How to Consolidate Your Debt

consolidate debt

What are the Best Ways to Consolidate Your Debt? Debt sucks.  When you’re in debt you just don’t have any control over your life.  Rather than working towards your own goals and dreams you have to work to pay off someone else.  You could be traveling the world or investing for the future but you […]

Do You Lie to Yourself About Your Finances?

Back in the day, I loved watching Everybody Loves Raymond.  There was one episode in particular called The Checkbook that still sticks with me.  Debra does all the money management and budgeting for the household, and Raymond finds out that Debra had borrowed money’s from Ray’s parents to make ends meet one month.  Ray is […]

Digging Yourself Out of Debt

Are you having trouble paying your bills?  Receiving calls from debt collectors?  Worried about losing your home? You’re not alone.  Millions of people are deep in debt and struggling to stay afloat.  Whether your debt stems from the loss of a job, a family illness, or overspending…it can be pretty overwhelming.  But no matter how […]

Pay as You Earn Plan May Provide Student Loan Relief

President Obama’s “Pay as You Earn Plan” is a new income contingent repayment plan that seeks to help students overwhelmed with student loan debt and the monthly payments they cannot afford.  This plan can help provide students with immediate relief. Under this new plan, those who owe on student loans will only have to make […]

Debt Snowball vs Debt Avalanche – Which is Better?

Debt sucks.  Watching large chunks of your paycheck go towards credit cards, student loans, car loans, and a mortgage can be disheartening and make you feel like a puppet.  When you are in debt you’re forced to work and earn money that you can’t even enjoy.  Your creditors get to enjoy the fruits of your […]

Paying Off Debt Fast with the Snowflake Method

debt snowflake

You’ve probably already heard of the debt snowball technique for paying off debt fast. But what about the debt snowflake? Popularized by Dave Ramsey, the debt snowball method has you list each of your debts in order with the smallest balances first. Each month you make only the minimum payments towards each debt, except for […]

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