Year: 2018

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…

Have you recently lost your job and need to do something that will produce some income? Do you have plenty of experience and knowledge that you can draw upon to produce the desired salary? You may already be associated with a core group of people who will become your initial customers. What type of business should I start? This is the easiest decision if you have years of experience in a job. You can harness that experience and be your own boss with a bit of effort and commitment. Experience in corporate advertising could result in your own advertising firm. With years of computer support and training you could start a computer consulting business. First steps: You should contact your city or county and state where your business will be…

In a pandemic situation, as is the case during the memorable years of 2020-21, you need to find ways to cut back on expenditures. If you were fortunate enough to remain in employment and/or working from home, it is a good idea to save money while planning for potential speed bumps down the road. If your pandemic situation resulted in job loss or cutback, immediate budget adjustments and planning is necessary. Follow these steps and come up with your own to survive this worldwide crisis. We will see the other side of this! The biggest tip for budgeting your money to last through the month is to save on your grocery bill. There are many ways to accomplish this. We use coupons whenever possible. A few excellent sources for this…

Are you ready to begin some hands-on development? Take our Udemy class entitled Complete Applications Using C#, VB.Net, Java, VBA, LO Basic, first 10 free expires 4/22/21 I have been working with computers for well over 25 years and have programmed since DBase 3. These tips come from those many experiences. The belief is that you are a current student or have newly graduated from school. Get an education - This is the most important tip that you can get from anyone if you are in a high-tech career. On this point I speak from experience with a 20 year span between an AS degree in programming and a BS in business. That span included periods of un- and under-employment and extended lengths of time between interviews. Immediately after getting…