One of the hardest things for many of us to do is to manage our finances properly. It can be hard if you’ve had no training and you’re used to just spending freely, whenever you want. There are thousands of people out there that can’t balance their checkbooks let alone plan for their future, but [...]
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Managing Your Finances and Your Future
November 16th, 2008 — , Financial Planning, accountant, addition and subtraction, bearing, checkbooks, fine tune, goal, how much money, how to manage your finances, investing in your future, little bit, managing your finances, math, personal finance, saving money, savings account, shame from Rich Leverage @ Rich Credit Debt Loan
Learning How to Make a Budget
November 13th, 2008 — , Financial Security, budget, car payment, drastic changes, goal, groceries, long distance, mone, money, paycheck, personal finance, phone bills, roommates, utility bills from Rich Leverage @ Rich Credit Debt Loan
For many of us, spending comes all too easily and before long, we find ourselves at the bottom of a very big debt hole. However, there are ways that anyone can make a budget and start planning for their future. You may not even need to make drastic changes right now, but the more you [...]
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November 10th, 2008 — , Credit Cards, clue 2, credit counselors, creditors, debt, debt obligations, debt to income ratio, debts, decade, goal, health food, household debt, mid 90s, money, personal finance, personal income, priority, saving, savings account from Rich Leverage @ Rich Credit Debt Loan
Over the past decade, an insane amount of debt has been wracked up. Household debt has significantly eaten up a slice of personal income since around the mid 90s. Here are four clues that you are carrying too much debt:
Clue 1 - Your debt to income ratio is too high. Your debt to income ratio [...]
Review: Why Smart People Make Big Money Mistakes and How to Correct Them By Gary Belsky and Tom Gilovich
October 24th, 2008 — , Book Review, accounting, case studies, college professor, conclusion, financial journalist, financial ruin, goal, human psyche, hype, money, personal finance, personal finance books, personal finances, premise, spending habits, whiz from Rich Leverage @ Rich Credit Debt Loan
This fascinating book by a popular financial journalist and a college professor may not be the newest book on the shelf, and it may not have the most hype, but by far, it is one of the most interesting personal finance books we have ever read. This book goes where not many do – into [...]
Related StoresDoes Your Financial Future Look Gloomy?
October 20th, 2008 — , Bad debt, Credit Cards, Long Term, cash flow problem, consequences, credit card, crystal ball, debt, early warning signs, financial future, financial goals, financial risk, flip side, forty years, goal, good debt, personal finance, rental property, solid investment, taking the time, two answers, warning sign from Rich Leverage @ Rich Credit Debt Loan
While no one can look into a crystal ball and determine where they will be financially in twenty, thirty or forty years, there are some early warning signs that may indicate that the future might be a bit gloomy. The key to successfully preparing for your future is to avoid known behaviors that can be [...]
Related StoresDo You Go For the Gold Financially?
October 16th, 2008 — , Financial Security, athletic style, balanced checkbook, better time, different light, financial effort, financial future, financial outlook, financial stability, futures, goal, gold medal, heart desires, mindset, money, motivation, olympic events, olympics, perseverance, personal finance, personal finances, side business, term goals, wealth from Rich Leverage @ Rich Credit Debt Loan
Now that the Olympics are over, many people have been inspired to try harder, to live their dreams and to focus on their futures. These same feelings and motivation can be carried over to your financial life as well. There is no better time than right now to get your personal finances in order, and [...]
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October 7th, 2008 — , Bad debt, Credit Cards, Financial Security, Long Term, cautionary notes, consolidation loan, consolidation loans, consumer culture, debt, easy solutions, finding a way, five dollars, fixed rate, goal, good debt, head above water, island in the sea, minimum payments, money, personal finance, short term loans, treading water, variable rates, vicious cycle, ways to make more money from Rich Leverage @ Rich Credit Debt Loan
If you are swimming in a sea of bad debt, keeping your head above water can be incredibly difficult. Thanks to our consumer culture, the availability of credit cards and a general lack of concern for what debt means, many people find that their bad debt is out of control. Luckily, there are a few [...]
Related StoresDo You Have What it Takes to Be a Millionaire?
