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5 Ways People Slide into Serious Debt (and How to Solve Them)

from our BLOG-magazine

money management

It seems that no matter how much a person tries to avoid debt, the money pit of debt gets deeper and deeper. Before long, it becomes evident that your debt situation has become all-consuming. You may not even earn enough to cover all the debts you owe. Here are five ways people get into serious debt and some simple solutions to try to eliminate that debt.

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Money Tip

for the week of: August 30

THINK WISELY WHEN BORROWING FOR SCHOOL

By now, you’ve probably received your college’s tuition bill outlining costs for the fall semester. If you have the funds on hand to cover your college costs, then you’re in good shape.

If not, then you’ll need to explore your borrowing options which typically involve taking out some sort of student loan.

So no matter how you read the figures, make sure you don't become one of the unemployed.


What You Should Do

Student loans, both public and private, are worth considering but borrowing too much money now can mean that you’ll be saddled with a tremendous amount of debt later.

Clearly, the best approach is to minimize your borrowing so that your post-college debt can be eliminated as soon as possible later on.

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The Benefits of Having a Great FICO (Credit) Score

from our BLOG-magazine

money management

The FICO score is calculated from many different variables including past payment history, length of credit history and even credit applications themselves. Without a good score, you will find securing a loan nearly impossible.

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at our Money Management BLOG (new win)

Protecting Yourself From Identity Theft in Social Media and Banking

from our BLOG-magazine

money management

In the past, cash and checks were the main form of payment and those cannot be stolen unless you were the victim of a pickpocketer. These forms of payment couldn’t be hacked from a computer and thus, as long as you kept your social security number (SSN) safe, you were safe from identity theft. However, in recent times with the rise of Facebook, online banking, and credit cards, it is now much easier to fall prey to identity thieves.

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at our Money Management BLOG (new win)

View more money management ideas at our Money Management BLOG

How to Manage Your Finances as a Single Mother

from our BLOG-magazine

money management

If you’re a single mother, you understand how hard it gets to pay bills in a timely manner while saving up for emergencies pertaining to your children. Since you are the only one providing for your children, you will need to be disciplined with your money and distinguish between your wants and needs. If you can do that, then you can start creating savings funds for different scenarios.

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at our Money Management BLOG (new win)

5 Tips to Help Manage Your Money and Your Future

from our BLOG-magazine

money management

Proper money management is critical to securing your future. Unfortunately, far too many individuals fail to understand what it means to properly manage their money and fall into bad money managing habits. Finding the right balance between spending and saving can be a bit precarious. Here are five simple strategies to implement in your life and really live by.

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at our Money Management BLOG (new win)

How to Reduce Your Electric Bill

from our BLOG-magazine

money management

There are a lot of reasons to want to save money. There are a lot of different ways to save money. You can eat smaller portions and buy your groceries in bulk. You can shop at thrift stores or give up clothes shopping entirely for a year (or longer). You can trade in all of your streaming media subscriptions and only use the library. You can rent (or buy) a smaller home and cook all of your meals yourself.

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at our Money Management BLOG (new win)

Saving Today to Secure Tomorrow

from our BLOG-magazine

money management

As life goes on, people age, maturity and wisdom steps in and we start getting hit by the bare and bitter realities of life. Everything in this world comes with a cost, be it materialistic or abstract people have to pay a price. However in this time of the world there are people who ride the wave and spend it all like maniacs and then there are people in this same world who spend sensibly, they draw lines for themselves, they save their future by saving today.

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at our Money Management BLOG (new win)

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Latest Mortgage Stories

Mortgage Stories © ML

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 ...—