Debt Reducer Expert's BlogDebt Reducer Expert's BlogThis blog provides free information on credit and personal finance issues Articles
5 Easy Steps to Eliminate Debt
2008-02-21 01:44:00 Don't dwell on the financial mistakes you made last year. Hold your head up high even though you may be in debt. Think about how you can change your spending habits, eliminate debt and create a flexible spending plan for yourself. Here are 5 easy tips to eliminate debt on go on to lead a prosperous financial life: 1. Stop spending. Don't spend money you don't have. This will result in your owning more money. 2. Take inventory. Write a list of all of your monthly expenses and your monthly debts and write down you monthly income (take home). If you have any money left over use that to pay down your debts. If not, find other ways to reduce your expenses and gain extra money the money owed. 3. Reduce expenses. Find ways to reduce expenses. Catch public transportation or carpool to work. Use coupons or shop at wholesales stores. Have a yard sale or donate unused items to charity and write the amount off on your taxes. 4. Stop Credit Card Usage. Use your credit card for e... More About: Debt , Easy , Steps
5 Easy Steps to Eliminate Debt
2008-02-21 01:44:00 Don't dwell on the financial mistakes you made last year. Hold your head up high even though you may be in debt. Think about how you can change your spending habits, eliminate debt and create a flexible spending plan for yourself. Here are 5 easy tips to eliminate debt on go on to lead a prosperous financial life: 1. Stop spending. Don't spend money you don't have. This will result in your owning more money. 2. Take inventory. Write a list of all of your monthly expenses and your monthly debts and write down you monthly income (take home). If you have any money left over use that to pay down your debts. If not, find other ways to reduce your expenses and gain extra money the money owed. 3. Reduce expenses. Find ways to reduce expenses. Catch public transportation or carpool to work. Use coupons or shop at wholesales stores. Have a yard sale or donate unused items to charity and write the amount off on your taxes. 4. Stop Credit Card Usage. Use your credit card for e... More About: Debt , Easy , Steps
Does This Describe You?
2008-02-03 23:24:00 Does this article describe you, if so, it's time to scale back.http://www.washingtonpost.com/wp-dyn /content/article/2008/02/01/AR20080201039 34.html?hpid=topnews1. Create a flexible spending plan.2. Reconcile receipts with monthly statements.3. Identify at least financial goals (short-term and long-term).4. Identify needs vs. wants and see what areas you can reduce expenses.
Does This Describe You?
2008-02-03 23:24:00 Does this article describe you, if so, it's time to scale back.http://www.washingtonpost.com/wp-dyn /content/article/2008/02/01/AR20080201039 34.html?hpid=topnews1. Create a flexible spending plan.2. Reconcile receipts with monthly statements.3. Identify at least financial goals (short-term and long-term).4. Identify needs vs. wants and see what areas you can reduce expenses.Harrine Freeman CEO, H.E. Freeman Enterprises Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free www.hefreemanenterprises.com
2008 Tax Refund Dates
2008-01-31 04:18:00 Here is a list of IRS tax refund delivery dates.Transmitted and IRSaccepted between IRS Direct Deposit Sent Paper Check Sent01/11/2008 - 01/17/2008 (11am) 01/25/2008 02/01/200801/17/2008 - 01/24/2008 (11am) 02/01/2008 02/08/200801/24/2008 - 01/31/2008 (11am) 02/08/2008 02/15/200801/31/2008 - 02/07/2008 (11am) 02/15/2008 02/22/200802/07/2008 - 02/14/2008 (11am) 02/22/2008 02/29/200802/14/2008 - 02/21/2008 (11am) 02/29/2008 03/07/200802/21/2008 - 02/28/2008 (11am) 03/07/2008 03/14/200802/28/2008 - 03/06/2008 (11am) 03/14/2008 03/21/200803/06/2008 - 03/13/2008 (11am) 03/21/2008 03/28/200803/13/2008 - 03/20/2008 (11am) 03/28/2008 04/04/200803/20/2008 - 03/27/2008 (11am) 04/04/2008 04/11/200803/27/2008 - 04/03/... More About: Dates
2008 Tax Refund Dates
2008-01-31 04:18:00 Here is a list of IRS tax refund delivery dates.Transmitted and IRSaccepted between IRS Direct Deposit Sent Paper Check Sent01/11/2008 - 01/17/2008 (11am) 01/25/2008 02/01/200801/17/2008 - 01/24/2008 (11am) 02/01/2008 02/08/200801/24/2008 - 01/31/2008 (11am) 02/08/2008 02/15/200801/31/2008 - 02/07/2008 (11am) 02/15/2008 02/22/200802/07/2008 - 02/14/2008 (11am) 02/22/2008 02/29/200802/14/2008 - 02/21/2008 (11am) 02/29/2008 03/07/200802/21/2008 - 02/28/2008 (11am) 03/07/2008 03/14/200802/28/2008 - 03/06/2008 (11am) 03/14/2008 03/21/200803/06/2008 - 03/13/2008 (11am) 03/21/2008 03/28/200803/13/2008 - 03/20/2008 (11am) 03/28/2008 04/04/200803/20/2008 - 03/27/2008 (11am) 04/04/2008 04/11/200803/27/2008 - 04/03/... More About: Dates
