Were in Debt - Personal Finance Blog

preparing for layoffs: new income sources

Janet — Sat, 11 Apr 2009 23:01:54 +0000

My company fired nearly 1,000 people this past week. That was in addition to 5,000 last year. There already is speculation that more will come. Fear of a job loss is a frequent topic of conversation around the office and I have found myself in a position of counseling many of my coworkers. Here is [...]

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Credit Card Company Reversing Fee

Janet — Mon, 30 Mar 2009 21:48:13 +0000

Some good news for credit card users. Chase Bank has agreed to drop the flat monthly service fee, which it added to more than 184,000 accounts in January. In addition, anyone who was charged the fee will have the money refunded. It took the attorney general of NY to broker this deal on behalf of consumers. [...]

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I am refinancing

Janet — Sun, 22 Mar 2009 23:11:52 +0000

Several articles on this site discuss refinancing from a theoretical point of view. I thought I would share my experience with an actual refinance. I am refinancing for a reason I haven’t seen discussed anywhere- to substantially lower my payment. I am moving from a 15 year mortgage to a 3o year mortgage. With my [...]

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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 income [...]

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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 [...]

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Sneaky Tricks from Credit Card Vendors (Part 3)

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

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Setting Up a Budget

Janet — Mon, 16 Mar 2009 22:42:55 +0000

Do you have a budget? Many people think of a budget as almost a form of punishment that keeps them from spending money on things they want. If used correctly, a budget is a powerful tool that can help you get the things you want in life. So why not start one today? I like to [...]

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Sneaky Tricks from Credit Card Vendors (Part 2)

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

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Sneaky Tricks from Credit Card Vendors (Part 1)

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

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Thinking of Refinancing?

Erin — Wed, 11 Mar 2009 12:26:16 +0000

Pretty much the only good thing about the tanking economy is that interest rates are down. Not such a good thing if you’re saving and investing, but potentially helpful if you want to refinance your home. Over the last years lenders have been approving some pretty crappy loans. If you have one of them, want [...]

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