FP | December 15, 2010
It’s December, the busiest season of the year. Lots of shopping, cookies to bake, parties to plan for and to attend. For many though, pesky debt responsibilities can dampen their planning and holiday enjoyment. Some might not worry about their debts, thinking they can always get their financial house in order after the holiday. If [...]
FP | August 25, 2010
I often find my clients paying the minimum on their credit card balances. Some of these people are in a situation where they can not afford to pay more, but some would be able to pay the full balance, but they choose not to because they don’t really understand how accumulated debt works. Why is [...]
FP | December 9, 2009
The holiday shopping season has been in full swing for several weeks, and everywhere, consumers are struggling with how to avoid impulse buys and avoid adding to their debt load. Every year you hear over and over again the how to: stay on a budget, keep a list, check the list again, and sleep on [...]
FP | March 22, 2009
The first step after you admitted that you have a problem is that you want to get out of debt. I found that many people don’t really want to take the sacrifices and discipline to really get out of debt. 1. Keep track of all expenditures. Take a good look at your expenses over the [...]
FP | March 16, 2009
Before I go into more details about what’s the difference between debt consolidation and debt elimination I would like to get to the core of the problem. Some facts about debt: The debt-to-income ratio in the second quarter of 2008 continued to climb, reaching 130.9%. Now this is dumb! But what does this mean? For [...]
FP | March 15, 2009
The Only Way to Get Out of Debt: The answer is not the interest rate BUT changing your habits. You need to commit to getting on a written game plan and sticking to it. Get an extra job and start paying off the debt. Live on less than you make. It is not rocket science, [...]
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