Your debts are mounting, you’re falling behind on payments and you don’t know who to pay first. Isn’t it time to get your financial house in order?
Financial Guidance Library
Getting in good physical shape is a worthy goal for the new year but why not pledge to eliminate debt, too? It’s a good time to stop making excuses and face reality with your debts, especially if they’re holding you back from purchasing a home, saving for retirement, or taking that dream vacation.
Will your vehicle still be in the parking lot when you get off work this afternoon? Will you have someone knocking on your door tonight to serve you foreclosure papers? Will you be hearing the voice of that annoying debt collector from that credit card company before the day is over?
Are your debts holding you back from purchasing a home, saving for retirement, or taking that dream vacation? It is time to stop making excuses and face reality with your debts.
As we are working our way into a new year, many people are thinking about their resolutions for 2012. The No. 1 resolution that most individuals focus on is losing weight. I think it is time to try a new diet this year – a financial diet.
Life is full of unexpected events. You wake up one morning to find the refrigerator has gone out. Or you leave to go to work one day and the car won’t start.
Many financial institutions use your credit score to determine if you will qualify for a loan and what interest rate you’ll get. But that’s not the only way the score is used today. Many employers check credit scores with job applications, and insurance companies use the score to help determine premiums.
Many people will be spending lots of money this holiday season on gifts and entertainment. From hosting parties for friends and family to buying gifts for everyone they know, people often don’t realize that spending money doesn’t always equal happiness.
The famous Black Friday is fast approaching and people are polishing their credit cards and asking for credit limit increases to make sure they are well prepared. But let’s be realistic. Just because you have $2,000 in available funds on your credit card doesn’t mean you need to spend it all.