1. Don’t get caught up in what you’ve been denied

When you’re in school and you’re living on Ramen noodles made from a coffee pot (you didn’t do that? Then you were better off than me…) and meager wages from a part-time job, it’s easy to get caught up in the mindset of “I deserve this!” once you start making money. This leads to fancy new cars, swanky living situations, and other luxuries that you weren’t previously able to afford. However before you start throwing money at expensive items you couldn’t buy before, take a step back and realize that the key to a sound financial future is being smart now. Focus on saving money and scaling back on debt before you rush out to buy that expensive new car.

2. Repaying debt from school

The sheer magnitude of the debt acquired to go through school can be overwhelming and it seems like the smart thing to do would be to pay it off as quickly as possible. However before you jump into paying off debt you need to take a look at the interest rates on your debt – if you have a low interest rate then you can pay back the debt over a longer period of time and focus on investing elsewhere, whereas if the interest rate is on the high end it would make more sense to focus on paying off the debt before worrying about other investments.

3. Break it down into 1/3’s

When you do start making a more substantial income try to break those paychecks down into 1/3’s… Save 1/3 of it, spend 1/3 of it, and use 1/3 of it to pay off debt. This way you’re covering several bases at once. It can be hard to put money into a savings account each month, so one thing that helped me was adopting the mindset that depositing money into savings was just another bill I had to pay. By thinking of it that way I’ve gotten into the habit of transferring money over to savings each month without even thinking about it.

4. Plan ahead

You need a clear idea of how you want to allocate your finances so that you can best decide how to save and invest. Do you want to have enough money saved to pay for your kids’ colleges up front? Do you want to retire at a certain age? Do you want to achieve a certain amount of money in savings? Specifically defining your goals will help you figure out the best way to work towards them.

5. Give yourself a limit

Each month allocate certain amounts of money towards different categories. By giving yourself limits on what you can spend you’re less likely to go overboard. Designate a certain amount for groceries, gas, bills, savings, and fun so that you cover all the inevitable costs but you also are able to spend money on yourself. This way you won’t feel deprived and end up going on a spending spree. Taking the time to identify your financial goals is important for everyone – whether you’re bringing in a substantial income or not. Starting out with your financial goals when your career is also starting out will help you gain financial independence and security much quicker than waiting until you’re already bringing in a steady income.

This is a guest post from Laura Backes, she enjoys writing about all kinds of subjects and also topics related to internet service in my area. You can reach her at: laurabackes8 @ gmail.com. ]]> Money Saving Tips http://www.debt-tips.com/blog/index.php?itemid=204 Sun, 29 Jan 2012 19:51:41 -0600 http://www.debt-tips.com/blog/index.php?itemid=201 This is the sixth article of the A-B-C's of credit and debt. Today is F for Free advice.

If you can get something for free, you should do it, right?

Well that all depends. Free beer - that sounds great! But a free puppy - well, that could be lots of fun. And it could be LOTS of work and cost you lots of money! It all depends on which one you end up with more of - fun or work. So, free isn't always great. And free isn't always free.

When it comes to financial advice, there's free ADVICE. And then there's FREE advice. Big difference!

There's been a lot of talk recently about the pre-paid debit card from financial celebrity Suze Orman. That's what got me thinking about this entire free advice thing. Let me say for the record that I'm not opposed to any of these financial "experts" you see on TV. They all have their areas of expertise. And I'm sure most of what they say is good, honest advice.

But I'm just a bit skeptical when they try to be everything to everybody. If I have car trouble, I bring it to my mechanic. But if I get into an accident, I bring it to the body shop. They both know about cars. So why doesn't my mechanic do body work? And why doesn't the body shop do brakes and oil changes?

Because they each provide service on the type of work they do best.

Again, free financial advice can be great - but only if it is good advice for you and your situation. Uncle Joe might be a great guy. And he might know a lot about making money or saving money. But just because something worked for him doesn't mean it will work for you!

When is free financial advice good financial advice?

Let me give you a few examples to make my point a little more clear:

Suze Orman and the other TV "experts"

• Suze Orman is a financial planner by trade. She helps people who already have money to find ways to make more money. Great profession. And she is probably very good at what she does. So if you have money you need to invest, or learn about estate planning, tax shelters, and things like that, talk with a financial planner.
  
