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Advanced Budgeting

Janet — Sun, 22 Mar 2009 22:49:14 +0000

In a previous post I explained my method for setting up a budget. Not only can a budget help you spend and save, but once it is working for you, a budget can provide financial flexibility. In order to get maximum flexibility from your budget, first try to get yourself into a position where the [...]

Advanced Budgeting is a post from: Were in Debt - Personal Finance Blog

Setting Up a Budget

Sneaky Tricks from Credit Card Vendors (Part 4)

Erin — Fri, 20 Mar 2009 17:50:10 +0000

Credit card companies need to make money just like everyone else. If they couldn’t make money by extending credit, they wouldn’t be in business, and that would force us to pay cash for everything from coffee to vacations. There is obviously a place for credit cards in our society. However, some tricks that credit card [...]

Sneaky Tricks from Credit Card Vendors (Part 4) is a post from: Were in Debt - Personal Finance Blog

Sneaky Tricks from Credit Card Vendors (Part 3)

Erin — Tue, 17 Mar 2009 12:53:32 +0000

Sneaky Tricks from Credit Card Vendors (Part 3) is a post from: Were in Debt - Personal Finance Blog

Sneaky Tricks from Credit Card Vendors (Part 2)

Erin — Sun, 15 Mar 2009 20:55:32 +0000

Sneaky Tricks from Credit Card Vendors (Part 2) is a post from: Were in Debt - Personal Finance Blog

Sneaky Tricks from Credit Card Vendors (Part 1)

Erin — Thu, 12 Mar 2009 12:34:55 +0000

Sneaky Tricks from Credit Card Vendors (Part 1) is a post from: Were in Debt - Personal Finance Blog

Tax Assistance for Lower Incomes

Erin — Sun, 08 Mar 2009 01:27:43 +0000

Nobody likes tax time. For most people, it’s a drag to get all your paperwork together, decipher the tax form (or find a tax preparer who won’t skin you), and wait with bated breath to see who owes who. For many low- to moderate-income earners, though, there’s some help out there. Every year, billions of [...]

Tax Assistance for Lower Incomes is a post from: Were in Debt - Personal Finance Blog

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Saving for a Rainy Day

Erin — Thu, 26 Feb 2009 02:16:39 +0000

As Eeyore might say, these days it’s always raining. With the economy turning upside down and unemployment rising, it may be a good idea to take him seriously. To keep yourself secure after a loss of income, it’s important to build a rainy day fund, or emergency cushion to get you through tough times or [...]

Saving for a Rainy Day is a post from: Were in Debt - Personal Finance Blog

Pay Yourself First

Erin — Wed, 18 Feb 2009 15:53:40 +0000

Everyone wants to build wealth right now, this second, as quickly as possible. If you make six figures a year (or if you’re dishonest—think Madoff), maybe it’s possible. But for the rest of us peons, slow and steady wins the race. Pay yourself first, and get a jump on the rest of the tortoises out [...]

Pay Yourself First is a post from: Were in Debt - Personal Finance Blog

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Dealing with collection agencies

Janet — Sat, 14 Feb 2009 17:20:59 +0000

I was watching a cable news financial show the other night. They had a segment on debt collectors and unfortunately, gave very bad and flat-out wrong advice, so I thought I would write about this topic. Thanks to a financially-irresponsible ex-husband (and yes, that is why he is an ex), I have lots of experience [...]

Dealing with collection agencies is a post from: Were in Debt - Personal Finance Blog

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The rule of 72 (Part 2)

Erin — Thu, 12 Feb 2009 16:08:17 +0000

Now for the bad news. The same rule that tells how long it’ll take to double your money also tells you when you’ll double your debt. That’s right; this rule applies not only to the interest rate you RECEIVE, but also to the interest that you PAY. And because most debts, particularly credit cards, charge [...]

The rule of 72 (Part 2) is a post from: Were in Debt - Personal Finance Blog