Coming up with a budget can be one of the best ways to save money. A budget is a financial statement of estimated income and expenses over a selected period of time. I recommend writing up a budget each and every month, this will help stretch your...
What is a Payday Loan? A Payday Loan is a short term loan that typically needs to be repaid within 7-14 days from its origination. These loans are usually set up using a post-dated check. The process works like this: First you write out a check for...
There is a recent trend going on that encourages people to stretch their mortgage to an uncomfortable payment amount. This trend stems from the recent low interest rates we have seen the past few years.
With the recent bankruptcy reform of 2005 the courts have been in question whether to allow individuals filing Chapter 13 bankruptcy to continue their charitable giving or pay religious tithing until debts are paid off. This has raised many eyebrows...
We have seen a great increase in the number of clients we work with that are at their wits end trying to figure out how they are going to keep from loosing their home as well as keep their other creditors happy. This is due to the recent enticing...
For most Americans, groceries can be one of the larger expenses in a family’s budget. I see many different strategies used for purchasing groceries on a monthly basis and they all have their validity. I believe some of the more successful families...
Sometimes, a fresh start makes sense — if you can get past what you think you know. Here’s how bankruptcy affects your credit, your possessions and your karma.
Like most big, bad, scary things, bankruptcy has a reputation based on a few tidbits of...
Three credit card companies have announced they are doubling minimum monthly payments on credit card balances from 2% to 4%. Others are expected to follow suit quickly. To some cardholders, that could be seen as a good thing. To others it could be...
Minnesota Attorney General Mike Hatch sued Capital One in state court on December 30, 2004, alleging false advertising. Capital One’s TV and mail advertising prominently features “low and fixed” interest rates as an inducement for consumers to...
