Warning! Don't Seek a Debt Relief Program Until You Read This!

Are you considering a debt relief program to consolidate or lower your bills?

Consider some thoughtful tips that this article I stumbled upon is suggesting.

It's a great read...Check it out:


5 Credit Relief Tools, and 1 Argument Against Debt Consolidation
7 Sep 2007 by Drew Johnson

Whether it’s because of reckless spending, sickness, death or divorce, at some point in our lives we will be faced with financial problems. Here are 5 easy-to-remember debt relief tools that can help you better control your finances and ...

Thanks for viewing,

Curtd

BTW, Do you need more credit debt finance tips? CLICK HERE

How to Flood Your Pocket With Wads of Cash...the Easy Way!

...Well may be not wads of cash but definitely a significant savings, how?

Budgeting the household expenses can be such a drag. Feels almost like having a rope around your neck.

I've been budgeting seriously for about 2 years now and I have to say that it's actually working. I have cut back on lots of little things like buying snacks...especially those impulsive kinds of snacking.

I've cut out those expensive trips to Starbucks or Peets Coffee. (Going to those places is like shopping at a Cosco...have ever noticed they deliberately place all the snack junk towards the check out stand? So as you are waiting with your cart to pay, you're standing next to a big pallet of beef jerky or the special on your favorite chocolate candy!)

I digress...

But the reality to my success is actually cutting out all the small things...I've noticed that I have extra change, so I just put it away.

One of the biggest culprits in spending money is at the grocery store. Do you find yourself counting and adding how much you are spending? I do.

A couple of posts back I talked about buying in $30 units and that has helped me a lot.

I just read an interesting article about how this one person goes grocery shopping.

Check it out, I think you'll enjoy it:

Grocery Budget Undergoing Overhaul
By paidtwice
It is clear from the results of this month that the grocery budget needs an overhaul. Which actually, is understandable. My three year old eats more every day it seems, my 11 month old is starting to eat enough to actually add to our ..

Thanks for viewing,
Curtd
Do you want more tips on saving money? Visit here: 101-credit-debt-finance.com

The Secret Ingredient to Winning That Job!

Did you know that now employers will check your credit report to determine if you are the right person or you will be a risk to their company?

So you think that you've got what it takes to get that job. After that super great interview you're feeling on top of your game.

You're thinking you have aced that interview...said the right things to impress the interviewer. You know you'll be hired.You feel it in your gut...

Wait a minute, not so fast!

You see, there is one more important step after all the grueling interviews. They hand you a sheet of paper, a document that requests that they review your credit report. Of course at the bottom you sign off on and you request to get a copy of that report to.

The employer can determine that if your credit history show unusual spending patterns such on time or late payments. They can see how consistent are the lates. How many credit lines did you open, did you abuse these credit lines by not paying on time...

They can get into the psychology of their potential candidate.

If you look great in that history showing responsible actions in paying on time, you're probably an excellent candidate.

But if you are consistently late, have a terrible score and show that you have history of not paying your bills on time, don't bet on the farm that you'll get hired.

So what's the Secret Ingredient???...You guessed it.

Get current on your credit report.

So don't wait, do it now.


Thanks for viewing,

Curtd

BTW, here's how to grab your Free Credit report

Secrets to Pulling Gobs of Money Out of Thin Air!

How to Pull Money from Thin Air....

Yes this sounds like some sort of Houdini thing. But think about it for a moment, it can be done.

You see, if you are on a tight budget or need to be on a budget to save your money then a little creativity ('Thin Air') can save you quite a bit of your hard earned money.

I recently made a big purchase, I bought a new car. By the time I added the new car payment and increased car insurance....Ouch!

So...How much can you save??

well that's really up to you. I am on a tight budget so my mind is always thinking (your mindset) of ways I can cut back on my spending.


Now I only have only so much money left over for myself, which is not very much.

So what am I doing?

I have created a system that seems to be working for me. You should create a system that works for you too.

What I did was divided my left over living expenses into $30 units. For me it seems that $30 is the average expense I use, such as buying gas or going to the grocery or taking my son to the movies.

Now for you it might be different, you just need to find out your units of spending.

The idea behind this is to limit the number of units you spend each week.

Make a real goal and stick to it.

The other motivator is to review your check book and start dumping all the unnecessary things that you buy such as buying coffee at Starbucks, going to the movies every week or magazine subscriptions...You get the picture right?

By doing this you've created extra money out of thin air!

