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Bouncing Back from Bad Credit

A bad credit rating can have multiple aspects of your life if you are not careful. While most people are well aware that a bad credit score can make it impossible to secure a loan, there is also a litany of other negatives associated with a dismal credit report. For example, even if you are able to secure a loan from a financial institution, if you have bad credit, you will likely be forced to pay a much higher interest rate. In some cases you may also be hit with fees because lenders consider you a risk. In addition to … Continue reading →

Don’t Tolerate Bullying By Bill Collectors

Are you feeling like you receive more phone calls from bill collectors than you’re your friends and family combined? Getting those calls can make you feel awful – chances are that you are well aware of the debt but you are simply not able to pay it at the present time. You may avoid picking up the phone because you do not feel like there is anything that you can do about the debt, so why bother. Unfortunately, bill collectors are allowed to call you in an attempt to collect money from you. Fortunately, there are rules that they must … Continue reading →

Is That Good Deal Really Good?

The other day as I was at the grocery store, I was inspired to write this post by some coffee that was on sale. Our family’s grocery budget is rather tight but we do splurge on certain things, like high quality coffee for my husband’s morning cup. Our favorite brand, Green Mountain Coffee, was on sale for $6.00 per bag instead of its usual $8.50. That is quite a savings. As I picked up two bags of the coffee and placed them in the grocery cart, I remembered that coffee was not on my grocery list. I had bought two … Continue reading →