Credit card companies want you! If you hold many different credit cards, or have an online merchant account you probably receive new credit card offers each week that promise that you can transfer your balance. Balance transfer offers are just one of the many results of heavy competition between credit card companies. Fortunately, it’s one […]

 When you start to study to topic of debt management, you’ll notice that some financial experts refer to “good” debt and “bad” debt, and others simple throw all debt into one category. Is there such a thing as good debt, and if so, how can you make sure that your debts are of the right […]

No matter how much you try to budget and watch your spending, there are always unexpected emergencies that you have to pay for. Whether it’s a broken tail pipe or a emergency trip to the veterinarian, these financial obligations that come out of left field can wreak havoc on your spending plan. That is, of […]

You’ve probably heard a lot of good advice over the years on how to pay off your debts, including the tip that you should pay more than the minimum payment due each month. However, this may not always be easy when you are on a tight budget. Even if you want to pay more than […]

Debt problems don’t happen overnight. They are the cumulative result of habits that build up over time. Often times, when people find themselves overwhelmed with debt they wish that they could just turn back the clock and change their ways. Instead of lamenting over past mistakes, why not identify problem-causing habits now and stop them […]