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Americans are overwhelmingly rushing to financial industry experts for advice on credit reports, as they refinance their mortgages and consolidate debt for the Christmas shopping season.
Dallas, TX (PRWEB) October 27, 2004 — Americans are overwhelmingly rushing to financial industry experts for advice on credit reports, as they refinance their mortgages and consolidate debt for the Christmas shopping season. SPENDonLIFE.com, a savings portal for consumers, reports that 3 out of every 5 consumers seeking advice from the Ask The Expert service are having problems with their credit report.
Consumers are planning their finances in preparation for the Christmas shopping season. Many of them are finding errors on their credit report and realizing it is costing them money each month,” says Mark Henry, SPENDonLIFE.com President. Our experts are enthusiastic about getting these consumers back on track. They empower consumers by giving them the knowledge necessary to get out of debt, understand their credit, or buy a house.”
SPENDonLIFE.coms Ask The Expert program debuted in August 2004 and has quickly become the portals most popular feature. The Ask The Expert panel consists of industry experts in loans, credit reports, and debt management. The panel includes authors, lecturers, and coaches. The questions range across topics as diverse as rebuilding credit, lowering debt, and finding the best mortgage.
The response to Ask The Expert has been tremendous. People have pressing questions about their credit reports, home loans, and monthly bills. They dont know where to turn. Were here to help them get the right answers,” added Henry. We have realized that people seeking answers about home loans and debt have very specific questions. Our experts are doing an amazing job helping these consumers.”
SPENDonLIFE.com archives the Ask The Expert questions enabling other visitors to read and learn from similar situations. SPENDonLIFE.com offers a free service to help consumers lower their monthly bills. Consumers can save on loans, insurance, long distance, debt management, credit reports and more. The company has been a leader in helping consumers save money since 2001.
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Carlos Garcia/Media Director
469-916-1700 ext. 203
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2BR 2BA, Get Listing Alerts Email To A Friend Search All
Get Listing Alerts Email To A Friend Search All Listings Schedule A Showing School Reports Community Reports Mortgage Calculators end of line Dustin Kanz GRI e- pro & Dustin Kanz, GRI GREEN, CDPE 507-287-XXXX Email Us Paul Kanz ReMax of Rochester…
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So how are you getting on with your New Year’s resolutions? Yes that’s right, all those promises that you made to yourself back in January about doing more exercise, eating healthier food and cutting back on spending. We are now more than half-way through the year and for many, those good intentions are long forgotten and mentally-shelved, only likely to be temporarily dragged back to the front of the mind next January, which is a shame because resolutions can be a powerful way of changing our lives for the better.
Photo by Jean-Louis Zimmermann via Flickr
Effectively resolutions are goals, something that we want to achieve and by having goals in life we have something to focus our energies on. By setting realistic, but equally challenging goals and creating plans to achieve them, it is possible for us to proactively improve the way we live, whether the goal is to lose weight, move to a bigger home, go on a world-wide trip, start a family or whatever else we feel is most important.
I have a number of goals, many of which are financially related and tend to revolve around increasing my income, reducing my costs or saving up for a cool trip abroad. I also try to use the principles of SMART goal-setting.
For example one of my short-term goals this year is to visit New York (I live in England by the way), therefore my goal looks like this:
The financial plan for achieving this goal is simple. From January onwards, all I have had to do is put aside £100, so that by November I will have covered all my costs. I can also stagger the expenditure, buying the tickets first by the end of July, booking the accommodation by the end of September and having my spending money ready by November.
Another short-term goal I had at the start of the year was to increase my salary by 20%. I knew that in the current economic climate my employer would not support such a significant raise, so the alternative was to look for new positions in other businesses.
In short I went through the motions of distributing an updated CV to all the major job boards and began networking with a number of recruitment agencies. After a couple of interviews I finally landed a job working for a close competitor and managed to exceed my original goal.
All this resulted from making a decision to make a change and then pro-actively putting that change into place.
Setting goals and determining ways to achieve them is very similar to finding your way around with a map. Your destination is your goal and your route is your plan on how to get there, but all this is useless if you don’t know your current position.
The same applies with your finances; you can’t work out a plan for getting out of debt if you don’t know how much you earn, how much you owe and how much you have in savings.
The way to understand where you currently stand financially is to create a budget, which is the financial equivalent to GPS or a signpost. Your budget will tell you:
Only with this information in my budget was I able to be certain that I could afford to put aside an additional £100 a month for my New York trip.
In addition to determining the viability of your goal and how best to achieve it, your budget also enables you to keep track of progress.
Every month I update my budget to record how much money I have spent and how much I have saved in my account. I don’t bother recording every expenditure, but I know what my essential costs are (such as mortgage, electricity, water, etc.) and I know how much I allow myself for non-essential spending (such as going to the pub, buying clothes, etc.). So if I am exceeding those figures I can look in more detail and understand why.
My budget was also my key tool for getting myself out of the huge debts that I had accumulated a couple of years ago. My goal was to become debt-free (apart from my mortgage) and by listing out my monthly spending and earnings I was able to reduce or remove unnecessary expenses and focus that additional money on paying off my debts.
Knowing how much I owed and how much I could re-pay each month, I was able to work out how many months it would take to pay off the debt and then keep track of my repayment progress.
Although New Year’s is a natural time for resolutions, you don’t need to wait till next January to set your goals and the sooner you think of clear goals, the quicker you can begin achieving them.