• But helping rich people get richer is a lot different than helping people struggling to get out of debt. Both rich people and struggling people need help with money. But these are 2 entirely different situations. With 2 entirely different solutions. Just because someone is trained on building wealth, investing with mutual funds, and protecting your wealth from Uncle Sam does NOT mean they know about the best ways to pay off debt, avoid bankruptcy, and fix your credit problems. Her advice is free. But is it the best advice for someone with debt and credit problems? Not always.

• Writers are typically good at taking a bunch of facts, quotes, and news items and making them into a good story. Their talent is to make the story interesting enough for the average person to read and enjoy.
  
• But writers are typically not experts in the field they write about. They may shave some experience. Or they may just be interested in the topic. Or it might just be their job. Or they might be like the TV experts from the point above. So, just like cooking isn't simply about taking a list of ingredients and throwing them together, neither is taking a bunch of facts and quotes and making them into expert advice. Not that the writers are useless. But their writing can't always be taken literally as "advice" especially when it comes to finance.

• Online message boards are a great way to get information on a particular strategy or company, from someone who used that strategy or company. If you want to know about Company X, reading what other people have to say about them can be helpful.
  
• Just keep in mind that one person's experience does not always translate into every person's experience. So while Susan from Dallas might have had a bad experience, realize you are not necessarily getting the entire story. Her goals, her situation, and her understanding of the company or service might be quite different from yours. Ands her expectations might be entirely different, too (with debt relief, expectations are often quite different!) So there is nothing wrong with gathering information, but don't make your decision based on one bad comment.

• Ads are a great way to learn about different products, services, and companies that can potentially help us solve a financial problem. You've probably seen many different types of debt problems - personal debt, business debt, tax debt - and many different types of solutions - debt consolidation, debt settlement, bankruptcy. So advertising can be informative.
  
• But ads can also be misleading. Even if a company is completely "above board" the ad probably won't give you all the details. And can leave you thinking "hey this is right for me" even if it is not. Sure, you can call the company. But unless they somehow can't make money from you, they're going to do what they can to sign you up.

Who do you turn to for money advice?

• A friend in the financial industry?
  
• Late night TV shows on money?
  
• Newspapers (online or print) like the Wall Street Journal or New York Times?
  
• Websites like MSM Money?
  
• Financial bloggers who have some real-world experience?
  
• Nobody - you learn for yourself?

When it comes to debt, it seems like EVERYONE has an opinion! Well, you know the old saying about opinions, right?

"Opinions are like a#$%^@#$, everyone has one..."

The problem is that most opinions probably have some basis in truth. Yet none of those opinions contain the EXACT advice you need to fix your particular money problems, or manage your money properly. Sure, some of them may be correct. But some may be lies. And some may contain "partial" truths just to get you to buy something. Others are the blabber from an expert who needs to say something, but comes without any real experience or knowledge.

So when you hear advice about getting out of debt and fixing your credit problems, BE CAREFUL! Don't believe everything you hear.

Here are some guidelines when getting advice on fixing your debt and credit problems:

DON'T believe everything you hear from "the experts".

Most of the financial experts you see on TV or read online are true financial experts - but usually in some type of financial field other than debt and credit. Sure, they know about some of the rules the debt relief companies must follow. And they know about general financial principles. But most of them have never been in debt. Or had credit problems. And there are lots of little tips that you just can't know about unless you've been through it. Here's an example - most of them will tell you that all credit problems will remain on your credit report for 7 years. Technically, this is true. But there are legitimate ways to get the bad credit fixed faster.

DON'T believe all the ads from the debt relief & credit repair companies.

Many debt relief companies advertise that they'll help you reduce your debt by 40-60%. But what they don't tell you is that it involves using debt settlement. Now, I used debt settlement so it is a legitimate option. But, it's not right for everyone. First, you need to be behind in your payments - or stop paying. Second, you need to have a lump sum to pay off your bill when the settlement is reached. In some cases, this works out for the better. But if you think that they can reduce EVERY debt by more than 40%, well, that's just wrong. And then there's the catchy tunes from the FreeCreditReport.com ads - which isn't really free, by the way. Here's my take on FreeCreditReport.com.

DON'T believe your cousin Joe or neighbor Susan.

I'm sure they are nice people. And they might have some good ideas. But first of all, they don't need to know anything about your finances. And second, chances are that they have enough of their own problems. And even of they did have some good advice, who knows if it would even fit YOUR needs or solve YOUR problems. Let them brag, let them complain, let them think they have all the answers. And then walk away and find your own solutions.

