Posted by Madeline Hedley | Posted on 23-01-2012
National Freedom Day is around the corner. On Feb. 1, we commemorate Abraham Lincoln’s signing of the 13th Amendment, which abolished slavery and indentured servitude in the U.S.
But around here, the freedom we most commonly think about is the freedom that comes from proper financial habits. So we’ve been thinking about ways to celebrate your financial freedom.
Here are a few ideas:
Start a new savings account.
There’s no limit to how many savings accounts you’re allowed to have or to how much you can save. It’s entir
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Posted by Madeline Hedley | Posted on 07-01-2012
If you feel like a company you paid for a service has not delivered the best place to start to attempt to resolve the issue is to contact the company directly. If youve tried repeatedly to get your issue resolved by sending an email or leaving voice mail and thats not getting any attention, send a letter by some traceable means that provides you with proof of delivery. A signature or name of who signed for it is even more beneficial.
The least expensive service to use of to send your letter through the post office by certified mail, return receipt requested. When the letter is signed for you will get back a green postcard showing when it was received and who signed for it.
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Posted by Madeline Hedley | Posted on 29-12-2011
Who doesnt want to be surrounded by nice things, step out every day in fashionable clothes, and vacation somewhere luxurious and lovely? Wanting the finer things in life is not uncommon especially if your friends or neighbors already have those things.
Keeping up with the Joneses may make you feel good for a while. But if you have to rack up debt in order to make those luxury purchases, keeping pace with the competition may do you more harm than good.
Excess debt is a major problem in this country. W
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Posted by Madeline Hedley | Posted on 15-12-2011
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There are some individuals that because of their income and assets may not need to file for bankruptcy. Bankruptcy is a tool that can help individuals with income and assets, avoid creditor seizure and garnishment. When an individual has minimal assets and no income they may be judgment proof and may not need to file for bankruptcy.
What Does it Mean To Be Judgment Proof?
A person who is judgment proof is a person who does not have any attachable assets or income from which a creditor would be able to collect from.
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Posted by Madeline Hedley | Posted on 06-12-2011
Before the holidays are over, many consumers will charge an extra $600, $800, even $1,000 to their credit cards. Most shoppers don’t plan for this—it just happens. Department stores tempt them with offers of retail store credit cards, two-for-ones, and big discounts …
But by the time January rolls around, they have giant credit-card-debt hangovers that leave them wondering how they can preserve their finances when they have migraine-headache-sized debt looming over them.
Though they are supposed to be joy-filled, the holidays represent a giant danger to your credit score and your pocketbook. Come
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Posted by Madeline Hedley | Posted on 27-11-2011
You probably heard the saying: “The more things change, the more they stay the same.” But did you ever think it would apply to how your credit score is calculated?
Credit scoring changes are in the works, and those changes can affect how potential lenders will view your creditworthiness. Experian has begun including data that incorporates on-time rental payments in its credit reports, and all three credit bureaus now offer an estimate of income as an option. Cre
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Posted by Madeline Hedley | Posted on 21-11-2011
About 25% of homeowners in the U.S. have a property that is worth less than the mortgage. Read more…
