My Finance Magazine

Credit

Credit Report Hassles

There is no end to the amount of pain that your credit report can cause you. If you have a bad credit history this is something that can follow you around and wreak havoc on your life without you even knowing it. Do you know how many people did not get a job because their credit report was awful? Thousands and how many do you think realized that that was the reason they did not get a call back? I would venture to say a big fat zip. Credit counts for... 

Debt Consolidation

How to Find the Best Debt Consolidation Secured Loan

If debt is a way of life for you, it’s time for you to consider finding a debt consolidation secured loan. This loan is designed so that you can pay off some or all of your debt, leaving you with a single low monthly payment instead of multiple payments that keep increasing as time goes by. Since you offer collateral as security for the loan, the debt consolidation secured loan usually has a lower interest rate and is easier to get than some... 

Debt Relief

Debt Problems? You Can Negotiate With Your Creditors

It is always possible to negotiate with creditors ? even if they have already taken you to court to get a judgment or to garnish your wages. Getting a creditor to reduce your monthly payment helps and does provide short-term relief. However, this is only a temporary measure and you need to remember that the interest on your debt will continue to pile up. You need to negotiate settlements with your creditors to get real debt relief and fix your credit. Let’s... 

Loans

A Little Lesson on Loans

The opportunity to spend money is everywhere. There is no shortage of places that will take your cash. In fact, to keep the money flowing out of your wallet, banks and merchants continually come up with easier ways for you to spend it. But when it comes to borrowing money, suddenly the cash pipeline doesn’t operate so smoothly. Money becomes a more complex issue with documents and terminology that practically require you to have both an MBA... 

Mortgage Refinance

Mortgage Advice

In the US today more households have mortgages than ever before. In fact the chance of you having or knowing someone who is paying off their mortgage is greater than 50%. You would think that because they are so common most people would have a good idea on how they work. Surprisingly that is not the case, in fact the majority of people who are currently paying off their mortgages know little more than their monthly payment information. In this market... 

Personal Refinance

Save Money on Groceries: Part I

One universal of humanity, no matter who you are or where you come from, you have to eat. Unless you grow your own food, you will have to go to the grocery store to get it. That means money. Here are two very simple but highly effective methods for saving money on the food you buy. Save Money on Groceries: Coupons While you can find them everywhere, people rarely use coupons. If you are one of those people who does not use coupons, this phrase may...