Budget For Christmas And Steer Clear Of Holiday Debt – Personal Finance Tips To Follow

Personal Finance Tips To Follow
Most Americans spend hundreds of dollars or more on their holiday gifts every year. Apart from gifts and presents, if you add in the cost of clothes, food, alcohol and other holiday necessities, you end up having a major financial expense on your hands every year. Don’t you think that there are ways in which you can reduce your expenses for Christmas by using some personal finance software along...

Is Your Student Loan Debt Killing The Housing Market Recovery In The US?

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According to recent reports, the millenials already have to deal with huge amounts of education debt that they carried from college, a shaky job market and growing up during a time when MTV no longer plays good music videos. But the sad part is that they’re being blamed for holding back the real estate boom. Home builder adviser, John Burns Consulting, published details from a study concluding that...

Demystifying The Student Loan Bankruptcy Myth – Throwing Light On The Facts

student loan bankruptcy
The age old belief that student loans can’t be discharged through bankruptcy is one that makes us cringe every time we see it. More and more parents and students are worried about their surging student loan bills as they fear to think about the consequences. Every one is of the opinion that unlike credit card debt or payday loan debt, student loan debt can’t be discharged through bankruptcy and...

Obstacles To Face In 2014 – How To Get Out Of Debt As Soon As Possible

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According to a survey by Trans-Union, around 48% of Americans are committing to at least one financial resolution in 2014. That being said, it is also seen that 37% of them did not reach their financial goals in 2013. Resolutions are hard to keep but easy to make. In fact, goals can be more achievable when you have a financial coach by your side. 2014 can be a tough year for all those who are not financially...

The Complete Mechanics Behind Structured Settlements

The Complete Mechanics Behind Structured Settlements
Where did you first come across the word ‘structured settlements’? Was it late night television ads where they spoke of immediate access to your money? You must have often heard them exhorting “It’s your cash! Cash in your structured settlement and get immediate access to your money!” If you were a successful plaintiff in a lawsuit, your relation with structured settlements must have been...

Selling Off Your Structured Settlements Or Annuity – A Look Into The Reasons

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Are you someone who has received a lump sum amount of structured settlement due to some personal injury case that you won? Do you need cash right away or you want it throughout a long period of time? There are people who choose to sell off their structured settlements to which they’re entitled. But what may be the reasons behind selling off your structured settlements? Well, there are many different...

Rates On Student Loans Just Went Up – How To Manage Student Loan Debt

student loan debt
With the onset of July, 2014, students will have to pay higher rates on their federal student loans in the approaching school year. According to recent reports, undergraduates who will borrow new Stafford Loans will have to pay a rate of 4.66%. The rates on Stafford loans were 3.86% in the school year 2013-2014. Interest rates have been set for the next academic year and hence the new rates will be...

Build a Better Tomorrow By Saving Your Dollars Today

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None of us have the wish to waste our cash. Henceforth we all might want to save our hard earned money. But in most of the situations we think that it is exceptionally troublesome to save money. Really it needs a bit of diligent work in order to save money. Despite the fact that there are a lot of simple ways, however we ignore those on the grounds that we think its very tough work. This article will...

Settling your credit card – A review of the pros and cons

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Credit cards carry outrageously high interest rates but they can be used properly to maintain a good credit score. Despite knowing this, how many of us use credit cards in a proper way? In fact, there are very few who are even aware of what is responsible usage of credit cards. Are you too following the herd? Do you carry credit cards in your wallet only to misuse them and incur credit card debt? If...

Seek Help Of Debt Consolidation If You’re Tad Behind On Your Finances Post Xmas

Are you finding yourself a tad behind on your finances post Christmas? If answered yes, you’re not alone as there are hundreds of other people who have splurged during Christmas and are desperately seeking some professional advice on managing their credit card debt. During the post-Christmas period, most of us fee the impact of overindulgence of a kind. Hangovers come in different forms but financial...