The holidays come with a host of stressors, the most Xanax-inducing of which is perhaps overspending. Sure, we make our lists and check them twice, but we're still human. Sales, discounts and deals are flashed furiously before your eyes while you're ...
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10 Key Characteristics of Debt-Free People
The other day a friend and I were discussing why some people manage to live their lives in complete control of their finances, while others are continually struggling to get out of debt -- no matter how much money they make.
Financial freedom can ...
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Was Your Credit Card Application Rejected? Here’s Your Options
Nobody wants to have a credit card application rejected, but it happens. If your application was denied, the good news is there are steps you can take that may still put plastic in your wallet.
Rule out simple application errors
You rejection ...
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3 True Loan Stories: How to Lend Money to Family & Friends
Giving out a loan is always a dicey proposition. After all, once you lend the money, there's no guarantee it will be repaid.
The stakes are even higher when we lend money to our friends and family – or even cosign a loan – because we not only risk ...
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Credit Score Criteria: The 5 Indicators That Determine Your Score
Your credit score is a financial report card that tells lenders how risky it is to do business with you. Scores range from 300 to 850.The higher your score, the more likely you are to pay back a loan – and that means that lenders will be more willing ...
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What is a Logbook Loan?
It is unfortunate that most people are denied payday loans due to the fact that they are unemployed, self-employed or because their monthly spending is higher than their income. In other cases, this can be due to the fact that they do not meet the ...
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How to Get a Higher Credit Score No Matter How Bad Your Finances Are
Imagine being so rich you never had to borrow money! Sadly, most of aren't that fortunate, which is why many people endeavor to discover how to get a higher credit score.
If you're wealthy enough to pay cash for any car or home you like, then you ...
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Important Things to Know About Bankruptcy
Filing for bankruptcy is a major decision, but it is also a structured legal tool designed to help people and businesses get a financial reset. There are many important things to know about bankruptcy. Understanding how it works, what it can and ...
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Does Birth Order Influence Financial Behavior?
Many people believe birth order is responsible for their status in life.
I happen to be a firstborn child, which is why I love to remind my younger sister that scientific studies suggest firstborn kids are smarter than their ...
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Why Personal Deficit Spending Can Actually Be a Good Idea
Most personal finance bloggers extol the virtues of frugality and I'm normally among them. It's true. People generally get wealthy (and more importantly stay wealthy) because they learn to live well below their means. But sometimes, personal deficit ...
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Are You Prepared for Managing Money and Other Responsibilities?
I have an 11-year-old son who is clamoring for a cell phone. But cell phone aside, my son has been getting an allowance and, quite often, Granny tops off his piggy bank during Christmas and his birthday. I've observed some very interesting things ...
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7 Ways to Improve Your Finances Before Winter Sets In
Summertime, with all its outdoor fun and activities, can do a considerable amount of damage to your budget – but there's no reason to panic because autumn is a great time to concentrate on getting your financial situation back on track. If you want ...
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How to Get a Car Loan If You Have Terrible or No Credit
Getting a car loan is very easy if you have a good credit score that meets the lending criteria of the financier, but when you have a poor credit report or no credit at all, the exercise can become really difficult. If that's your hard reality, then ...
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18 Amazing Credit Card Facts You Probably Didn’t Know
If you're like me, you never ever give your credit cards a second thought. However, after recently getting stuck in a supermarket line behind a nice lady who decided to pay for her groceries with a giant bag of loose change, I developed a new-found ...
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4 Rules for Cashing Out Your 401k When You’re In a Financial Pickle
There may be times in life that you'll fall into financial hardship, and it's wise to plan ahead for the inevitable. An emergency fund -- that is, a generous amount of cash in your savings or another account -- is ideal for dealing with these ...
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Exploring the Cons of Informal Borrowing
Informal borrowing often seems like an attractive funding option for investors looking to finance a new real estate project. After all, it’s a quick and easy solution when cash is tight, and there’s often no paperwork, no credit checks, and no ...
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What Is a Balance Transfer Credit Card?
Balance transfer cards are specifically targeted for those who are looking to consolidate debts spread across multiple credit cards by transferring them to a single credit card account. Best of all, you can transfer balances from gas, store and other ...
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Debunking Common Legal Myths About Nursing Home Debt
Nursing homes are long-term medical care communities for older adults who need round-the-clock, hands-on care from medical staff. Older adults with dementia, mobility conditions, or other disabilities often reside in nursing homes for safety and ...
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How to Take Control When You’re Deep in Debt
If you're lost in financial debt, getting back in control can seem like an uphill struggle. With the high cost of living and stagnant wages, it's not always easy to pay what you owe -- especially if you've been borrowing from multiple creditors over ...
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Good Personal Finance Habits Everyone Should Follow
There are good habits and there are bad habits - and I have a lot of bad habits.
For example, I tend to bite my nails when I get stressed out. I also have a penchant for opening the cupboard to get a drinking glass -- then walking away and leaving ...
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