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You are here: Home / Archives for debt management

debt management

Is Anxious Attachment Hurting Your Relationship with Money?  

January 11, 2023 by Erin Moore Leave a Comment

I was $33,000 in debt by the time I turned 22.  This wasn’t the sympathetic, socially-justifiable student loan kind of debt.  This was $33,000 of credit card debt, accrued over a 9-month, blackout-style spending spree on clothing, farm-to-table dinners, bougie gym memberships, and Instagrammable getaways. The momentary thrill I enjoyed from all these purchases would […]

Filed Under: debt management

6 Ways To Prepare When Applying For A Mortgage

September 7, 2021 by Lucy Lazarony Leave a Comment

Looking to buy a home in the next year or more?  You’ll want to clean up your credit, pay down debt and build up your savings. Here are six ways to get ready to apply for a mortgage. Review your credit reports. Buying a home is the biggest purchase you are likely to make and […]

Filed Under: debt management

Get Out of Debt Before it Gets Out of Control

September 7, 2021 by Mrs. MoneyJar Leave a Comment

Get help to get out of debt now, before it grows into a bigger problem.

If you’ve already read my first article, 5 Steps to Get Out of Financial Purgatory, you know that we’ve reached step #3 on the list. And, although, I am definitely not an expert on getting out of debt, life has taught me that you can’t wish it away or bury your head in the sand. […]

Filed Under: bankruptcy, credit counseling service, debt consolidation, debt management, debt settlement, money management

House Poor in Canada

September 7, 2021 by Jeff Schwartz Leave a Comment

It’s a commonly-held belief that Canadians make it a priority to pay for shelter costs ahead of other household spending. Mortgage payments and utilities typically receive more attention than transportation, clothes, and entertainment. First things first: we need a roof over our heads, we need running water, and we need the lights to be on. […]

Filed Under: debt management, economy

Do You Really Need a Credit Card in Your Wallet?

September 7, 2021 by Mrs. MoneyJar Leave a Comment

Take those credit cards out of your wallet.

As mentioned in my introductory post, there are “5 Steps to Get Out of Financial Purgatory“. We’re going to focus on each individual step in this blog series, so you can understand how and why each is important, and maybe use some of the information to make changes in your own financial life. Step one […]

Filed Under: debt management, money management

5 Steps to Get Out of Financial Purgatory

September 7, 2021 by Mrs. MoneyJar Leave a Comment

Do more with your money. Get unstuck and out of financial pergatory.

I know Purgatory sounds like a bad place to be, but it really comes down to the fact that you are, or have been, financially “stuck” for awhile. The way you manage or don’t manage your money can play a huge part in this, but the good news is that it’s only temporary and there […]

Filed Under: debt management, money management

How Bankruptcy, Payment Plans, and Debt Settlement Affects Your Credit

September 7, 2021 by Michael Bovee 85 Comments

A common concern you may have when searching for the best way to get out of overwhelming debt is how it affects your credit score. What follows will help you understand credit score impacts that relate to the most common and legitimate debt solutions. This page will also help to dispel some myths that get […]

Filed Under: bankruptcy, credit counseling service, credit reports, debt management, debt settlement Tagged With: debt relief, FICO, vantage score

Debt Roll Up (aka Debt Snowball) Approach to Paying Down Credit Card Debt

September 3, 2021 by Michael Bovee 34 Comments

What a debt roll-up looks like.

The Debt Roll Up process (often referred to as debt snowball) is simple to understand and implement. This method to pay down credit card debt requires commitment and discipline. The approach is straight forward. You simply pay more than the required minimum payment on one credit card until it is paid off. Once you knock […]

Filed Under: debt consolidation, debt management

Hardship Payment Plans for Credit Card Debt

February 3, 2023 by Michael Bovee 234 Comments

Getting your bank to agree to a hardship plan.

What are bank sponsored credit card hardship payment plans? Banks reach out through the phone and with mailers in an effort to get accounts that have fallen behind back on track. Large credit card banks are willing to work directly with you shortly after you miss a payment. Hardship payment programs are a bank’s loss […]

Filed Under: debt consolidation, debt management

Can Settling your Debts make it Easier to Find a Good Job in Today’s Tough Job Market?

August 8, 2017 by Michael Bovee Leave a Comment

In a recent blog post written by Diane Stafford with the Kansas City Star entitled: Bankruptcy filing thwarts re-employment, Stafford highlights a key reason why consumers who can qualify for a Chapter 7 liquidation of debt bankruptcy should research ways to avoid it, if at all possible. The concern here is your credit report when […]

Filed Under: bankruptcy, Blog, debt management, debt settlement, economy Tagged With: bad credit, credit report, debt negotiation, jobs, unemployed

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