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Five Surprising Reasons People Go Into Debt and How to Avoid Them

from our BLOG-magazine

money management

You know the common reasons for getting in over your head financially. Too many credit cards, a house payment thatís a little too expensive, losing a job, or simple financial illiteracy. Itís not easy to predict exactly what will put you at a deficit at monthís end, but here are a few surprising reasons for debt and how to avoid overdrawing your bank account.

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Money Tip

for the week of: August 31

New Rights for Credit Card Holders

Consumers have new rights under the Credit Card Accountability Responsibility and Disclosure Act that rolled out a few years back.

What You Should Do

Credit card issuers are required to adopt reasonable procedures designed to ensure that consumers’ statements are mailed or delivered at least 21 days prior to the payment due date and the date on which any grace period expires; and ....

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6 Tips for Living Well on a Shoestring Budget

from our BLOG-magazine

money management

When you are short on cash, whether it is for a short period of time or for the forseeable future, you will find that it is essential for you to create a budget and to stick with it. However, even if you have rent and utilities covered, you will discover that living well is a whole other story! As the old saying goes, you don’t survive by bread alone. Life can still be enjoyed when you are pinching your pennies, so consider some of these tips.

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Use Coupons to Trim Your Shopping Budget

from our BLOG-magazine

money management

Food prices continue to rise and that has put a big crimp on American families. Budgets are being strained as salaries remain flat, but there is some good news with all this: coupons continue to provide ways for people to trim their shopping budgets.

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View more money management ideas at our Money Management BLOG

Renting or Buying: How to Figure Out the Best Finances for You

from our BLOG-magazine

money management

When it comes to finding a place to live, deciding whether you want to rent or buy can be half the battle. There are distinct advantages to both options, and no one situation is right for every individual. If you are wondering which move makes the most financial sense, however, here are seven factors you will definitely want to consider.

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Are You Ready to Start Investing in Mutual Funds?

from our BLOG-magazine

money management

At some point in your saving strategy you may have come to realize that savings accounts, money market funds and other bank-backed accounts pay very little interest. Certainly, you can leave your money in the bank, but inflation will easily erode those funds. This is where diversifying your portfolio to include mutual funds (stocks and bonds) can help you preserve and increase your wealth. No, you do not need to be wealthy to invest in mutual funds. You just need to have a determination to expand your financial portfolio.

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5 Tips for Handling an Insurance Agent or Adjuster When You Need to File a Claim

from our BLOG-magazine

money management

The term ďaccidents happenĒ is the basic idea behind having insurance. And when an accident does happen, you have to grit your teeth and deal with your insurance company. For some, this isnít a dramatic ordeal, but for others who dislike their insurance agency or donít understand their policy, it can be a headache.

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Four Questions to Review Before Settling on Bankruptcy

from our BLOG-magazine

money management

Bankruptcy is just one option out of several debt relief options. Some consumers choose bankruptcy the moment they start having problems with debt. Although bankruptcy is an effective option, it may not suit the needs of every debtor.

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For Your Rolodex

quick access to five key areas in credit and debt management:


  1. fast mortgage payoff
  2. budget planning
  3. debt management
  4. building good credit
  5. lowering monthly bills

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About SayGoodCredit.com
Credit Management • Credit Reports • Credit Scores • Credit Repair • Debt Management • Reduce Debt
Payoff Debt • Debt Reduction • Credit Card Debt • Budget Planning • Budget Spending

About Managing Your Credit - Debt - and Budget

Providing plans and advice for managing your debt, building a good credit score, designing a personal budget and spending plan, and lowering your monthly bills. Use our simple bullet-point guide to review the credit and debt management guides.

Simply start with our quick credit check up that summarizes the credit reporting process. It references our credit management guide. Review our credit guides on building your credit history, maintaining good credit, and repairing your credit. Do you have debt? Your next step is to view our debt management guide. Use this guide to reduce and manage credit card debt, reduce and manage personal loan debt, and manage your mortgage loan debt.

Here is a sample of what you can find when navigating our credit center:

Credit Management

Our credit management center reviews the important features of credit. It offers a simple review of credit management tools such as building credit, sustaining good credit, repairing your credit, preventing ID theft, and guidelines for consolidating and reducing credit card debt.

  • all about credit: an introduction to credit and credit processing. Review the different types of credit and steps to manage your credit.
  • building your credit: guides on establishing your credit for the first time, maintaining and sustaining good credit, repairing your credit, and improving your credit financing score.
  • maintaining your credit: guides on maintaining a good credit report. Learn what you need to keep your credit strong for lower financing costs.
  • repairing your credit: guides on repairing your credit when circumstances lower your credit rating.
  • applying for credit: guides on what is needed to apply for credit. Review lender requirements, credit score, debt ratios, and other criteria to receive the best credit terms.


Debt Management

You will find debt management guides for debt recovery, debt relief, and other debt management tips and techniques for managing credit cards, personal loans and mortgage loans.

  • all about debt: guides on handling your debt. Includes basic debt management rules, costs to avoid on debt obligations, methods of bill payment, and managing your debt billing disputes
  • reducing credit card debt: guides on managing and reducing your credit card debt.
  • debt recovery: guides on debt recovery and debt relief from personal loans and other debt.
  • manage mortgage loan debt: guides on how to manage your mortgage loan debt to increase your home ownership percentage.


Budget and Money Management

Learn to build a personal family budget and spending plan. Manage your money to meet both short- and long-term financial goals. Review tips on lowering your monthly costs in housing, food, health care, transportation, and other.

  • all about budgeting: an introduction to to a personal and family budget. Learn budgeting techniques and spending plans to meet your financial goals and objectives
  • budget worksheet: develop your personal budget plan by working through our online budgeting worksheet. Includes free downloads to budgeting plans and tips.
  • electronic budgeting: our alliance with myvelopes.com allows you to electronically automate your family budget process.


Online Credit Report

Our online credit report center includes an entire section on credit reports and credit scoring. Get your free credit report to review your credit score and credit history. Use your online credit report to fix errors, make some adjustments to improve your credit score, and monitor your report from abusive practices such as error reporting and ID theft.

  • about your credit report: guides on what you will find inside your credit report. Learn what is reported and how to read and correct credit report errors.
  • online credit report: get your free credit report to review your credit score and credit history. Use your online credit report to correct errors and monitor your credit report from abusive practices.
  • ID theft: guides on what to expect when some one steals your identity and preventions tips from ID theft.

 

This Credit-Debt-Budget Center has other great tools that include ...—