Debt is a four letter word that almost every person has had to deal with since the beginning of written time and history.  Debt was talked about in the bible, by Shakespeare, and by tens of thousands of other authors since.  The posts found in this category have to deal with either my personal relationship with debt, or the idea in general.

Loans 101: When Are Personal Loans A Good Idea?

You’re trapped between a rock and a tight place. Somewhere along the line, the budget got dragged through hell. The wallet was set ablaze, and your stress levels hit mountain high’s. Now you find yourself facing bills with no clear path to staying out of debt. You may be thinking about getting a personal loan. Let’s face it, taking out a loan sucks. Credit cards charge a brutal 14% interest rate, which means it’s almost impossible to keep up with payments. But getting a personal loan isn’t always a bad idea. In this article, I’m going to share with you a few [...]

By | 2018-05-01T11:05:31+00:00 May 1st, 2018|Debt|0 Comments

How to Stop Collection Calls from Running Your Life

Generally, the sound of your landline ringing or the sight of your cell phone lighting up would be a neutral, or even positive, experience. After all, you have this technology in the first place to keep in touch with the world. But when debt collectors are hounding you, these simple occurrences can send a chill of anxiety down your spine. Or, they spawn annoyance—especially if they reach the incessant level. So, how can consumers stop collection calls from running their lives? The solution is two-fold: Know how to deal with collectors in the moment and proactively address your debt so you can [...]

By | 2018-05-02T08:51:00+00:00 May 1st, 2018|Debt|0 Comments

When Your Credit Is Not So Great, What Are Your Options?

No matter how many times you resolve to stay clean, it's likely you may end up ruining your credit due to defaulting on certain loans. The problem is that bad credit leaves you with no options when it comes to applying for finance in the future. And improving your credit score feels like an uphill task. Well, even when things look glum, there are some easy things that you can do. It'd be best if you kept a note of all the options you have to restore your credit back to healthy levels again. Get A Secured Credit Card: Most people who have [...]

By | 2018-03-12T00:16:37+00:00 March 12th, 2018|Debt|0 Comments

Effective Strategies for Improving Your Credit Habits

If you ordered a free credit report recently and it reflects a financial history that is less than sterling, it is important to remember that it is never too late to improve your spending habits. Even if you find yourself carrying a substantial amount of debt, there are ways to pay off your loans and credit cards more efficiently. From opening new lines of credit wisely to communicating with your lenders when times get tough, committing to new and improved financial habits can boost your credit score, earning power, and ease the worry you may feel over your current debt. Be Conservative [...]

By | 2018-01-30T19:51:26+00:00 January 30th, 2018|credit cards|0 Comments

What A First-Time Nissan Car Buyer Needs To Know About Financing

It’s an exciting time when you are a first-time car buyer - but it can also come with high anxiety. Signing on the dotted line to take on the debt of a new car can feel like a huge financial weight. It’s not just about the payments every month; there can also be the fear that you won’t qualify for a loan at all. If you don’t know what your credit history is like, then you might be wondering how much you can afford - or if you can even afford a new car at all. If you are a first-time finance-finder [...]

By | 2018-01-24T13:42:27+00:00 January 21st, 2018|Debt|1 Comment