Posts Tagged ‘Debt’

What the FICO: 12 Steps to Repairing Your Credit – A Step-by-step Guide on Improving Your Credit

May 16, 2014 Leave a comment

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10 Lies That Keep You In Debt – Part 2

March 18, 2012 Leave a comment


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So, the list of the lies that keep you in debt continues. Whether you’re just beginning on your journey toward financial freedom or you’ve declared yourself a certified personal finance sage, I’d almost guarantee you’ve had to say at least one of these to yourself at some point. . . . Well, I know I have!
As a reminder, here is a review of Part 1:
1. I deserve it.
2. But, this is an emergency. . . isn’t it?
3. It was on sale.
4. A couple bucks won’t hurt.
5. If I made more money, this would be easier. Read more…

10 Lies That Keep You In Debt – Part 1

February 22, 2012 1 comment

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We all have those lies, large and small, we tell ourselves to justify why we do the things that we do. The reality is, however, that every single decision we make is either helping us or hurting us. There really isn’t much gray area there. Whether we choose to acknowledge it or not now, really doesn’t matter. Our long-term financial standing will inevitably show us what we found important during our short-term decision making.
Take a look at the list and see if you can relate to any of the lies below.

Mind Right Money Right, Easy Steps for Tough Times

September 12, 2011 Leave a comment

Mind Right Money Right, Easy Steps for Tough Times

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Money is power but knowing how to make it work for you is freedom. That is just one of the lessons that can be found in Mind Right, Money Right: 10 Laws Of Financial Freedom, a financial guide by author Ash Cash.

Ash, who grew up in Harlem, New York, is the former Vice President of JP Morgan Chase Bank, and is currently a business consultant, financial expert, and motivational speaker.

In Mind Right, Money Right, readers can find simple yet essential rules that will help them keep their finances in check. The book details 10 Laws of Financial Freedom that wealthy men and women have used themselves in order to be successful. In its own words, the book is “geared towards anyone who is tired of having a dependency on money and is ready to take some practical steps in order to correct it.” Read more…

Financial Book Review: The Frugalista Files

September 1, 2011 Leave a comment

by Patrice Cunningham Washington

“I don’t leave my low-paying, dead-end job, because I need money to pay down my rent, car, and school loans, and to bring down my credit card bills.”

Sound familiar?

If so, you’re not alone. And that was the great part about reading Natalie P. McNeal’s The Frugalista Files: How One Woman got Out of Debt without Giving Up the Fabulous Life. Knowing you’re not alone in getting a possibly long-neglected financial house in order is one of the most important steps in beginning your journey to financial freedom.

As a sister in the “fab while frugal” struggle, I adored Natalie’s transparency.  She shares more than just her passage from being a pauper to becoming the poster child for personal finance success, but includes candid insight on her professional transformation, personal obligations to family and friends and the real life challenges that take place in a single woman’s life, all while juggling being a staggering five figures in debt.  The way Natalie utilizes metaphors to explain her money woes are both hilarious and relatable. “My student loan is like an old boyfriend who just won’t go away. We had a good run, but it’s time for the relationship to end.” Read more…

Stage Play Exposes Hidden Traps of Student Loans

August 27, 2011 Leave a comment


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Camp Springs, MD( — “College Fever! – What’s The Real Price of College?” debuts Sept 10th & 11th 2011 with free performances daily at 3:00pm and 7:30pm. In his latest live stage-play, writer/director Jay Cameron explores the pivotal moment of decision about how to pay for college from the perspective of graduating high school seniors.

When someone hears the title “College Fever!”, it grabs their attention. Fraternity and sorority life may come to mind. Others might think of the wild campus lifestyle. And though these are aspects of this unprecedented stage-play’s script, there is much more to College Fever. Read more…

5 People Who Shouldn’t Buy a Home

July 29, 2011 1 comment

By Patrice Cunningham Washington
Despite what you’ve heard, buying a home is not for everyone. Pre-Depression, many people who shouldn’t have purchased homes in the first place, went against their better judgement by doing what “so and so” said they should do and ended up worse off for it.

The old-school home-buying rules (well, not your granny’s old school, more like 7 years ago old school) told us:

       A.      To buy as much home as we could afford, ahem, qualify for, with as little money down as possible.
       B.      To buy the biggest McMansion in the neighborhood so everyone would know we “made it.”; or
       C.    We’d always make money, because homes “always appreciated.”
Now that we know how awful that advice was, what do we do?  Well, it’s time to figure out if you happen to be one of the people who probably shouldn’t be buying a home right now.
Here are five personalities who may want to wait before they buy: Read more…
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