October 2nd, 2008 — , Bad debt, amount of money, becoming a millionaire, bottom line, budget, debt, enormous problem, foreclosed property, goal, good debt, hundreds of thousands, mean time, million dollars, millionaires, mindset, oversimplification, overspending, personal finance, plasma tv, second group, slim to none, steady stream, thousands of dollars, time 3, wealth, winning the lottery from Rich Leverage @ Rich Credit Debt Loan
Every year, thousands of people become millionaires, while hundreds of thousands struggle to make ends meet. What is the difference between the two groups? In many cases, it comes down to whether or not you have what it takes to be a millionaire. While this may seem like oversimplification, there is a lot to be [...]
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Getting Motivated to Organize Your Finances
October 1st, 2008 — , Credit Cards, Financial Security, Long Term, Retirement, budget, financial goals, first steps, getting your finances, goal, journey, money, money work, motivation, next five years, personal finance, personal plan, spending habits, term goals from Rich Leverage @ Rich Credit Debt Loan
For many people, the first steps towards getting your finances under control are the hardest. Whether you didn’t spend enough time learning about basic personal finance principles when you were younger, or life happened and you’re now at the bottom of a very large problem, it can be difficult to get motivated to make that [...]
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Restore Your FICO Score – Part Three
September 30th, 2008 — , bounce, cards, collections agency, credit bureaus, credit card accounts, credit report, credit score, debt, due date, fico score, goal, initial steps, minimum balance requirement, money, overall score, payment history, personal finance, secured credit card, six months from Rich Leverage @ Rich Credit Debt Loan
In the previous parts of this article we discussed how FICO score can impact your financial status as well as the initial steps that you can take to begin restoring your FICO score. We covered handling collections first since they do have a big impact on your overall score, but there are a few other [...]
Related StoresRestore Your FICO Score – Part Two
September 29th, 2008 — , Bad debt, Lenders, checkbook, collection agencies, collections, credit report, credit score, diligence, fico score, fico scores, fraction, goal, interest rates, loans, money, personal finance, proof, verification letter from Rich Leverage @ Rich Credit Debt Loan
In our last post, we covered how to begin the process of restoring your FICO score, as well as how changes can affect this score. Now that you are ready to begin, there are a few steps that you will need to take. Many of these steps require diligence on your part and a little [...]
Related StoresRestore Your Fico Score – Part One
September 25th, 2008 — , Lenders, advance notice, apartment, cards, credit card, credit history, credit score, despair, fico score, fico scores, goal, money, nosedive, obsessing, personal finance, proper management from Rich Leverage @ Rich Credit Debt Loan
While obsessing over a FICO score is not a good idea, this is a number that will have a lot of bearing in your life. This number determines whether or not you will be able to get a house, a new credit card, or in many cases, whether or not you will be able to [...]
Related StoresHow to Set New Financial Goals
September 15th, 2008 — , attainable goals, disposable incomes, financial goals, financial success, goal, goal setting, how much money, little bit, minimum wage, money, motivation, next five years, personal finance, saving money, streams of income, success goal from Rich Leverage @ Rich Credit Debt Loan
No matter how old you are, or how much money you have in the bank, it is never too late to start setting new financial goals. A big part of successfully saving money and making more money is the formation of goals, keeping track of your progress and finding that motivation that is key to [...]
Related Stores6 Easy Tips on Raising Your FICO Score
September 4th, 2008 — , Credit Cards, collections, credit report, credit requests, credit score, creditor, fico score, getting a mortgage, goal, interest rates, major credit bureaus, money, overall score, pay for deletion letter, period of time, personal finance, self worth, short period, three major credit bureaus, three months from Rich Leverage @ Rich Credit Debt Loan
In today’s world, it’s easy to define your self worth by your FICO score. Whether you are trying to buy a house, get more credit or just get back on the right track, a low FICO score can really impact your entire life. However, there are some easy steps that you can take to increase [...]
