Credit Card Debt - Everything Finance

3 Questions To Ask Yourself When It Comes to Splurging

Published on May 17 2013 // Personal Finance

Last week, I decided to have a big splurge. I bought an international plane ticket last minute to go home and visit my family. I had some time off of work, it was Mother’s Day, and it was also a few days before my birthday. While I hadn’t planned on seeing my family until the holiday season,...

How To Avoid the Temptation to Spend

Published on May 10 2013 // Personal Finance

The temptation to spend is all around us. In fact, I would argue that it’s almost inevitable that we want to spend something at least once every day and that it takes self control and forethought to have a “no spend” day. So, why do we feel the need to spend every day, and what can we do to try...

3 Tips For Calling Your Credit Card Company

Published on Apr 12 2013 // Credit Cards

I know that not everyone likes talking on the phone. I get it. It can be a little awkward, especially if you are calling your credit card company to ask for something that you want. This could be anything from lowering the interest rate on your card to having some fees waived. It’s very hard to...

5 Ways to Save for a House Down Payment

Published on Apr 08 2013 // Debt, Housing Market

After years of waiting, we’re getting the itch to buy a home. However, for most people, the process of beginning to thinking about buying a home to actually buying one is usually several years, largely because you need to get your finances in order and save for a hefty down payment. Before you...

Our Top 3 Financial Tips for Generation Y

Published on Jan 31 2013 // Personal Finance

Call us what you will. Millenials. Gen-Y. Echo boomers. (We’ve been called worse.) The truth is, it doesn’t matter what the “title” of our generation is, since it’s up to us to decide how we’ll be remembered. It’s up to us to counter the way we’re perceived, which unfortunately includes...

How to stick with your goals for the new year

Published on Jan 06 2013 // Debt, How To Guide, New Year

It seems to happen every year–everyone makes these great New Year’s resolutions and goals, start off strong in achieving them, and end up slacking off by the third week of January. You wouldn’t be the only one that this happens to. Scientists agree that it takes approximately three...

The Debt Movement Is Here: Will You Join?

Published on Jan 02 2013 // Debt

(Photo credit: Images_of_Money) Debt is a tool that can allow you to have something now that you can’t truly afford. The majority of people take on debt to buy a home; saving up cash to buy a home outright is nearly impossible for most people. Many also borrow to buy a car. Then there are...

Saving Money Is Hard – How to Make It Easier

Published on Oct 29 2012 // Savings

Image Source: findyourcashcow.com Saving money is hard. It is. We are bombarded with advertisements that encourage us to spend money, and people around us often spend money freely. Add in the increased cost of basic goods such as gas and groceries along with salaries that are often stagnant for years...

Paying Off Debt Vs. Saving: How do you decide?

Published on Oct 23 2012 // Finance Life Stages, Savings

For those that have graduated college in the past five-ten years, chances are you’re still paying off student loans. Six years after college, and I am still faced with approximately $20,000 in loans, even though I’ve already paid down more than $10,000. I often wonder how people my age, the...

2012 Graduates Return Home

Published on Jun 05 2012 // Kids and College

A new study by eHealthInsurance finds that recent college graduates are in for a reverse sticker sock when they see potential earnings for their chosen career field. Their expected income is much less than they thought and that’s if they are one of the “lucky” two-third‘s of those surveyed to...

When Filing for Bankruptcy Is the Best Course of Action

Published on May 31 2012 // Debt

The last decade has been a financial nightmare for many American families. Two business downturns, the last being especially severe, and continued outsourcing by companies to stay competitive have taken their economic toll on our entire population, some sectors more harshly than others. Disposable...

Is it okay to hire a cleaning lady when you have debt?

Published on May 03 2012 // Cost of Living, Debt

My husband and I have been living in our new place for almost three months now and we have still been unable to create a standard cleaning schedule. It used to take me a couple of hours, tops, to clean our 400 sq. ft. shack, but now it takes me at least a solid several hours (I’ve never actually cleaned...

Best Strategies to Pay off Your Credit Card Debt Faster

Published on Apr 26 2012 // Debt, Supporter

I receive an overwhelming number of e-mails and phone calls from people willing to know how they can pay off their credit card debts faster. And the numbers of calls have only gone higher with worsening economic crisis. Is there a way? In my opinion, there is no single formula, but there are some excellent...

5 Ways To Pay Down Your Debt (Without Living Like a Monk)

Published on Apr 20 2012 // Savings, Supporter

When you spend years treading water in a deep pool of credit card debt, escape can seem like a faraway dream. Sure, you could always solve the problem by selling off all your belongings, taking a vow of poverty and moving to a monastery high on the Tibetan plateau, but your spouse and your boss aren’t...

Benefits to Using Cash over Credit

Published on Mar 14 2012 // Credit Cards, Debt, Supporter

Many people rarely carry cash; instead, they use their credit cards for all of their daily transactions. There are plenty of good reasons to use credit—it is easily accessible, you can track your expenses every month through your credit statement, you don’t have to worry about running out of money,...

How do I stay motivated to pay off debt?

Published on Mar 01 2012 // Debt

It can be hard to stay motivated to pay off debt, especially when you’ve already been paying off debt for more than a year. Making sacrifices and giving up buying things and fun vacations for the sake of being debt free doesn’t feel so great until you’re actually debt free. So how do I stay motivated...