Budgeting Tips – How Can I Retire?

How can I Retire? One of the biggest questions we face is “How can I retire?” In today’s financial situation. We spend our retirement without even thing about it. Living for today or trying just to survive will catch up to you in the end. Planning ahead is the key. Something we really don’t do,… [Read More]

When in Debt – Who You Going to Call?

What are we supposed to do when we experience financial difficulties?  If simple changes to the budget or the liquidation of assets doesn’t resolve the problem where can we turn?  We see the advertisements on TV and the Internet offering solutions but we have also read the horror stories of con-artists and less than scrupulous… [Read More]

Credit Tips – Your Credit Score and You

  Whether you’re buying a home, a car or applying for a credit card, Lenders want to know the risk they’re taking by lending you money. FICO scores are the credit scores used by 90% of the top lenders to determine your credit risk. Your FICO Scores (you have FICO Scores for each of the… [Read More]

Using Credit Counseling to Put Student Loans Behind You

Nearly 20 million Americans attend college each year. Of that 20 million, close to 12 million – or 60% – borrow annually to help cover costs. There are approximately 37 million student loan borrowers with outstanding student loans today. As of the fourth Quarter of 2014, the under 30 age group has the most borrowers at 14… [Read More]

Own Your Life – Setting Up Controls

Setting up Controls OK, so now you have your budget, but a bunch of numbers on paper doesn’t mean much.  You have to start following the budget and that is going to be difficult, especially the first couple of months.  To make sure that you are following your budget you are going to have to… [Read More]

Own Your Life – Creating a Budget

A Debt Coach covered Financial Goals and Estimates vs. Actual in the last two publications. Before you can create a workable budget, you need to figure out your goals, net monthly income and your current monthly expenses. If you have not completed or read the first two publications, Please go back to Own your Life… [Read More]

Payday Lending – How to Deal With the Present Day Mafia

Present Day Mafia – The Solutions If you ever found yourself having to use these high interest rate lenders then I know you have experienced sticker shock. It is a tough decision to make, but when the needs outweigh the costs your choices are limited. If your credit keeps you from getting a credit card… [Read More]

Pay Day Loan Tips – Dealing With the Present Day Mafia

Present Day Mafia How I long for those day when you sit back on the stoop, watch the kids play stick ball in the street and wait for that home cooked meal. Immigrants with dreams of a better life. Operating stores and doing everything they can to make this dream a reality.  When times got… [Read More]