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How to Get a Lower Credit Card Interest Rate with Internal Hardship Programs
Getting a lower interest rate on your credit card is not always easy, but it is possible. There can be huge advantages to getting your interest rates lowered; find out how to do this with these simple steps. Whenever a client calls our company for credit counseling, we always recommend self-management as an option for […]
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Credit Card Debt: Fast Facts
Credit card debt is tough. While the facts below may not put a smile on your face, they may help reassure you that you are not alone in your journey to live debt-free. 80% of American households have at least one credit card. (Source: www.cardweb.com) Total credit card debt in the United States: a whopping $800 […]
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How Frugal Is Too Frugal?
Lately I’ve read several articles about the extreme things people do to save money. Take this article about a “dumpster dive café” or this one about eating roadkill for example. OK, so obviously not everyone finds these ideas to be too extreme, but it got me thinking – where is the line between being frugal […]
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Federal Student Loan Collectors: What Can They Do?
Federal student loan collectors have different guidelines and abilities when it comes to collecting student debt. Find out what they can do and what you can do to protect yourself against these measures. If you have federal student loans that are past due or in default, your economic stability could be in danger. Unlike private […]
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Dating and Money Issues
“My name is Blaine. I like long walks on the beach, cuddling on the couch, and interesting conversation.” Wow, that’s great and all, but how does your credit report look? Dating and money can be tricky business. None of us want to be perceived as gold diggers. On the other hand, though, we also do […]
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Banking Basics 101: Online Banking
For those of you that have been sold on the idea that you do need the services provided by a bank, and those of you who have been banking for a while, we all have the same issue; how do I track my accounts and spending? Overdraft fees on average are going to cost you […]
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Banking Basics 101: Interest Matters
It would seem that the decision to put your money into an interest bearing account would be a no-brainer, but often times a no-interest checking account will be more cost effective. Having said that, how do you decide what interest bearing accounts to put your hard earned money into? One issue with interest-bearing accounts is […]
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Banking Basics 101: Alternatives to Traditional Banks
I’m sure that if you have been reading our posts on banking (Banking Basics 101 Part 1, Part 2, Part 3, Part 4) that you know where I stand on banks. You need the assistance and the power that banks are able to offer to really make your money work for you. Making your money […]
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Banking Basics 101: How to Choose the Right Account
In my previous post we looked over some of the most basic concepts of banking. Now it is time to take our knowledge a bit deeper. I’m confident that my last post on the basics of banking has not only convinced you that banks are a safe place to store your money, but they also help […]
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4 Free Ways to Beat the Heat This Summer
Summer. Even though it consists of bbq’s, a break from school, vacations, warm summer nights…it also brings with it hot and humid days. To keep you from having a total meltdown, here are a four free ways to beat the summer heat. 1. Cool Off In the Water Instead of heading to your local swimming […]