Your credit report has a lot of information on it. Some of it is necessary for banks and credit unions to make decisions as to whether or not to lend you money. Some of it is arbitrary and has absolutely not bearing on whether or not you are credit worthy. And yet there is quite… Read More Learn to read your credit report
What do you do if you get a call from a debt collector? You probably panic right? Especially if you have never gotten a call from someone in acollection department before. But, you need to remember that you NEED to keep your emotions in check. If you start to feel emotional or start to get… Read More How to Handle Collection Calls
Many times when people want to pay off their debt, they take on more debt. That doesn’t seem to make much sense, but you will find that people often take out “debt consolidation loans” or use equity in their homes or cars. Some people apply for 0% interest rate credit cards and make a balance… Read More What is a debt snowball?
While getting out of debt can seem hard, sometimes talking to our spouses can seem even more difficult. If you’re already in a marriage where communication isn’t easy, talking about money can seem down right daunting. How do we go about talking to our spouse about money if we are already feeling ashamed, embarrassed, nervous… Read More How to have a productive conversation with your spouse about money