Debt Collectors: Know Your Rights Against Wrong Practices

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Doomsday Debt Collectors  Debt collectors may be within their right to pursue repayment, but you should know how to protect yourself against doomsday debt collectors and their extreme tactics. Fair Debt Collection Practices Act First, you should be aware that there are laws in place that govern the practice of debt collection. The Fair Debt Collection Practices Act was written for … Read More

Credit – The Four Most Common Forms

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What is credit?  Credit is defined in a couple of ways. One is the amount of money you are approved to borrow from a lending institution. With this approval comes an agreement to repay the charges, any additional fees that can or will be applied, and to abide by time restrictions. Credit can also be classified as your borrowing reputation. … Read More

Your Financial Future

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Your Financial Future Are you worried about where you stand financially or wonder about your financial future? Credit counseling can give you peace of mind. We all know that debt is a slippery slope for consumers. Knowing where you stand is the first step to walking forward in financial success. While internet research can provide a wealth of information about … Read More

Money Saving – Top Ten Tips

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Setting a Spending Plan At the beginning of each year, many Americans include “get out of debt” on their list of New Year’s resolutions and then seem to live under the illusion that they will be able to wish this into reality since a spending plan is never created or written down. The most important part of taking control of … Read More

Financial Planning – The Importance of an Emergency Fund

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A National Foundation for Credit Counseling Poll A recent online poll released by the NFCC (National Foundation for Credit Counseling) revealed that a majority of American consumers don’t have enough savings to cover a $1000 emergency expense. Only 36 percent of respondents said that they would have enough to cover a $1000 unplanned expense, the remaining 64 percent of those … Read More

Budget Tips for Your Vacation

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Summer Vacation and Your Budget Summer is quickly approaching, and if you haven’t planned a vacation yet, you have at least thought about it. With the current state of the economy and the rise of gas prices, you may think you won’t be able to afford a vacation this year. But, there are a few ways you can take some … Read More

Your Wedding Budget

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Budgeting for your Wedding With the Royal Wedding happening tomorrow, wedding buzz has been in the air. What does the dress look like, how many people are they inviting, and how much is this wedding going to cost?! Although we all cannot fork out the reported $65 million, which is about 2,000 times as costly as the average British upper-middle … Read More

Your Mardi Gras Budget

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With tomorrow being Fat Tuesday, I thought it would be beneficial for you to know how to celebrate Mardi Gras on a budget. Check your local newspapers for free events and parades that are in your area. If you plan to celebrate at home with family and friends, here are a few tips to having a fun night on a … Read More