Category Archives: Debt

How to use Financial Speculation as a way of overcoming Debt

In days gone by, the common perception was that the spectre of debt could only be overcome by reducing expenditure and commiting to saving money. While this remains viable advice, however, it is not necessarily the most productive method in an economic climate where unemployment remains high and disposable income decidedly low.   Instead, the

Coming Up With a Debt Repayment Plan

Part of my post-summer refocus is to get back to some of the basics with regards to my family’s personal finances.  First step was to reassess my family’s cash flow and make the appropriate changes.  Second step is to take a look at my debt, and come up with a plan. As of September 1st I have

Redeeming your credit card rewards

Credit card reward schemes are a great way to make the most of your spending, but many customers aren’t even aware that their purchases are building up a wealth of reward points: let alone how they can redeem them for perks and treats. Signing up Whether applying for a new credit card or looking for

Back to Zero With Credit Card Debt

When I started my personal finance blog in 2008 I had over $16,000 worth of credit card debt.  It took about a year or so but I paid that all off, and The Wife and I were one of those people with literally zero credit card debt that carried over month to month.   This

Of Course Credit Score Matters to Women

I believe that as humans we often refuse to acknowledge that we are animals, and as animals, we have certain instincts whether we are even conscious of them.  While those instincts can and are often suppressed by society…they sometimes break out without anyone even noticing.  For example, why do 17 year old males feel the