Month: February 2018

From a Sunday school lesson on gossip: The reason a dog has so many friends is that he wags his tail more than his tongue.

God often provides miracles in spite of our own desires. Yes, He is still protecting us even when we make bad decisions.

When you receive debt collection calls do you just ignore them with the attitude "Why bother, I will always have bad credit"? Have you ever attempted to get a free credit score and later find out that it is not actually free? In this article we will discuss the negative aspects of applying these approaches to a life of indebtedness. We will also close with a few excellent tips to help you check your credit regularly and clear up negative items that may appear. We will set up a scenario that may have recently played out in your own life. Things are going well, you are paying your bills and managing your credit quite well because of a nice job that you enjoy. Although you have been hearing rumors of…

Have you decided that it is time to file bankruptcy? Before moving forward, take our Udemy class - Going from Bankruptcy to 800 Credit Score, It Can Be Done - first 10 free expires 4/22/21 I admit it. I, small business owner/writer/computer programmer, have been through bankruptcy. I survived, though! I did not take the approach of ditching the debt and the problems because that is also ditching any responsibility. I paid approximately $1500 per month for quite a few years until it was finally discharged. Although it is still on my credit report for another year or more, I am now able to have a credit card. That credit card has just under a $1,000 balance and a minimum payment of $27. The question asked in the title of…

Have you decided that it is time to file? Before moving forward, take our Udemy class - Going from Bankruptcy to 800 Credit Score, It Can Be Done - first 10 free expires 4/22/21 Pay certain bills in the largest installments possible to avoid additional charges You may have an option to pay bills such as auto insurance in monthly, bi-monthly, quarterly, or semi-annually. These options will generally incur a fee with each payment for the additional processing that is necessary. If you pay auto insurance annually, if at all possible, these additional charges can be eliminated. This is a large payment to make once per year. Most people considering bankruptcy or involved in one cannot afford such a lump sum payment. Even considering that fact, this is an extremely…

Have you decided that it is time to file? Before moving forward, take our Udemy class - Going from Bankruptcy to 800 Credit Score, It Can Be Done - first 10 free expires 4/22/21 Find a bank with no service charges and a rewards program Does your bank charge a fee for each check beyond a certain number per month? Do you have service charges for using your debit card as a credit card? Will your bank pay you on a quarterly basis for normal purchases? Work with your banker to decrease fees and increase rewards. If you are paying service fees to your bank this is money that could be used to purchase food or other necessities. This is also additional money that can be used to pay down…