What to do With Your Extra IRS Tax Rebate
2008-01-31 03:14:00 Approximately 117 million Americans will receive a tax rebate of $600 for individuals and up to $1200 for couples plus an additional $300 for each child. To qualify for the rebate you must have paid federal taxes in 2007 and have a valid social security number. For individuals making over $75,000 and couples making over $150,000 the rebate will be reduced. If you owe back taxes the amount owed will be deducted from the rebate check. Americans who didn't earn enough to pay income tax but had an earned income of at least $3,000 would receive $300 for individuals and $600 for couples. Checks would be received 60 days after the legislation is finalized. The government is hoping the checks with encourage Americans to spend their money to help jumpstart the economy. Unfortunately so many Americans are living paycheck to paycheck and are struggling to make end meets that for some the tax rebate check will not change their current financial situation. The focus of Americans is not let ... More About: Extra , Rebate
What to do With Your Extra IRS Tax Rebate
2008-01-31 03:14:00 Approximately 117 million Americans will receive a tax rebate of $600 for individuals and up to $1200 for couples plus an additional $300 for each child. To qualify for the rebate you must have paid federal taxes in 2007 and have a valid social security number. For individuals making over $75,000 and couples making over $150,000 the rebate will be reduced. If you owe back taxes the amount owed will be deducted from the rebate check. Americans who didn't earn enough to pay income tax but had an earned income of at least $3,000 would receive $300 for individuals and $600 for couples. Checks would be received 60 days after the legislation is finalized. The government is hoping the checks with encourage Americans to spend their money to help jumpstart the economy. Unfortunately so many Americans are living paycheck to paycheck and are struggling to make end meets that for some the tax rebate check will not change their current financial situation. The focus of Americans is not let ... More About: Extra , Rebate
15 Tips to Help File Your Tax Return
2008-01-31 03:09:00 http://articles.moneycentral.msn.com/Taxe s/PreparationTips /DoItRightYour15pointTax Checklist.aspxHarrine Freeman CEO, H.E. Freeman Enterprises Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free www.hefreemanenterprises.com More About: File , Return
15 Tips to Help File Your Tax Return
2008-01-31 03:09:00 http://articles.moneycentral.msn.com/Taxe s/PreparationTips /DoItRightYour15pointTax Checklist.aspx More About: File , Return
A Spending Plan - Your Key to Making It in 2008
2008-01-16 18:48:00 Many times when someone mentions a spending plan or budget people get nervous and run and hide. A spending plan is an essential component is getting out of debt and achieving many financial goals such as: start a savings account, paying for your children's college education, planning for retirement, planning for a family vacation, starting a business and more. Many economic experts state that we are in or almost in a recession. It is more important now in 2008 than ever to properly manage your finances and ensure you have an emergency fund to make it through these tough times.A spending plan is simply a recording or documented list of all of your monthly expenses and monthly income. Once you record all of your spending for the month you can readily see what areas need to be addressed. A good guide for monitoring your monthly spending plan is as follows:1. 35% of your monthly net income should be spent on housing (includes bills)2. 10% of your monthly net income should go towards ... More About: Spending , Plan
A Spending Plan - Your Key to Making It in 2008
2008-01-16 18:48:00 Many times when someone mentions a spending plan or budget people get nervous and run and hide. A spending plan is an essential component is getting out of debt and achieving many financial goals such as: start a savings account, paying for your children's college education, planning for retirement, planning for a family vacation, starting a business and more. Many economic experts state that we are in or almost in a recession. It is more important now in 2008 than ever to properly manage your finances and ensure you have an emergency fund to make it through these tough times.A spending plan is simply a recording or documented list of all of your monthly expenses and monthly income. Once you record all of your spending for the month you can readily see what areas need to be addressed. A good guide for monitoring your monthly spending plan is as follows:1. 35% of your monthly net income should be spent on housing (includes bills)2. 10% of your monthly net income should go towards ... More About: Spending , Plan
