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Bankruptcy Myths: How true are they?
Whenever we hear the word bankruptcy, an image of an irresponsible individual struggling to control his budgets or pay his debts comes to mind. Bankruptcy is often considered a disgrace. It is a word people want to stay away from, as far as they can. A number of...
The Perks of Debt Consolidation
What is Consolidation? Debt consolidation is essentially a technique that enables you to pay all of your withstanding debts through one single loan on lower interest rates and monthly payments. But before considering it your very last resort, make sure you are...
Financial Bump Ahead: Spotting the Signs
How heavenly would it seem if all our bills were paid on time and loans and money borrowing went out of the equation? Sounds ideal, yet of course hypothetical, at the same time. Financial troubles often come with ringing warning bells. Spotting them early with a...
Adopting a Thrifty Lifestyle
Believe us when we say that you alone are capable of changing your life. You are solely responsible for what happens to you, so you can either choose to turn your life around by changing your attitude towards it or simply sit around and whine about your situation. The...
Make Your Paycheck Last Longer
Counting days until the paycheck for the month arrives is something most of us do. Stretching the limited amount of money through the last few days remaining is a tricky ordeal, yet most of us tend to go through it. However, the good news is that you don’t have to...
Be Smart – Save Money
By far the smartest way to avoid going bankrupt is to save. It is sad, that most people do not realize the importance of savings. It is an art that not only helps you maintain a healthy financial position but also aids you when the situation resembles more of a...
How to Improve Your Credit Rating
A credit score matters a bit too much when it is your financial standing that is being evaluated. Thus it is important for you to know where you stand, and what can be done about improving your position. For this purpose alone, you should know how to obtain and...
Creative Budgeting and a Debt-Free Lifestyle
An increasing number of people are ending up deep in debt nowadays; most of them do not realize that it is possible to actually improve their financial standing and debt payment schedule. Simply put, some effective planning and modest lifestyle changes can help avoid...
How Bankruptcy Affects You
Bankruptcy, like everything else, has its consequences- both good and bad. If you plan to declare bankruptcy in order to get out of the sea of debt, you might want to know how bankruptcy will affect you and your life. Following are both sides of the coin to help you...