With an ever-increasing level of personal debt being reported, along with record numbers of bankruptcies and insolvencies, it’s no surprise to anyone that money is becoming a big problem for thousands if not millions of people.

Most of us would equate ‘money problems’...

Do You Have A Plan For Sticking To Your Budget?

So youve made your budget and it looks good on paper. Great! Now it is time to implement it. But are you ready to follow the budget youve developed? Here are some helpful tips to keep you on track with your budget.

1. Determine why...

This is probably the most requested topic that I receive, normally after someone gets a large unexpected expense, or they start thinking about retirement and realize that they have saved a woefully inadequate amount of money.

I recommend using a monthly time-frame to look at your cash...

According to a recent “Retirement Trends” survey by Fidelity Investments, 96 percent of Americans saving for retirement don’t know the current contribution limit for an individual retirement account, with some guessing as low as $1,000. The reality is that for tax year 2005,...

A lot more people are becoming interested in debt settlement as an alternative to bankruptcy. That’s because a new bankruptcy law was enacted on October 17, 2005, which means a rude awakening for many consumers seeking a fresh start in bankruptcy court.

It used to be that 7 out of...

Annual income twenty pounds, annual expenditure nineteen pounds nineteen shillings and sixpence, result happiness. Annual income twenty pounds, annual expenditure twenty pounds and sixpence, result misery. Mr. Micawber’s remarks on debt remain just as true today, perhaps more so with the...

The following article covers the liabilities of fraudulent activities for credit cards, ATM cards and debit cards.

Many people find it easy and convenient to use credit cards and ATM or debit cards. The Fair Credit Billing Act (FCBA) and the Electronic Fund Transfer Act (EFTA) offer...

Whenever the school season is just around the corner, there’s only one thing that parents are thinking about – the impending costs. Education is a primary right and a pertinent need of every child but it can become very costly. Availing of scholarships and education grants for your...

Proper furnace care and smart purchases can help you reduce the high costs of heating your home. That’s good news considering that energy bills-which are already historically high-are expected to continue to climb. In fact, a recent article in USA Today reported that homeowners on average...

Well, were all reeling from our utility bills. So, what can be done to cut energy costs?

Obviously, the best way to cut your utility bill is to go with a non-utility company source of energy. Solar power can be used to warm your house, while geothermal can be used to cool and heat the...

Financial stewardship of a business empire or $100 bill require a particular psychology if they are going to survive over time in the same hands. The lack of this same psychology is why most lottery winners cannot hold onto the giant sums of money they receive; and I call this psychological...

Credit Counseling — Why It Doesn’t Work For Most Debtors

“Cut Your Payments in Half!” the headline screams. “Consolidate Your Bills into One Low Monthly Payment!”

When you see ads like this, they are often from Credit Counseling firms. In this...