8 New Year's Commitments for 2008
2008-01-01 02:12:00 Here are 8 New Year's Commitments that will improve your financial life, reduce stress, end fights regarding finances, and bring peace to your life.1. Save Money - Create an emergency fund with enough to cover at least 3-6 months worth of bills. This will prevent you from getting into debt. For long-term goals create a savings account with a high interest rate and make plans to save for retirement.2. Further Your Education - Take training classes or get a college degree to increase your skills set and salary. Plan to take at least one training course every year during your career to stay current with industry standards and technology advances.3. Get Out of Debt ? Get current on any late payments. Negotiate with creditors to setup payment plans and pay off debts older than 6 months. This will increase your credit score.4. Get Your Financial House in Order ? Organize financial papers and store in a centralized secure location. Backup financial documents and records saved on your ... More About: 2008
8 New Year's Commitments for 2008
2008-01-01 02:12:00 Here are 8 New Year's Commitments that will improve your financial life, reduce stress, end fights regarding finances, and bring peace to your life.1. Save Money - Create an emergency fund with enough to cover at least 3-6 months worth of bills. This will prevent you from getting into debt. For long-term goals create a savings account with a high interest rate and make plans to save for retirement.2. Further Your Education - Take training classes or get a college degree to increase your skills set and salary. Plan to take at least one training course every year during your career to stay current with industry standards and technology advances.3. Get Out of Debt ? Get current on any late payments. Negotiate with creditors to setup payment plans and pay off debts older than 6 months. This will increase your credit score.4. Get Your Financial House in Order ? Organize financial papers and store in a centralized secure location. Backup financial documents and records saved on your pers... More About: 2008
Tax Tips for 2007
2007-12-20 00:01:00 There are hundreds of tips that can save you money when filing your taxes. Here are 9 ways to save your money during the 2007 tax season.Read the tax booklet that corresponds with your tax forms to make sure you are not overlooking any tax credits that you are eligible for.Don't get a rapid refund or loan. These usually have high interest rates and may not be faster than if you just filed electronically. If you owe don't file late, if you think you will need an extension request it now. You will save yourself headaches and money.There are several free tax software available that you can use if you have access to a computer.If you cannot afford to hire a tax preparer search for free tax filing services in your area, start with your local library or government tax authority.Be aware of new tax tables for Federal and State for 2007.If you have defaulted on your student loan and you are expecting a refund, chances are your tax refund will be taken to pay for your overdue student loans... More About: Tips
Tax Tips for 2007
2007-12-20 00:01:00 There are hundreds of tips that can save you money when filing your taxes. Here are 9 ways to save your money during the 2007 tax season.Read the tax booklet that corresponds with your tax forms to make sure you are not overlooking any tax credits that you are eligible for.Don't get a rapid refund or loan. These usually have high interest rates and may not be faster than if you just filed electronically. If you owe don't file late, if you think you will need an extension request it now. You will save yourself headaches and money.There are several free tax software available that you can use if you have access to a computer.If you cannot afford to hire a tax preparer search for free tax filing services in your area, start with your local library or government tax authority.Be aware of new tax tables for Federal and State for 2007.If you have defaulted on your student loan and you are expecting a refund, chances are your tax refund will be taken to pay for your overdue student loan... More About: Tips
10 Tips to Protect Your Identity During the Holiday Season
