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Help with Debt

Financial Trouble: Recognize The Signs

Posted on June 7, 2012 by Kristy Lamar

When do you know that you are in financial trouble? Not doing anything gives more time for your budget problems to grow and sink you further in to debt. There are steps you can take to begin paying off your debt. Protect your assets, bank accounts and improve your standing with creditors. How can you tell when you have too much debt? Many of your credit cards have reached the limit. Minimum payments are being paid to creditors each month. You will apply for any credit card that is offered no matter the terms. You practice transferring balances between credit … Continue reading →

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Payday Loans and Cash Advances: 10 Things to Consider Before You Sign

Posted on June 6, 2012 by Kristy Lamar

There are countless of avenues to turn to with getting assistance with your finances, but not every avenue  will lead you in the proper direction. Risking your hard earned money by not fully understanding the road you are on will not support a working budget. In this day and age, most families are struggling to keep up with all the financial demands of running a household while maintaining a way of life for the family. Cutting out expenses can help keep the budget to stay on task, but sometimes, emergency costs … Continue reading →

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Debit Cards: How Do They Work?

Posted on June 5, 2012 by Kristy Lamar

Debit cards are becoming more popular as they are {frequently|often|} being used as a replacement for filled credit cards. These cards often come attached with a major credit card logo, allowing them to be used with a personal identification number (PIN) or charged like a credit card. The major difference between this type of debit card and a regular credit card is that the price for which you charged will be treated just like a check. Sometimes the amount will be deducted automatically while others may take a few days to go through, … Continue reading →

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Debit Card Safety

Posted on June 4, 2012 by Kristy Lamar

Be aware of some drawbacks to using your debit card. For starters, there are some circumstances when merchants will place a temporary hold or block on money in your account which can last a few days. What does this mean to the card holder? It means that the merchant has taken a precaution to protect the charges you have or may have charged by placing a block on a certain amount in order to reserve room for any additional spending on your part. Examples of blocking by a merchant: You … Continue reading →

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Debt Problems: Help for the Elderly

Posted on June 3, 2012 by Kristy Lamar

There continues to be a rising problem concerning the debt of the elderly. As cost of living expenses rise, the elderly are using credit cards to help make ends meet. Pensions do not rise and Social Security has barely risen more than a percentage, which leaves very little room to take care of rising costs without using credit cards or draining savings accounts. There are a third of retired people utilizing Social Security as 90 percent of their income. This reflects upon the serious problem with debt and the elderly. Credit cards are becoming … Continue reading →

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Student Loans: Collections Differ from Other Unsecured Loans

Posted on June 2, 2012 by Kristy Lamar

Loans fall into two categories, secure and unsecured. A secure loan is money which is tied to property such as a home or car used as collateral. This practice gives the lender more security. If you do not pay the lender back, your property will be seized. An unsecured loan does not use property for security, rather, it is based on your credit history and good faith that the money will be repaid. Lenders of unsecured loans scrutinize the applicants more closely because of the risk involved. Student loans fall under the unsecured loan definition as … Continue reading →

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Budgeting with Comparison Shopping Tools

Posted on May 25, 2012 by Kristy Lamar

Budgeting has become a way of life for many hard working people. Everyday costs continue to rise at a much greater rate than income. The demand for fuel, food costs and utility charges are making budgeting additional costs an even harder job. When it comes to making purchases other than the basic necessity items, comparative shopping has become essential. Comparative shopping is defined as: gathering prices and reported information on the quality of each item in the given category by different manufacturers and examining the findings before making the purchase. … Continue reading →

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Tempting Online Deals

Posted on May 21, 2012 by Kristy Lamar

Shopaholics have found solace on the Internet. When you can’t get to a store, you can get on your computer to shop on the web.  Websites caught on to the wave of shoppers coming to their sites and installed tracking software to pay attention to what  you look at and purchase. This information is used to suggest products that you may like to buy or to send offers to your emails. Shoppers who fall into these offers will get way over their heads fast with the ease of online buying. I tend to look at it … Continue reading →

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Payday Loan Budget Tip # 12

Posted on May 20, 2012 by Kristy Lamar

Spotya! Payday Loan wants you to know that Best Buy now accepts video game and electronic trade-ins for store credit. Other stores may do similar with some products that they sell, but having such a large nationwide store offer this service, there will be many more people taking advantage of the trade-in offer. If you are looking to purchase something new, instead of putting them in a closet or selling them for cheap at a garage sale and it is still in working order and good condition, you should bring it into the store … Continue reading →

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Shopping as a Hobby

Posted on May 19, 2012 by Kristy Lamar

When there is nothing planned during a day off from work, a vacation, or just getting together with friends, do you find yourself shopping? Do you find that when you are bored or you get a notice about a sale. you find yourself shopping? You may just have shopping as a hobby. It is not as often as many folk would like to believe, you do not need something everyday. Do you get a rush when you save money on something you have purchased? Compulsive shoppers have been sinking themselves further and further into debt. Some people have the money to support their shopping, … Continue reading →

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