DON'T give out your personal info unless you check it out very carefully.

This one should be obvious. But sometimes it is tempting to just believe what people tell you. Sadly, this can get you into big trouble. Before you sign up with any financial company (and this goes for debt relief, credit repair, mortgage, investment, or anything that deals with your money, social security #, or your personal data) do some research first. Check their Better Business Bureau rating. Type their name into Google and see what other people are saying. Read the paperwork before signing it. Use your common sense...

Finally, DON'T forget that if it sounds too good to be true then it probably is!

There are no easy ways to being rich. There are no quick ways to making lots of money online. There are no shortcuts to getting out of debt. There are no secrets to fixing years worth of credit problems in 30 days. However, there are legitimate ways to achieving each of these - but most take a good amount of effort. So the next time you read or hear about something that sounds so much easier/faster/cheaper than you ever believed possible ... be careful!

Overcoming financial problems is not easy. But it is possible. If you use some common sense, if you are prepared to do some work, and if you come up with a plan and stick with it.

Thanks to Tom at Canadian Finance Carnival for including us in the latest blog carnival.
]]> ABC's of Debt & Credit http://www.debt-tips.com/blog/index.php?itemid=195 Mon, 19 Dec 2011 19:09:07 -0600 http://www.debt-tips.com/blog/index.php?itemid=192 Recently, renowned NYU professor and activist Andrew Ross encouraged students to sign a petition promising to default on their student loans in solidarity against rising student debt. Associated in part with Occupy Wall Street, Ross claimed that if enough students defaulted together, it could meet the protestors’ ostensible demands of across-the-board student debt relief, free education, and other such cosmic improbabilities. If Ross understood for just a second what would actually occur if any graduate forewent their legal contract to repay their loans, maybe he would think twice about encouraging others to destroy their financial futures. For those not in the know, there are quite a few consequences when you default on your student loans. You essentially run the risk of:

1. Losing your federal benefits

Although it is illegal for the government to take away your Supplemental Security Income, once you default on your student loans, it’s possible for Uncle Sam to take away a portion, up to 15% of your social security retirement and disability.

2. Losing your tax refund.

If you default on your student loans, you can kiss your tax refund check goodbye. After six months of non-repayment, which is the standard for considering your loans to be under default, the government can put a hold on your tax refund check until your loans are paid back in full or until you agree on a repayment plan.

3. Taking a cut from your paycheck.

Yes, the government can even start taking money out of your regular paycheck. Called “garnishing,” the Department of Education and the loan guarantee can take a certain amount of your paycheck, which can be up to a little over $200 dollars out of your weekly wages.

4. Having any professional licenses revoked.

If you are in a profession which requires a license, such as any of the various medical or legal professions, you could stand to have your license revoked. This may entail being fired from your job and not being able to practice your profession elsewhere.

5. Trashing your credit score.

This, of course, goes without saying. Although having a poor credit score is not the end of the world, and you can certainly work to raise it again, the going will be very tough. Having a poor credit score can destroy your chances of ever buying a house, securing more funds for education, or making other important purchases later down the line.

6. Being sued by the Department of Education.

You read that right. If you default on your loans, the government will go as far as to sue you to get their money back. The Department of Education can extract funds from back accounts, property, and other assets.

Of course, it’s unlikely that you’ll cavalierly join Ross’s call to default on your student loans. If you are defaulting out of necessity, however, there are different options that you should look into. Communication with your lenders is key, as they can adjust repayment plans to accommodate you. Whatever you do, don’t simply stop repaying without letting anyone know! It will come back to haunt you.

This is a guest post by Mariana Ashley, a freelance writer who particularly enjoys writing about online colleges. She loves receiving reader feedback, which can be directed to mariana.ashley031@gmail.com.

First of all, I've been doing affiliate marketing for nearly 10 years...and I've yet to "hit the big time" and be able to run my business full time. Sure, I've had some decent years. And I've had some bad ones (this one is closer to bad than decent). So hopefully this would give me that little extra push to get over the top.

Second, I'm not just some marketer pushing a bunch of junk. The sites I build are based on lessons I've learned, mostly the hard way. So I share those lessons, and the resources I've used, and in the process build a business around them. I'd love to be able to reach more people and help them get out of debt, buy their first house, or fix their back problems.

