Charge-offs: What They Are And How To Prevent Them

A charge-off is one of the worst marks you can have on your credit report. It basically means that you have fallen so far behind on your monthly payments that the creditor considers it highly unlikely they will ever get paid back. Creditors charge off the debt in order to write it off and claim…
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Nickel And Diming: 5 Easy Ways To Break The Habit

Have you ever pulled cash from the ATM, only to find your purse or wallet empty again by the end of the day? Well, I must have some shopping bags or something to show for it. Apparently not…what on earth did I do with that $20…$40…$100??? A pack of gum here, bottle of pop there,…
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6 Steps To Build Up Your Emergency Fund

Saving money can be hard! We all know we should do it, and some of us actually do. Even when we do save, we know we should be saving more. So, what’s a poor girl (or guy) to do? Emergency savings should be a high priority on our list of savings goals. Struggling paycheck to…
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What You Need To Know About Defaulted Student Loans

Student loan default rates are the rise. According to a study done by the Federal Reserve Bank of New York, of the 37 million borrowers who have outstanding student loan balances, 14.4% have at least one past due student loan account (as of third quarter, 2011). That’s about 5.4 million borrowers! Nearly one in 10…
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10 Cheap Date Night Ideas

Living paycheck to paycheck with no real relief in sight is a reality for many people in this distressed economy. Mortgage, kids, and gas all come before fun when payday arrives. It can be hard to find entertainment money, but everyone needs to get out once in a while. Here are ten easy date ideas…
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