2007-12-19 23:45:00 According to the 2006 Federal Trade Commission Identity Theft Survey Report, in 2005 8.3. million Americans were victims of some form of identity theft. According to the U.S. Federal Trade Commission, it takes 12 months, on average, for a victim of identity theft to notice the crime. In 2006, 10 million Americans were victims of identity theft. Here are 11 tips to protect your identity during the holiday season. Don?t carry your SSN or other personal papers in your wallet or purseLeave mail and other personal papers at home and store in a safe placeCheck your mailbox regularly, hold mail during vacationsShred personal information and mix in with other trashDon?t use an ATM in a secluded areaCarry only the credit cards you know you will use Shop online at secure websites, https or shttpCreate PINs that cannot easily be guessedVerify all monthly statements with your receiptsOrder your credit report at least once a year and verify all informationBeware of camera phonesHarrine Freeman C... More About: Holiday , Tips , Season , The Holiday
10 Tips to Protect Your Identity During the Holiday Season
2007-12-19 23:45:00 According to the 2006 Federal Trade Commission Identity Theft Survey Report, in 2005 8.3. million Americans were victims of some form of identity theft. According to the U.S. Federal Trade Commission, it takes 12 months, on average, for a victim of identity theft to notice the crime. In 2006, 10 million Americans were victims of identity theft. Here are 11 tips to protect your identity during the holiday season.Don?t carry your SSN or other personal papers in your wallet or purseLeave mail and other personal papers at home and store in a safe placeCheck your mailbox regularly, hold mail during vacationsShred personal information and mix in with other trashDon?t use an ATM in a secluded areaCarry only the credit cards you know you will use Shop online at secure websites, https or shttpCreate PINs that cannot easily be guessedVerify all monthly statements with your receiptsOrder your credit report at least once a year and verify all informationBeware of camera phonesCopyright © 2007 H... More About: Holiday , Tips , Season , The Holiday
6 Options If You Are Facing Foreclosure
2007-12-05 01:46:00 Put away those credit cards and stop charging if you are facing foreclosure. Put yourself on a budget quickly and continue to monitor your finances until your other debts are paid off so you do not get into the same situation in the future. Whatever decision you make get it in writing from your lender. Consult a tax advisor to determine rules regarding foreclosure. Ask the lender if the foreclosure option chosen will be reported on your credit report. Here are 6 options to take if you are facing foreclosure. 1. Special Forbearance. When a lender arranges a repayment plan based on your current financial situation or and may provide a temporary reduction or suspension of your mortgage payments. You may qualify for this if you've recently experienced an involuntary reduction in income or an increase in living expenses.2. Mortgage Modification. You may be able to refinance the debt and extend the term of your mortgage loan for the missed payments. This will help you catch up by poss... More About: Foreclosure , Options , Facing
6 Options If You Are Facing Foreclosure
2007-12-05 01:46:00 Put away those credit cards and stop charging if you are facing foreclosure. Put yourself on a budget quickly and continue to monitor your finances until your other debts are paid off so you do not get into the same situation in the future. Whatever decision you make get it in writing from your lender. Consult a tax advisor to determine rules regarding foreclosure. Ask the lender if the foreclosure option chosen will be reported on your credit report. Here are 6 options to take if you are facing foreclosure. 1. Special Forbearance. When a lender arranges a repayment plan based on your current financial situation or and may provide a temporary reduction or suspension of your mortgage payments. You may qualify for this if you've recently experienced an involuntary reduction in income or an increase in living expenses.2. Mortgage Modification. You may be able to refinance the debt and extend the term of your mortgage loan for the missed payments. This will help you catch up by poss... More About: Foreclosure , Options , Facing
11 Tips to Cut Holiday Shopping Costs
