Wants and Needs
Now this is the area that gets most people in financial difficulty in the first place. There is a huge difference between wants and needs and if you honestly look at your financial position and...
View ArticleWasting Money Creating Debt
Most people are surprised to see how much money they waste and never knew about it until they start tracking their expenditure. The majority of the population would have a far better credit score if...
View ArticleWhat is FICO
The various credit bureaus can use different methods at arriving at your score and this is why you can sometimes have more luck getting credit from one lending institution than another. The industry...
View ArticleWhat to do with a Budget Surplus
Where there is a budget surplus you should apply those funds towards clearing the debt that you are paying the highest rates of interest on. Where you have accounts that offer a discount for early...
View ArticleWhich Debts Need Paying First
The debts that need paying first are the ones that will cause you the most grief if left unpaid. It goes without saying that taxes are at the top of the priority list as the IRS has more powers than...
View ArticleYour Credit History
While there is nothing you can do about your past history you need to understand that this is one of the most important factors that the credit bureaus will use to determine your credit score and...
View ArticleYour Credit Score and the Bureaus
With the knowledge of how your credit score is calculated you can focus your attention on making the right moves to help boost your ratings no matter what your current financial position might be. You...
View ArticleYour Current Debts
It is surprising to many people when they find that their current debts affect their credit score almost as much as their previous history. In fact almost a third of your credit score is determined by...
View ArticleCool resource
A shout out to Rachel Roberts who sent me this cool resource: An “infographic” showing how to improve your credit score. Let me know what you think. Andrew Cool resource is a post from: Divorce From Debt
View ArticleImportant facts to check before you zero in on debt consolidation
Debt consolidation is supposed to be an effective solution for the pestering debt problems. Well, it’s true that debt consolidation helps to eliminate debts and achieve financial freedom. However, this...
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