Remember, you've got to create a system and you got to start now.

Here is a great article to put things into perspective if you are seriously in the mindset to save money.

Check it out....

Cash slips between cracks -- Nearly half of Americans lose track of at least $2,340 each year.


Thanks for viewing,

Curt

BTW, for more ways to save money visit: 101-credit-debt-finance.com

Home Ownership in 2 Simple Steps

Although this might sound too good to be true the following article sheds light to anyone considering homeownership in today's housing market.

There are two important elements in considering buying your first home:

1) Know the condition of your credit history and score.

2) How much savings do you have.

Read this next article for details......

Repair, build credit before getting realtor, lender
Howard University The District Chronicles (subscription) - Washington,DC,USA
We pay $1250/month now in rent, we just paid off a few collections, have credit scores below 600 and very little savings. I would like to know how we can ...
See all stories on this topic

Thanks for viewing,


Curt
www.101-credit-debt-finance.com

How to get the Upper Hand in Home Buying

Are you planning to buy your first house?

One of the most important steps to deciding if you are ready to buy your first house is to get your credti report.

Reviewing your credit report will give you an idea on how great or how poor your credit is. You certainly want to know what your credit score is too.

Your score will determine what types of mortgage programs and rates you can qualify. So before you talk to a mortgage lender, get your credit report.

...Oh by the way, here is a great article that covers some other important details in preparing for a mortgage.

Check it out....

Open House: Improving credit score helps home buying

What's the most effective way to obtain the best possible home mortgage in today's market? That's the question asked by many home buyers — and owners wanting to refinance their existing mortgage.......

Thanks for viewing,

Curt
Get the scoop on improving your credit
at 101-credit-debt-finance.com

How to Eliminate Your Debt in 7-1/2 Years

Being in debt is not a fun place to be.

I know that I don't enjoy it. It's all consuming. Very restrictive to one's life style. Do you know what I mean?

I hate counting my money but I know that is very necessary...after all I have bills to pay, need to eat and pay for gas!

Oh and the other thing I do is avoid looking at my check book balance.

I know, sounds crazy but I hate the fact of watching my money slowly or quickly disappear.

But that's all changing.

A few months ago I decided to make changes in the way I spend my money.

This decision really manifested within my life, inside my head.

The best action I took was to have a strategy, a plan. Why? Because that's the starting place to how you can begin eliminating your debt.

Here is a plan if you don't have one, that will guarantee eliminating your debt in 7-1/2 years. Just go here:

http://www.101-credit-debt-finance.com/debt-elimination.html

Thanks for viewing,

Curt

Stop Gettng Ripped Off on Auto Insurance....

I don't know about you but my car insurance is out of control. Just one year ago my rates were reasonable...or so I thought.

But I moved in September of 2006 not thinking that my insurance would be affected. When renewal time came rolling around..Ouch!! My new bill was 30% higher!

Well now I'm shopping....if you're in the same situation here are some great tips on helping you to find the best auto insurance online.

Thanks for viewing.

Curt
http://www.101-credit-debt-finance.com/

Check out the tips here....

Car Insurance Tips That Will Save you Big Bucks
PR-GB.com (press release), Bulgaria - Sep 7, 2007
On the best insurance comparison websites, you can even talk with insurance professionals and get more tips on saving money on your car insurance (see link ...

Suffering from Debt Overload? Here's a simple....

Suffering From Debt Over Load?

Getting in control of your debt at first seems impossible and almost always painful. So painful that we often turn the other cheek to avoid the pain.

Are you in debt denial? If so, here's an excellent article on steps to pull your self out of your dispair....


The Debt Samaritans
Motley Fool UK, UK - Aug 28, 2007
If you fill in the debtline's Personal Budget Sheet (or The Fool's Statement of Affairs) you can work out the difference between your income and your ...

I hope you find this helpful....

Curt
http://www.101-credit-debt-finance.com/

Are Homeowners the Only Target in the Sub Prime Fallout?

Here is an interesting story on the sub-prime mortgage fallout. Not only does it affect homeowners caught with those hybrid adjustable loans that are leading sub prime foreclosures but Wall St. as well.

Check it out now.....

Telegraph.co.uk
From the Rockies to Northern Rock: how bad debt infected the worldTelegraph.co.uk, United Kingdom - 4 hours agoThe funds held them through complex financial instruments known as collaterised debt obligations (CDOs), which had been used to parcel up portions of all ...

Curtd
http://www.101-credit-debt-finance.com/