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Debt Increase: Overview Of The Problem

Posted on June 11, 2012 by Kristy Lamar

Americans are fighting with debt and the outlook does not look like it will present itself with instant relief for those people. Jobs are becoming increasingly harder to come by as a greater number of people enter the work force than there are new job openings. During the month of April, mortgage servicers reported that over 63,000 loans, which are backed by the Federal Housing Administration, had foreclosure proceedings started against them. These  fallen loans are those that had been funded during  2008 and 2009. It is uncertain whether or not it is a beginning of … Continue reading →

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Saving Money: Save A Little…Save A Lot

Posted on June 10, 2012 by Kristy Lamar

Using money saving tips everyday will be saving you handfuls of change or even a few dollars at a time. Put all these savings into a bucket and your total will be shockingly large by the end of the year. Let’s take a closer look at a few specific ways you can save money. Do you stop for coffee in the morning? Depending on your coffee order and whether or not it may include a croissant or pastry, you could be spending up to $3-$5 each work day. Based on … Continue reading →

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Financial Stresses Linked To Health Problems

Posted on June 9, 2012 by Kristy Lamar

Medical professionals have been warning people for many years to de-stress their lives in order to prevent medical issues. Financial stresses have emerged as a major concern for the medical field as more and more patients are showing signs of stress related symptoms. Health problems are now being linked to financial stress.  There are many financial problems lurking in many American households. Whether it is with the rise in food, gas prices, mortgage problems, or difficulties keeping up with debt; the effects of financial stress are emerging into depression, sleep disorders and anxiety. … Continue reading →

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Bankruptcy:Defining The Difference Between Chapters 13 And 7

Posted on June 8, 2012 by Kristy Lamar

When debt is bad enough and no other option is available to you, the next serious step to inquire about is bankruptcy. This decision is not to be taken lightly as it has some serious consequences that goes along with it. To begin this process, you will need to hire a lawyer. When you do choose a lawyer, you will be expected to pay upfront costs. Be aware of the money involved with the procedure, the time it will take, any requirements that may be expected of you, and the price … Continue reading →

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Financial Trouble: Recognize The Signs

Posted on June 7, 2012 by Kristy Lamar

When do you know that you are in financial trouble? Not doing anything gives more time for your budget problems to grow and sink you further in to debt. There are steps you can take to begin paying off your debt. Protect your assets, bank accounts and improve your standing with creditors. How can you tell when you have too much debt? Many of your credit cards have reached the limit. Minimum payments are being paid to creditors each month. You will apply for any credit card that is offered no matter the terms. You practice transferring balances between credit … Continue reading →

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Payday Loans and Cash Advances: 10 Things to Consider Before You Sign

Posted on June 6, 2012 by Kristy Lamar

There are countless of avenues to turn to with getting assistance with your finances, but not every avenue  will lead you in the proper direction. Risking your hard earned money by not fully understanding the road you are on will not support a working budget. In this day and age, most families are struggling to keep up with all the financial demands of running a household while maintaining a way of life for the family. Cutting out expenses can help keep the budget to stay on task, but sometimes, emergency costs … Continue reading →

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Debit Cards: How Do They Work?

Posted on June 5, 2012 by Kristy Lamar

Debit cards are becoming more popular as they are {frequently|often|} being used as a replacement for filled credit cards. These cards often come attached with a major credit card logo, allowing them to be used with a personal identification number (PIN) or charged like a credit card. The major difference between this type of debit card and a regular credit card is that the price for which you charged will be treated just like a check. Sometimes the amount will be deducted automatically while others may take a few days to go through, … Continue reading →

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Debit Card Safety

Posted on June 4, 2012 by Kristy Lamar

Be aware of some drawbacks to using your debit card. For starters, there are some circumstances when merchants will place a temporary hold or block on money in your account which can last a few days. What does this mean to the card holder? It means that the merchant has taken a precaution to protect the charges you have or may have charged by placing a block on a certain amount in order to reserve room for any additional spending on your part. Examples of blocking by a merchant: You … Continue reading →

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Debt Problems: Help for the Elderly

Posted on June 3, 2012 by Kristy Lamar

There continues to be a rising problem concerning the debt of the elderly. As cost of living expenses rise, the elderly are using credit cards to help make ends meet. Pensions do not rise and Social Security has barely risen more than a percentage, which leaves very little room to take care of rising costs without using credit cards or draining savings accounts. There are a third of retired people utilizing Social Security as 90 percent of their income. This reflects upon the serious problem with debt and the elderly. Credit cards are becoming … Continue reading →

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Student Loans: Collections Differ from Other Unsecured Loans

Posted on June 2, 2012 by Kristy Lamar

Loans fall into two categories, secure and unsecured. A secure loan is money which is tied to property such as a home or car used as collateral. This practice gives the lender more security. If you do not pay the lender back, your property will be seized. An unsecured loan does not use property for security, rather, it is based on your credit history and good faith that the money will be repaid. Lenders of unsecured loans scrutinize the applicants more closely because of the risk involved. Student loans fall under the unsecured loan definition as … Continue reading →

Posted in Cash Advance, Help with Debt, Money Saving Ideas, Payday Loan | Tagged , , , |
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