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Make Your Own Debt Reduction Plan
As an increasing number of people are finding themselves in over their heads in debt, many are turning to various debt management programs for assistance...
Author: Debbie Dragon - Category: Finances
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3 Basic Principles For Good Personal Finance Habits
There are three basic principles surrounding good personal finance habits, and they are:
* Live Within Your Means by Spending Less Than You Make
* Making the Money You Do Have Work More For You
* Anticipating and Preparing for the “Unexpected”
Living Within Your Means
Everyone talks about living within your means, which simply means that you spend less than you make, you avoid excessive debt and you save money...
Author: Debbie Dragon - Category: Finances
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What is Debt Settlement and is it Right For You?
If you're seeking an alternative to bankruptcy due to excessive debt that you can't pay, you may be considering debt settlement...
Author: Debbie Dragon - Category: Finances
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Could You Use More Than One Savings Account?
Originally, savings accounts were created to give people a place to hang on to their money for the future, and to earn a little interest in exchange for doing it...
Author: Debbie Dragon - Category: Finances
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How to Compare Savings Accounts
Savings accounts are where many people hang on to cash for future use – some people save for emergencies, vacations and travel, and the items they would like to buy someday when they have saved up enough money...
Author: Debbie Dragon - Category: Finances
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How to Save Money Christmas Shopping
It's that time of year again – for those of us who are financially disciplined, you've either already completed your 2008 holiday shopping or you've got the money set aside and ready to go...
Author: Debbie Dragon - Category: Finances
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Bankruptcy Explained: What's the Difference Between a Chapter 7 and a Chapter 11?
Before doing any research, you may believe that bankruptcy is simply the process people go through to get out of paying their financial obligations...
Author: Debbie Dragon - Category: Finances
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Free College Education Exists
As high school seniors begin making plans to go to college, the financial reality of it all begins to set in for their parents...
Author: Debbie Dragon - Category: Education
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Using a Credit Card For All Purchases Without Going Into Debt
Using a credit card instead of writing checks for everything you have to pay for during the month is tempting...
Author: Debbie Dragon - Category: Finances
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Taking Responsibility For Your Credit Cards
In numerous cases, credit card companies issue cards to customers who may be deemed, risky In many cases they do so at a higher interest rate...
Author: Debbie Dragon - Category: Finances
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Tips For Avoiding Bankruptcy
Bankruptcy is a process governed by federal laws that will cancel many of your debts through an order of the court...
Author: Debbie Dragon - Category: Finances
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How Much Money Do You Need to Retire?
It's amazing to me how many of us go through our working years without too much thought of how we'll live when we retire...
Author: Debbie Dragon - Category: Finances
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Not All Debt Consolidation Programs Can Rescue Your Financial Situation
While debt consolidation almost always helps people get control over excessive, high interest debts, there are actually instances when it doesn't offer much relief...
Author: Debbie Dragon - Category: Finances
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How to Create a Household Budget
If you don't have an actual “budget” in place for your household, you may be completely scared whenever you hear someone say they're “making a budget”...
Author: Debbie Dragon - Category: Finances
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Year Round Organization Saves Time and Money at Tax Time
Many people experience the “tax season rush” that occurs every April They've waited until the last minute to look for essential paperwork, and then the actual filling out of the required tax paperwork takes much longer than expected...
Author: Debbie Dragon - Category: Finances
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Using a Home Equity Loan to Pay Off Credit Cards
The majority of Americans carry some sort of credit card debt Unfortunately, many of us carry so much debt at such high interest rates that it becomes difficult to make a difference in the amount we owe, even when we send a payment to the credit card company each month...
Author: Debbie Dragon - Category: Finances
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Are 0% Balance Transfer Offers Really Free?
Paying off credit card debt with 0% interest is a dream come true – which is exactly why a large number of credit card companies offer the promotions...
Author: Debbie Dragon - Category: Finances
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6 Things You Don't Know About Credit Cards
By law, credit card companies have to disclose their fee schedules to consumers The trouble is, the calculations of these fees and finance charges are often found in the fine print of the account disclosure statement you receive when you first open your credit card account...
Author: Debbie Dragon - Category: Finances
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The Three-Digit Number That Controls Most Of Your Life
Some people will tell you there are three little words that can completely change their world While “I love you” may be the most emotional phrase in the English language that will cause people to do things they wouldn't do otherwise; there is a three digit number that contains amazing power over our lives...
Author: Debbie Dragon - Category: Finances
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Understanding Frozen Credit
Credit freezes are often confused with fraud alerts, but they are really nothing similar A fraud alert is when new creditors are alerted that you may have been the victim of fraud, and the creditor is required to take additional verification steps that prove they should be accessing your credit and opening an account for you before they can issue the credit...
Author: Debbie Dragon - Category: Finances
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Becoming Mortgage-ready
Millions of Americans want to become homeowners If you're like most people, you don't have the cash available to go out and buy a home; so you'll need to obtain a mortgage in order to buy a house...
Author: Debbie Dragon - Category: Finances
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11 Reasons Why You'll Want To Live On A Budget
To some people, budget is a 4-letter word When used correctly, a budget is a tool that helps you know where you're going and how you're getting there financially...
Author: Debbie Dragon - Category: Finances
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Debt Collections: How To Pay Off Accounts In Collections
Next to bankruptcy, having an account in collections is the worst entry you can have on your credit report...
Author: Debbie Dragon - Category: Finances
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Use The Statute Of Limitations Of Debt To Your Advantage
Debt collectors do not have an indefinite period of time to continue trying to collect payments from old debts...
Author: Debbie Dragon - Category: Finances
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7 Reasons Your Small Business Needs A Credit Card
With more than 600,000 new small businesses started each year, it's safe to say that the dream of being a successful business owner is a strong one...
Author: Debbie Dragon - Category: Finances
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Can Your High School Student Have A Credit Card?
Most credit cards designed for students were created for college students – but can a high school student get a credit card...
Author: Debbie Dragon - Category: Finances
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What Will You Do With Your Rebate?
In 2001, the US economy had entered a recession and the government issued rebate checks to most people in hopes people would run out and spend them and help stimulate the economy...
Author: Debbie Dragon - Category: Finances
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The History Of Credit Cards
Love them or hate them, credit cards are a part of everyday life in the twenty-first century But where did they come from...
Author: Debbie Dragon - Category: Finances
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When Refinancing A Mortgage Doesn't Help
Most of the time, refinancing your mortgage will result in a lower interest rate and/or lower monthly payments...
Author: Debbie Dragon - Category: Finances
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Top 6 Ways To Get Out Of Debt
It's certainly easy enough to get yourself into debt, but when it comes to becoming debt free most people struggle for their entire lives without every fully experiencing a debt free existence...
Author: Debbie Dragon - Category: Finances
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