Third, I'm an eager student. For many years I sat alone and tried to build my business. Now, I'm focusing on building partnerships and learning from those who know what they are talking about (constantly buying the newest "get rich quick" program is definitely NOT the way to do this). So I would truly appreciate the opportunity to schmooze with the best affiliate marketers, and maybe even share a tip or two I've learned through the years.

Thanks for the opportunity, and good luck to whoever wins! ]]> Do It Yourself Tips http://www.debt-tips.com/blog/index.php?itemid=193 Thu, 15 Dec 2011 09:43:46 -0600 http://www.debt-tips.com/blog/index.php?itemid=191 Debt-tips.com is written primarily for readers in the U.S. For those readers who reside in the U.K. we are offering the following article on debt options in the U.K. Here are your debt relief options in the UK:

DMP (DEBT MANAGEMENT PLAN)

A debt management plan (DMP) in the UK helps individuals to manage their outstanding debts, when they are unable to maintain their payments to their creditors. A DMP consists of an agreement between you and your lenders to make a set monthly payment. The debt management plan firm, usually called ‘providers’, negotiate with your creditors and manage the payments on your behalf. Your monthly payment is based on your disposable income. Payments are then distributed between all your creditors by your ‘providers’.

When your DMP is being set up, your creditors could agree to freeze any interest charges. However, they don’t have to agree to this. And they don’t have to agree to your DMP all. If they don’t agree, they can also continue to contact you, ask for payment – or even take you to court and declare you bankrupt. DMP applies only for ‘unsecured debt’ such as credit cards or personal loans but do not cover ‘unsecured debt’ like a mortgage, for example. The debt management plan firm usually charges you a fee for their service, while other non-profit organizations like debt charities provide their services free of charge.

DEBT CONSOLIDATION

Debt consolidation gives the opportunity to cover all or part of your outstanding debts with a single loan. In debt consolidation you take a new loan to pay off several existing debts. Debt consolidation in the UK applies only for unsecured debt; it can be a good way of taking control over your finances.

Consolidation loans can be tax deductible, however in some cases you need to put your property as guaranteed - that means a risk of losing your home. Make sure you understand fully the interest rates and possible penalties when asking for debt consolidation.

INDIVIDUAL VOLUNTARY ARRANGEMENT (IVA)

In the United Kingdom an IVA is a formal agreement between you and your creditors to pay off your debts. With the help of an Insolvency Practitioner you will set up a proposal to your creditors and an agreement will be set upon. Your arrangement will last at least five years, at the end of which time your debt will be cleared and you will no longer be making any more payments for the unsecured debt included in your IVA application.

During an IVA You make regular payments to an authorized debt specialist called an ‘insolvency practitioner’ or (IP). They share this money out between your creditors as agreed in your IVA. There is no maximum or minimum level of debt and no maximum or minimum level of repayments, except what is acceptable to your creditors. Your IVA usually ends when the agreed amount has been repaid. Costs for an IVA are included within your monthly payment. The interesting side on an IVA is that all your remaining debt will be written off at the five year mark.

BANKRUPTCY

Bankruptcy in the UK applies only for individual persons and not business entities. Bankruptcy is considered the last resort if you cannot pay your creditors. When you label yourself bankrupt you tell to your creditors that you are unable to pay your debt. Either you or a creditor can make the bankruptcy order. Once the petition is filed there are fees that have to be paid to the courts. You will be assigned a Petitioner who will gather all the information needed such as your assets and income, a list of Creditors and how much you owe each one. You make all of your payments to your Petitioner not to the creditor.

In a bankruptcy all your assets like properties could be sold to pay back your creditors. Going bankrupt is not free; Court fees are involved in the process. Your credit score will be severely damaged by this solution.

This is a guest post from iva123.co.uk which offers easy to understand information and opinions on an IVA.]]> Debt Reduction Tips http://www.debt-tips.com/blog/index.php?itemid=191 Tue, 13 Dec 2011 19:51:50 -0600 http://www.debt-tips.com/blog/index.php?itemid=190 This is the third article of the A-B-C's of credit and debt. Today is C for Credit.

Have you heard one of those FreeCreditReport.com TV commercials? You know, the ones with that catchy tune played by those guys in costumes? Heck, nearly every night while watching TV we hear that song. In fact, the other night my daughter started singing along, and it will be at least 4 years before she even thinks about getting a credit card (longer if I can help it!)

