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Payday Loans and Cash Advances

Now that banks have stopped their rampant lending to consumers what should we expect next? Well let’s not be surprised if we see an increase in payday loan or title loan activity. A payday loan is an unsecured, short-term cash advance until your payday. Payday loans are typically hyped with payday lenders saying things like: … Read more

I Went Bankrupt. Our Bankruptcy Story About What It Was Like to Go Bankrupt.

We lived through bankruptcy, we’ve felt the pain, the shame and the embarrassment. We know what it feels like to walk in your shoes to the court house and deal with the emotional aftermath. Sometimes bankruptcy is necessary and the best solution for your situation. You can’t let that knowledge hold you back from what … Read more

Debt Problems Are The Same In Indiana As They Are In Ireland

Patrick Bryan, a debt adviser friend of mine from Northern Ireland, and I were chatting recently about the universal nature of debt problems in the world. It became apparent that while we are all told that we live in an interconnected global economy it seems that the consumers of each country continue to suffer in … Read more

Would You Like More Credit Card Rights If It Means Credit Cards Are More Expensive?

This week I asked the Personal Finance Bloggers Brain Trust the following question and as always, the answers are thoughtful and insightful. Question: At the very time that our banks and Wall Street are asking and looking for a financial bailout they are condemning the ‘Credit Cardholders’ Bill of Rights. The American Bankers Association issued … Read more

So I Just Got a New Credit Card.

My move back to the U.S. from England recently, generated a bit of ‘international moving expenses’ for us. My favorite was the $1,100 unexpected surprise I got having to pay for extra storage and the radiation screening by homeland security of our shipping container with all our stuff in it. It felt a bit like … Read more

Tithing, Saving and Getting Out Of Debt – The Personal Finance Bloggers Brain Trust

This weeks question put to the personal finance bloggers brain trust at GetOutOfDebt.org was: When people are working with a credit counselor or working up their own budget they often hear or believe that they should not make religious contributions and should not put any money in savings while they are making debt repayments. Instead, … Read more

Guest Post – Mortgage Tips and Money Saving Advice

Tom McConnon contacted me recently and wanted me to share this post with you. If you would like to contribute a guest post, you can contact me here. If you are a first-time home buyer, a mortgage may seem like an overwhelming and intimidating thing if you do not fully understand what it is. Here … Read more

Is the iPhone a Debt Worth Having?

The new iPhone is out and people are rushing, at a slower pace, yet again to get one. While they may be on the bleeding edge of technology, I wonder how many users of the iPhone can really justify the huge bills they can generate? And you know what will come after this generation of … Read more

Turn Crap You Don’t Need Into Cash

It’s five days until payday, and you’re rifling through jacket pockets and old purses, scrounging for change. But have you recently looked in the basement? Or the attic, the back of the wardrobes, the garage and the kids’ rooms? Is clutter taking over your house? You may be able to turn some of that clutter … Read more