Related StoresWhat You May Not Know About Personal Finance
September 1st, 2008 — , Financial Security, Long Term, aim, banking, budget, car accident, common sense, credit reporting agencies, emergencies, emergency fund, expenditures, financial disasters, first steps, four months, goal, good habit, gross earnings, late payments, losing your job, managing your money, money, personal finance, rainy day, salary, wealth from Rich Leverage @ Rich Credit Debt Loan
Unless you’ve taken some courses on handling finances, there is a chance that you may not be aware of a few of the key points about budgeting, managing your money and planning for the future. While a lot rests on common sense, there are a few techniques that everyone can use to correctly manage their [...]
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Continue reading → What You May Not Know About Personal Finance
How to Avoid Nickel and Diming Your Way to the Poorhouse
August 14th, 2008 — , Financial Security, Long Term, Retirement, bread and butter, budget, goal, gum, harsh light, impulse purchases, ins, instant gratification, mcdonalds, money, new experiment, nickel, personal finance, perspective, poorhouse, poverty, quarters, rest of your life, spending habits, tipping point, whatsit from Rich Leverage @ Rich Credit Debt Loan
We would love to start a great new experiment, where everyone would catalog all of their impulse purchases for the course of one year. Everything from that cheap pack of gum to the “whatsit” that we really don’t need would have to be recorded. At the end of the year, everything would be totaled up [...]
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Are You Managing Your Debt Correctly?
August 7th, 2008 — , Bad debt, Credit Cards, budget, credit card company, debt, debt spiral, dirty word, educations, emergencies, enough money, fact of the matter, goal, good debt, groceries, hard time, interest card, late payments, minimum payment, personal finance, school tuition, signs, suggestion, wallet from Rich Leverage @ Rich Credit Debt Loan
Although debt is a dirty word to many, the fact of the matter is that the vast majority of us are in debt in some way or another. No matter how hard we try, there are times when you simply need something and cannot afford to pay for it straight off. For example, school tuition [...]
Related StoresSmart Credit Card Debt
August 5th, 2008 — , Bad debt, Credit Cards, Free Money, Investing, amount of money, bare minimum, budget, credit card balance, credit card debt, credit rating, debt, decades, emergencies, global problem, goal, good debt, investments, minimum payments, money, personal finance, poorhouse, premise, salary, smart credit, smart management, three months from Rich Leverage @ Rich Credit Debt Loan
Credit card debt is a global problem that has led many to the poorhouse. However, with smart management, credit card debt can actually be a good thing. Let’s look at how to have smart credit card debt that will help your finances instead of hurt it. The premise may be a little odd to some [...]
Related StoresAre Your Finances a Wreck?
August 4th, 2008 — , Bad debt, Credit Cards, budget, cash flow, couple days, credit bureaus, credit card purchases, credit rating, due date, economy, goal, late payments, money, monthly budget, much money, paychecks, personal finance, salary, warning signs that, wiggle room from Rich Leverage @ Rich Credit Debt Loan
As the housing crisis worsens and the economy looks increasingly weak, most Americans are facing the reality that their finances are in a bit of a wreck. Chronic overspending, a lack of savings and too much bad debt has left many in a financial condition that they would prefer not to be in. Here are [...]
Related StoresLearning How to Finance Your Future
July 14th, 2008 — , 401k, Financial Security, Income Streams, Retirement, case companies, creating multiple streams, diversification, extra money, fixing cars, futures, goal, homelessness, investments, living paycheck to paycheck, many different ways, multiple streams of income, paycheck to paycheck, personal finance, rainy day, retirement money, second job, social security, social security benefit, sole source, streams of income, talents from Rich Leverage @ Rich Credit Debt Loan
Most of us think about retirement and panic. It can be tough trying to figure out how we’re going to survive and plan for our futures when we’re just trying to make ends meet right now. If you’re strapped for cash at the end of every month, chances are you are not saving anything for [...]
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December 3rd, 2007 — Financial Education, Lending Club, Series, goal, marathon, marathons, mastered, overload, pick, stick, training from Andre Nosalsky @ Better Rates. Together.
Listening to the radio and watching TV reports on the stock market, we often hear market and business reports. This news has become more of an entertainment than actual meaningful information. It can be mind-boggling to listen to everything that is going on in the financial world. Sometimes this overwhelming feeling sets in because of [...]
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