So I guess the average consumer probably falls for that catchy tune. Giving away something for "free" is always good for business and it probably works like a charm in this case. Here's an article on how the "free credit report" ads really work.

But what most people don't realize is that free doesn't always mean free, especially when it comes to your report.

In the last few months I've seen a huge increase in the number of articles on credit scores - not credit reports, but the score that goes along with it. The problem is that people are now starting to focus on their credit scores. Not that being an educated consumer is a bad thing. But focusing on your credit score is like focusing on the scale when trying to lose weight - it's nice to see your weight going down, but the scale only shows you what your weight is. It doesn't help you lose it!

If all you do is just keep looking at the scale, your weight won't change (in fact, if that's all you do it might actually go up!)

Same with credit scores - it shows you where you stand, but if all you focus on is your score, it won't help your credit get better!

At least with a scale you know what the number means. If you gain weight the number goes up, if you lose weight it goes down. But when it comes to credit scores, most people don't know the difference between 500 and 600 and 700 and 800. So focusing on your score is pretty much a waste of time.

So, why are people focusing more on credit scores instead of their credit report?

Because Americans like numbers. And they like funny, creative TV ads. They want their news fast. They want their food fast. They want losing weight to be easy. And they want fixing their credit to be easy. Looking at a number is easy, anyone can do that.

But looking at the number won't help your credit. Especially if you don't know what the number means!

So, here's a quick rundown on the difference between a credit report and a credit score - and what it means to you:

CREDIT SCORE:

Your credit score (sometimes called a FICO score) is determined by the credit bureaus, based on your credit history and financial data. The higher the credit score the better. For most people scores typically range from 600-800. There is no way to directly change your score. However, you can change your money habits that affect your score - the biggest one is to pay your bills on time. Here are some others:

• Reduce the amount of your debt you have
  
• Stay within your credit limits & pay on time
  
• Don't use all your available credit
  
• The longer you've had credit the better
  
• Don't keep getting more credit cards and taking out more loans
  

The hard part about understanding credit scores is that each of the 3 credit bureaus calculates its own score, so you really have 3 credit scores! There will all be pretty close, but not the same. Because your creditors don't always report your information to all 3 bureaus.

That's why you need to get a copy of all 3 credit reports (see below) so you have an accurate understanding of what you need to improve.

CREDIT REPORT:

Your credit report shows your entire credit history, and lists all of the above factors that influence your credit score. There is one official website that allows you to get a free copy of your credit report from each of the 3 credit bureaus once a year. So you can get all 3 at once, or get one every 3-4 months. So rather than paying for the "free" monitoring service that's required when you sign up for one of the credit reports from the ads, you can monitor it yourself by spreading out your requests throughout the year.

The "experts" will tell you that you can't repair your credit and you must wait 7 years for bad credit to fall off. But that's not entirely true. I had great success fixing my credit problems - it's not that hard once you know how to do it correctly.

You can pay to have this done, but if you take the time to learn how to do it you can certainly fix your own credit.

Not all that complicated, right? But can be confusing if you fall for the fancy TV ads. And focus on your credit score instead of your money habits. There's nothing wrong with getting your credit score so you know where you stand. But you can get a good idea by looking at your credit report. The more "bad stuff" the lower your score will be.

If you really want to improve your financial situation, and increase your chances of being approved for credit (and lower interest rates!!!) get a copy of your credit report, fix the bad stuff, and your credit score will go up even while you are not looking at it!

Thanks to the carnival of personal finance for including us in the "Ask the right questions" edition.
]]> ABC's of Debt & Credit http://www.debt-tips.com/blog/index.php?itemid=190 Mon, 12 Dec 2011 19:38:04 -0600 http://www.debt-tips.com/blog/index.php?itemid=186 This is the second article of the A-B-C's of credit and debt. Today is B for Begin.

People ask "when is the right time to start fixing my money problems?"

Well, you should probably wait until tomorrow to get started, tomorrow is a new day. Or wait until Monday, after the weekend is over, weekends are so busy. Or even better, wait until January 1 so you get a fresh start in the new year. Well, maybe you should just wait until you get a raise or a better job so you have more money to work with. No, here's a better idea, wait a few months until you save up some more money. Or you could just until things get better, this is a bad time to get started...

Sound familiar?