Ideally your financial goals will be driven by what you want to do in life. So if you are hoping to buy a house, your financial goals will focus on saving up the deposit, paying off any major debts and possibly raising your income in order to afford the mortgage payments. It may take you a couple of years to achieve this goal, but at least if you know what you are aiming towards you can really focus your energies.
It also helps to categorize your goals into the long, medium and shorter-term’s:
Once you have decided on your goals, start making your plans for achieving them. In some cases you may need to seek advice from experts, such as financial advisers or from further reading of books and resources on the web, but don’t let that stop you from making and implementing your plans as soon as possible, as you can always refine them later on.
Source: How To Change Your Life By Setting Financial Goals from Moolanomy Personal Finance, written by John Suter.
Copyright © 2007-2010 Pinyo Bhulipongsanon. All rights reserved.
Source: Moolanomy Personal Finance
Birds of a feather flock together, but research shows that when it comes to approaching money, opposites attract. Spenders tend to pair up with savers, and vice versa. It’s no wonder, then, that money is one of the top sources of relationship conflict. Having different financial mindsets doesn’t have to be an issue. You simply need to communicate in order to play to the other person’s strengths. Next time you’re gazing at each other over candlelight (and maybe after a glass or two of wine), see what happens when you introduce a little money talk.
Photo by mrhayata via Flickr
As you become closer with your significant other, conversations about money should become a normal part of getting to know each other. This is about building trust and intimacy — not giving each other the third degree.
In broaching these topics, it’s important to understand that one person isn’t “right” while the other one is “wrong.” However, there are some red flags to indicate you and your main squeeze might be in dangerous fiscal territory.
Money is tied to our most basic sense of security, and any breach of financial trust can permanently damage the relationship. Better to be honest and deal with a conflict than to maintain secrets. Intimacy takes hard work, and for many couples, the money part of intimacy is the hardest. But if you nail that, then you two are — excuse the pun — money.
Source: How To Have The Money Conversation With Your Significant Other from Moolanomy Personal Finance, written by Amanda Clayman.
Copyright © 2007-2010 Pinyo Bhulipongsanon. All rights reserved.
Source: Moolanomy Personal Finance
It seems harder and harder to get loans and credit cards, as banks are enforcing more restrictive policies on credit products due to economic slowdown. Borrowers having excellent and very good credit scores may have not felt it as much as people with mediocre and poor credit may. As banks treat the latter as a high credit risk, they simply refuse to approve loan applications made by people with insufficient …
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Most of active auto loan seekers are people who have been turned down credit by a local car dealer, bank, or credit union. As many people are not aware that there are numerous places to get auto loans besides auto dealers and banks, they usually apply at the bank they have their accounts in or at the dealership where they found a car that they liked. There is no reason to get upset if you have been …
Source: Real Estate, Business and Personal Finance Articles
Saving money is not always an easy task, and reducing debt can sometimes seem impossible. But fear not! Not only is it possible, with these tips, reducing debt can be a simple, painless process. These small steps will add up quickly to help you reach your debt reduction goals in no time.
Photo by HappyHaggis via Flickr
This by far is the easiest way to reduce debt. Debt is like waves in the ocean. They just keep coming. We tread water, clean the sand out of our bathing suit, get ahead a little and then we get knocked right back to shore, buried in sand all over again.
If you cut your monthly expenses your debt will not compound so much. The waves won’t hit you so hard, day after day, week after week and month after month. Getting out of debt only to go back into debt makes very little sense. Try trimming your overages. Kill the premium channels on your cable subscription, renegotiate your cell phone plan, have one less $4 coffee drink, burn less gas, eat at home, etc.
Did you know that savings are returns? If you save 15% a week in expenses, your return was 15% — numbers don’t lie!
“I can’t afford to save, I am broke.”
“There’s not enough. Save what?”
We have all been guilty of saying these things. Stop saying them and get real! Put a measly 20 dollar bill away each week and in one year you will have $1,040 painlessly. Put $40 away and you will have $2,080. If you do nothing else, do this. It is so easy and should be automatic.
Would you prefer to contribute $400 at one time, or $20? Which do you think is easier?
This has been pounded into our heads thousands of times. So why don’t we listen? I don’t know, but as my dad always said to me “maybe this time you will listen”. Stay the course and no matter how small the move in the right direction. If you follow step one and step two above, step three should be automatic.
Focus on a single goal, living debt free. Make it your mantra. Practice debt free principles. Read about living debt free, become a student of debt free living.
Before you buy something, anything, ask yourself this one question; is this purchase moving me closer to my goal or further way?
If you stay positive and ask yourself this question without fail, you very well may be able to become debt free easier than you ever thought possible. Good luck and remember to enjoy the journey.
If you need more help there are literally hundreds, if not thousands of valuable and free resources to help you on your journey. Seek them out, live it, learn it, love it and become debt free.
Source: 4 Immediate and Simple Steps to Personal Debt Reduction from Moolanomy Personal Finance, written by Maria Rainier.
Copyright © 2007-2010 Pinyo Bhulipongsanon. All rights reserved.
Source: Moolanomy Personal Finance
Unsecured loans are highly sought after for a number of reasons. First, they provide a spending freedom, as lenders do not limit you as to where the loan proceeds may be spent. Second, they do not require any collateral, and are perfect for borrowers who do not own their home, or do not want to put their property at risk. Last, but no least, they offer generous amounts and convenient terms. If you …
Source: Real Estate, Business and Personal Finance Articles