2007-10-27 15:08:00 Most Americans accumulate the greatest amount of debt during the December holiday season. The holidays should be filled with joy and laughter not anxiety, pressure or guilty about spending money during the holidays. If you don't have the money to buy gifts be honest and tell the persons who are expecting gifts just that. If you have a small amount of buy to buy gifts buy what you can and don't use your credit card to buy gifts unless you have the money to pay the debt off in two or three months. Here are 11 tips to help you save money during holiday shopping.Don't buy gifts on Christmas eve or the day before Christmas eve. Selection is limited and lines at the register are longer.Buy Christmas or holidays gifts during store sales in October or November.Spend less money on gifts this year than you did the previous year. Visit local vendors, you can probably negotiate a good deal on the same items you will find in the department store. Think of creative gifts to give that you can m... More About: Shopping , Holiday , Tips , Costs
11 Tips to Cut Holiday Shopping Costs
2007-10-27 15:08:00 Most Americans accumulate the greatest amount of debt during the December holiday season. The holidays should be filled with joy and laughter not anxiety, pressure or guilty about spending money during the holidays. If you don't have the money to buy gifts be honest and tell the persons who are expecting gifts just that. If you have a small amount of buy to buy gifts buy what you can and don't use your credit card to buy gifts unless you have the money to pay the debt off in two or three months. Here are 11 tips to help you save money during holiday shopping.Don't buy gifts on Christmas eve or the day before Christmas eve. Selection is limited and lines at the register are longer.Buy Christmas or holidays gifts during store sales in October or November.Spend less money on gifts this year than you did the previous year. Visit local vendors, you can probably negotiate a good deal on the same items you will find in the department store. Think of creative gifts to give that you can m... More About: Shopping , Holiday , Tips , Costs
Instant Grati Syndrome
2007-10-20 04:19:00 As a baby when you cried your mother or father came running to take care of you. As a toddler when you cried your parents hugged or talked to you until you stopped. As a teenager when you wanted something you talked really nice and sweet to your parents to get it. Throughout your life you may have received gratification instantly so as an adult it is only natural for you to believe that you should continue to receive this treatment. Unfortunately, this attitude affects every aspect of your life even your spending habits. It can be difficult to resist the temptation of the instant gratification culture of America which I call the "instant grati factor". Advertisers make consumers believe everything can be obtained instantly by creating instant cereal, instant coffee, instant meals, instant messaging, instant credit card approval and online shopping. I have labeled this behavior as the "instant gratification syndrome" or "instant grati syndrome". To determine if you are a victi... More About: Syndrome
Instant Grati Syndrome
2007-10-20 04:19:00 As a baby when you cried your mother or father came running to take care of you. As a toddler when you cried your parents hugged or talked to you until you stopped. As a teenager when you wanted something you talked really nice and sweet to your parents to get it. Throughout your life you may have received gratification instantly so as an adult it is only natural for you to believe that you should continue to receive this treatment. Unfortunately, this attitude affects every aspect of your life even your spending habits. It can be difficult to resist the temptation of the instant gratification culture of America which I call the "instant grati factor". Advertisers make consumers believe everything can be obtained instantly by creating instant cereal, instant coffee, instant meals, instant messaging, instant credit card approval and online shopping. I have labeled this behavior as the "instant gratification syndrome" or "instant grati syndrome". To determine if you are a victi... More About: Syndrome
Home Buying Seminar in Upper Marlboro MD 10/13/07
2007-09-30 20:16:00 Home Buying Seminar October 13, 2007 - 10:00 am to 2:00 PM16201 Tradezone Avenue, Suite 101 Upper Marlboro , MD 20774Contact: Donnal Whitaker 240-354-9778www.donnalwhitaker.comdwhitak er@exitpowerhouse.comLunch IncludedFree Appraisals$50 Off Home InspectionsRaffle for $100 Home Depot Gift Card More About: Home
Home Buying Seminar in Upper Marlboro MD 10/13/07
