Think before you buy it. Easier said than done, right? Most people find the urge to splurge quite hard to resist. Impulse buying is a dangerous habit and is the cause of needless debt. So how exactly do we avoid this trap when we are but mere humans, constantly subject to sale posters and marketing...
Author: Jonny Smith (Jonny Smith)
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5 Rules of Credit Card Management
Most people have a love/hate relationship with credit cards. While handing over that little piece of plastic may feel painless at the time, once the harsh reality of minimum payments and skyrocketing interest rates begin to sink in, all fun and games come to a sliding halt. If you follow 5 simple rules of credit...
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Keep Your Finances In Order With Some Money Saving Ideas
FinanceWand has some great financial tips and ideas. However, I was mulling over some simpler ways we can all save money in the home. I’ve put together a list of simple money-saving ideas. These will help to keep your outgoings down and leave a little more cash in your wallet for those little luxuries that...
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How To Be Debt Free
The credit boom and subsequent credit crunch of the last decade have left many Americans with an overwhelming level of debt that they have no real means of ever paying back. This will no doubt have a contributory factor in the 20% rise in personal bankruptcy filings witnessed during 2010. If you are one of...
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How To Avoid Insolvency
Personal insolvency is the umbrella term for any circumstance where an individual has insufficient money available to make their loan payments when they fall due. It’s a precarious position to find oneself in but has become increasingly common over recent years, with over 135,000 individual insolvencies in England and Wales during 2010 alone. Insolvency is...
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Using a Mortgage Calculator
If you are interested in getting on the property ladder or moving up, you will need to know how much you can borrow and if you can afford the monthly payments. A mortgage calculator is a vital tool that will give you a guide to what you can afford before choosing a specific product or...
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Selecting the Right Debt Settlement Attorney for Debt Settlement
Are you tired of weekly collection calls, little sleep, and a spiraling debt burden that is pushing you further and further behind your ideal life? With the current economy, today is a perfect time to present your creditors with a debt settlement offer. Let go of some unnecessary stress. A debt settlement attorney is specially...
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How to Save Money During Tax Season
After the excitement and good cheer of the holidays are over, people find themselves facing another busy season – the dreaded tax season. Generally, by the end of January or the first of February, you will have received your W9s, 1099s, and other income documents from your employer(s). Although your employers are in charge of...
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Tips On Working Smarter, Not Harder In Your Business
In this day and age, with all the hustle and bustle of the workday world, it is important to work smarter and not harder to get the job done. There are things you can implement right away to make your job less stressful and free up some much needed time. There are a lot of...
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How You Can Avoid Bankruptcy
Did you know many Americans file for bankruptcy each year? To many, it seems like the easiest way to get out of debt. It can really hurt the future credit and livelihood of anyone who files for it. When a person files bankruptcy it can haunt them for nearly 10 years or more. This means...