a milestone, such as paying off credit card debt or sticking below your budget. If you feel negative all the time it can feel like a losing battle and you’ll fail before you even start.
Mar 28, 2013
Reasons that Justify Your Decision of Refinancing Your Mortgage Efficiently

Mar 27, 2013
5 Ways to Avoid a Bad Credit Record

How to Avoid Sliding into Debt after an Expensive Honeymoon
Going on your honeymoon should be about spending quality time relaxing with your partner as you start your married life together. Nothing spoils the romance faster than a mountain of debt awaiting your arrival back home! It can be hard, but here are the best ways to avoid sliding into debt after an expensive and luxurious honeymoon.
Dec 19, 2012
Advantages and Disadvantages to an IVA
Image Source: flickr |
More details about IVAs
Labels:
credit,
debt,
debt management,
finance management,
IVA,
payment management
Dec 17, 2012
The many flavor of online loans
Labels:
bad credit,
debt,
finance management,
financial advice,
loans,
personal finance
Dec 12, 2012
7 Crucial Aspects to Remember While Positioning Your Firm for Debt Financing
Few years ago, the only way to raise capital for your business was by visiting a bank and requesting for a loan. Today, on the other hand, times have changed with the massive explosion of equity investments. The changes are not limited to just that, as most of the guidelines followed for running an organization have also see a revolutionary change; having said that, these big changes are only meant for big organizations that have the power to accelerate their return earnings and investors hardly hesitate to invest in such organizations.
Sep 28, 2012
The Budget Deficits and Municipal Bankruptcies
The financial markets today no longer look safe for investing in municipal bonds. With the present U.S. economy assailed with a growth in municipal bankruptcies, the problems that continue to plague America are forever on the rise.
Budget deficits should be controlled by the local governments. In addition, further spats with creditors have to be avoided and so there is need for the deficit cuts by the municipalities. When the local government takes the regular steps in order to survive, the municipal bond investors and their invested amount of the tune of $3.7-trillion will be very much affected. The municipal bond defaulters are the cities in California; viz. Vallejo, Mammoth Lakes, Stockton, and San Bernardino. Compton is the next most likely town to follow suit; the reason being that all theses towns are facing the problem of big budget deficits.
Budget deficits should be controlled by the local governments. In addition, further spats with creditors have to be avoided and so there is need for the deficit cuts by the municipalities. When the local government takes the regular steps in order to survive, the municipal bond investors and their invested amount of the tune of $3.7-trillion will be very much affected. The municipal bond defaulters are the cities in California; viz. Vallejo, Mammoth Lakes, Stockton, and San Bernardino. Compton is the next most likely town to follow suit; the reason being that all theses towns are facing the problem of big budget deficits.
Jun 21, 2012
How overspending can ruin your financial life?
With today’s expenses and their prices, it can be very hard not to overspend. Still, that isn’t an excuse to stray out of your budget. You know why? It is because overspending can only lead to more problems than you think. Overspending can affect your whole life. With all the possible consequences, it may jump to one problem to another.
May 22, 2012
Resolve IRS Tax Debt: Ways to Utilize Your Money

Apr 12, 2012
Deciding What to Do with Your Tax Refund
According to the Canada Revenue Agency the average tax refund in Canada is an estimated $1,506 this year. This money could go a long way towards improving your finances in several areas, depending on how you use it. Here are two financially smart ways to use your tax refund this year to improve your financial outlook:
Apr 5, 2012
Tax credit cuts: Are you ready?
As the implications of the 2012 Budget sinks in and everyone resigns themselves to another year of austerity measures and tightening their belts, some people are about to become a whole lot worse off.
The government has pledged to bring the national deficit under control and, in 2010, unveiled a list of measures which would see tax credits slashed. Despite protests, David Cameron and co. have stuck to their guns and, from next month, the remaining tax credit reductions are due to take effect.
The government has pledged to bring the national deficit under control and, in 2010, unveiled a list of measures which would see tax credits slashed. Despite protests, David Cameron and co. have stuck to their guns and, from next month, the remaining tax credit reductions are due to take effect.
Labels:
debt,
debt consolidation,
debt management,
financial plans,
personal finance,
tax
Feb 16, 2012
Are there any way of paying down my tax dues and emerging debt free?

Dec 12, 2011
5 Financial strategies that credit card companies do not want you to know about
For some people saving money is like getting a root canal from a dentist - not much fun, and very painful!
And that's exactly how the banks that offers credit cards like it - the more you use your credit cards, the more money they make. Because the more you use your cards the more likely you are to miss a payment, go over your limit, or simply just start carrying a balance every month. All of which make them money!
So if you are a spender, and you like using your credit cards, it's time to change some of your habits. This will make YOU more money so YOU are the one getting rich, not them. If you need a little help making this change, here are 5 financial strategies that credit card companies don't want you to know about:
And that's exactly how the banks that offers credit cards like it - the more you use your credit cards, the more money they make. Because the more you use your cards the more likely you are to miss a payment, go over your limit, or simply just start carrying a balance every month. All of which make them money!
So if you are a spender, and you like using your credit cards, it's time to change some of your habits. This will make YOU more money so YOU are the one getting rich, not them. If you need a little help making this change, here are 5 financial strategies that credit card companies don't want you to know about:
Labels:
credit cards,
debt,
debt management,
financial plans,
personal finance
Nov 30, 2011
Using self control to conquer your Credit Card Debt

Debt with cards is primarily due to high unemployment levels in the economy. When people lose their jobs, they focus first on paying items such as mortgage and food and place the credit card payments on the back burner. The resulting late fees increase the overall balance of the card, cause higher payments and make it difficult to catch up on.
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