2007-09-30 20:16:00 Home Buying Seminar October 13, 2007 - 10:00 am to 2:00 PM16201 Tradezone Avenue, Suite 101 Upper Marlboro , MD 20774Contact: Donnal Whitaker 240-354-9778www.donnalwhitaker.comdwhitak er@exitpowerhouse.comLunch IncludedFree Appraisals$50 Off Home InspectionsRaffle for $100 Home Depot Gift CardHarrine Freeman CEO, H.E. Freeman Enterprises Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free www.hefreemanenterprises.com More About: Home , Mina
6 Tips to Estimate Your Credit Score
2007-09-26 16:26:00 Having a credit card is a great responsibility. Some of us use our credit wisely and some of us use credit unwisely. Credit is one the most important aspects of your financial future. You could have a sizeable savings account but have bad credit and may still get denied for a loan or credit card. At the other end of the spectrum, you could have no savings account and good credit and get approved for several loans or credit cards.Here are 6 tips to help ensure you know your credit picture when applying for a loan or credit card.1. Do you how many accounts you have the are currently late, i.e. 30, 60, 90 days or more?2. Do you have any accounts have that were previously late, i.e. one or two years ago?3. Do you have any open or closed accounts there were collection accounts, repossessions, judgments, or bankruptcies?4. How many loans or credit card accounts you have opened in the past two years?5. How many revolving and installment loans you have?6. How many open credit card accounts ... More About: Tips , Score
6 Tips to Estimate Your Credit Score
2007-09-26 16:26:00 Having a credit card is a great responsibility. Some of us use our credit wisely and some of us use credit unwisely. Credit is one the most important aspects of your financial future. You could have a sizeable savings account but have bad credit and may still get denied for a loan or credit card. At the other end of the spectrum, you could have no savings account and good credit and get approved for several loans or credit cards.Here are 6 tips to help ensure you know your credit picture when applying for a loan or credit card.1. Do you how many accounts you have the are currently late, i.e. 30, 60, 90 days or more?2. Do you have any accounts have that were previously late, i.e. one or two years ago?3. Do you have any open or closed accounts there were collection accounts, repossessions, judgments, or bankruptcies?4. How many loans or credit card accounts you have opened in the past two years?5. How many revolving and installment loans you have?6. How many open credit card accounts ... More About: Tips , Score
Being In Debt
2007-08-24 02:05:00 When we are in debt we are powerless. Creditors have the power. They have the power to:Close our accountsSend us threatening lettersHarass us on the phoneSearch our neighborhood to find people who have our contact informationGarnish our checksTake us to courtRuin our creditIncrease our interest rateCharge us outrageous late fees, over-the-limit fees and annual fees When we are in debt and have bad credit we are at the mercy of the creditors and have to agree to their terms. We beg and plead and silently say "don't close my account", I still need to go shopping for things you can't afford. Don't take me to court, I know I don't have the money but I am trying to keep up with everyone else and look like I have money when I am really living paycheck to paycheck or am almost bankrupt. We have to learn that everything has a price. What's your price? A nice pair of shoes, a Coach purse, a Hummer, a nice house in Bowie or Fairfax, designer clothes?What are you willing to pay for those... More About: Debt
Being In Debt
More articles from this author:2007-08-24 02:05:00 When we are in debt we are powerless. Creditors have the power. They have the power to:Close our accountsSend us threatening lettersHarass us on the phoneSearch our neighborhood to find people who have our contact informationGarnish our checksTake us to courtRuin our creditIncrease our interest rateCharge us outrageous late fees, over-the-limit fees and annual fees When we are in debt and have bad credit we are at the mercy of the creditors and have to agree to their terms. We beg and plead and silently say "don't close my account", I still need to go shopping for things you can't afford. Don't take me to court, I know I don't have the money but I am trying to keep up with everyone else and look like I have money when I am really living paycheck to paycheck or am almost bankrupt. We have to learn that everything has a price. What's your price? A nice pair of shoes, a Coach purse, a Hummer, a nice house in Bowie or Fairfax, designer clothes?What are you willing to pay for those... More About: Debt 1, 2, 3, 4 |
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