When it comes to getting out of debt and fixing your money problems there is no "good time" to get started. Actually, let me say that a little differently - the "good time" to get started is RIGHT NOW. Today. If you have to, start small. But start. And I'm not just talking about thinking about getting started, or planning on getting started. You need to actually take some type of action to get started.

Not sure how to get started?

Here are some examples of goals, and ways to get started right away:

Paying off a credit card: Call the bank and ask for them to reduce your interest rate. If you have a balance transfer offer you got in the mail recently, tell them (nicely) that you'll use it if they can't help.

Fixing your credit: Get a copy of your credit report (and don't use the company in the singing TV commercials). Here's how you can get a free copy from each of the 3 credit bureaus, with no strings attached.

Start saving for retirement: Go to your local bank and open up an IRA. Find out what the minimums are invest the minimum. If you can put in more, do it, but if not start small. If you don't have enough, follow the steps below for saving for a big purchase...

Start saving for a big purchase: Get an envelope and put $5 or $10 in it. Then every time you have an extra $5 or $10 put more into it. Before long, you'll have enough saved up.

Buying a house: Call a realtor and meet with them to discuss your needs. It might take a few months to get through the entire process, but talking with a realtor will give you the info you need to start getting all your documents and finances in order.

Starting your own business: Come up with a name for your business and create a flyer. If the business is something big, and requires you to quit your job, write down a plan. If it is something you can do part-time right away, get in your car and start putting up the flyers!

Hopefully you get the idea. Reaching your goals, financial or otherwise, requires taking action. Anyone can plan. Anyone can dream. Anyone can think about. And of course, anyone can "Wait until the right time." Those people who succeed are masters at taking action. And like the old saying goes:

A journey of a thousand miles begins with a single step.

So take that first step today!

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Thanks to MoneyCactus.com for including us in the most recent Carnival of Personal Finance.

]]> ABC's of Debt & Credit http://www.debt-tips.com/blog/index.php?itemid=186 Fri, 9 Dec 2011 11:15:45 -0600 http://www.debt-tips.com/blog/index.php?itemid=185 This is the first installment of our new series "The A-B-C's of fixing your debt and credit problems." Every few days we'll post another article, in alphabetical order. Today, we're starting with A for Acknowledge (obviously - sorry, I wasn't all that good at English in school).

Let's start with a question - why do people struggle with too much credit card debt?

It's not really due to a lack of money. Sure, having more money would be helpful. But there are plenty of people who make lots of money and still have too much debt. For a lot of people, the more you make, the more you spend (I'd love to be able to spend that much, but that's a topic for another day). And it's not really lack of understanding how credit cards work. If you've had a credit card for more than 30 days you know that you get a bill for what you buy. And if you don't pay the bill in full, it gets bigger from interest. And bigger. And bigger!

The real reason people struggle with too much debt is because they think that they won't get into trouble with debt. Other people have debt, not me, they'll say. Or I'll pay it off completely when the bill comes. Or I'll pay it off completely once I get paid. Notice a trend here...Excuses! Excuses! Excuses!

Well, it doesn't take long to figure out that excuses don't pay the bills.

All of these excuses are signs that a person doesn't understand that there is a problem. Like a drinker or smoker who says "I can quit any time I want" - but doesn't because they really can't - those with too much debt don't stop because they don't admit that there is a problem.

So the first step to fixing your debt and credit problems is to be honest with yourself - and realize that the real problem isn't just too much debt or bad credit. But a real problem with how you look at your finances.

Admitting that there is a problem - admitting that YOU and YOUR actions and thoughts and beliefs are the cause of the problem - is a huge (and very difficult) step.

I know, if you just had a little more money. Or if your creditors would just give a break for a month. Or if you could just get a new job making a little more money. Or if you could just win a few grand in the lottery. Or if ... STOP RIGHT THERE!

Been there, done that.

I know what those feelings are like. I know how hard it is to realize that your actions got you into trouble - and truly understand that your actions are the only way to get you out of trouble!

But once you do, it's such a relief! You feel so much in control. And even if it seems like a mountain standing there in front of you, at least you now have a fighting chance of fixing your money problems!

Stay tuned for the letter B in a few days...

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Thanks to Tom at Canadian Finance Carnival for including us in the latest carnival!]]> ABC's of Debt & Credit http://www.debt-tips.com/blog/index.php?itemid=185 Tue, 6 Dec 2011 19:20:05 -0600