One of the most difficult decisions that you can face is whether or not to file for bankruptcy. For individuals, there are basically two types of personal bankruptcy, which includes Chapter 7 and Chapter 13. Designed to give the filer a fresh start in life by wiping out certain debts, a Chapter 7 bankruptcy will rid the filer of credit card and other unsecured debt. A chapter 13 bankruptcy, on the other hand, is a court-approved payment plan in which the filer is required to …
Basic Tips on Personal Finance
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Budgeting Through Elective Utilities
Telephone, Internet, and television service are all examples of elective utilities. These utilities, though many times necessary, are not essential to basic living standards in the United States like gas, electricity, and water. Elective utilities are no less important to a household budget.
When budgeting elective utilities, the trick is to find a company offering the same service or better for a lower rate. This may sound like a statement from Captain Obvious, but it is…
Budgeting Without Shame
Are you constantly trying to stay just one step ahead of your bills? A budget can help you organize your finances. It is really surprising, but a budget can save time and a lot of worries.
Debt Consolidation with Home Equity Loan Give You the Most Flexibility
Have you ever wondered how can you consolidation your debts and help you to save money which is used to pay for those high interest rate debts? Read this article for more information on this topic.
How To Get Free Annual Credit Reports From Major Credit Bureaus
If you plan to apply for a mortgage, car loan, credit card or consolidation loan, then you will need to know what is in your credit reports from each of the three major credit bureaus. These include TransUnion, Equifax and Experian and each keeps a detailed record of your current and past debts, payment history, along with any information on public record, which may include foreclosures, bankruptcies or judgements.
Each of your credit reports from the aforementioned bureau…
Cash Flow Planning for Solo Professionals
Lack of cash flow planning is the reason why many businesses fail. In fact, many PROFITABLE businesses fail because of cash flow issues. Without adequate cash flow, you cant pay your bills and you cant make plans for your business.
Keep it Business, Not Personal
Learn how to simplify your life by keeping your business and personal finances separated.