Image via Wikipedia 5 Great Reasons To Refinance Your Home There are many great reasons to refinance. With lower cost, adjustable rate, and 0-down options, traditional loan programs like 30-year or 15-year fixed rate mortgages don’t always allow us to meet our financial goals. Today, even reducing your mortgage interest rate a little can save [...]

Recession is a word that fills people with nightmares, dread and bad visions. It’s a time people have long considered  bad for your finances and a time period capable of magically shrinking a dollar’s value overnight. It also seems to instantly increase the cost of basic living. At this point in time money becomes a [...]

Image by voobie via Flickr Mom, Do You Need To Save Money? I need to learn how to save more of our income. I’m not interested in starting a business or making money, but I do believe that a penny saved is a penny earned, so I’d like to hold onto more of my pennies. [...]

Image via Wikipedia The question in the title seems to beg a yes answer. However, truth is, there are two answers with the real one a shocker. At least it was to me. The begged answer is of course yes. It would be yes if you never let anyone have information about your health and [...]

Image by alancleaver_2000 via Flickr Your Debts and Your Debt Collectors – Know your rights.   The Fair Debt Collection Practices Act (FDCPA) applies to personal, family, and household debts. This includes money you owe for the purchase of a car, for medical care, or for charge accounts. The FDCPA prohibits debt collectors from engaging [...]

Image via Wikipedia Common Pitfalls of Credit Card Use And What You Need To Know   Credit cards are one of the financial industry‘s success stories over the last half century, going from strength to strength since the first general purpose card was invented by Joseph P. Williams of the Bank of America in 1958. [...]

Image by yksin via Flickr DIY Credit Repair Tips That Anyone Can Do   While many people believe that getting their bad credit repaired can only be done through a professional agency, this is simply not true. By going to a credit agency, you might find that it takes a great deal more time and [...]

Wealth impacted by credit.  Is it time to prevent the madness? Ever thought about how in the world you’d pay back everything debt? Or why the cardboard company just decreased your limit? Can remember the past when existence was simple – when bank card companies were stuffing your mailbox with an array of % offers? [...]