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Should You Pay Off Debt or Save for Retirement?

Should You Pay Off Debt or Save for Retirement? 1

We can all see the benefits of having a large retirement portfolio. If it’s big enough, it can provide you with a standard of living comparable to — or even higher than — the one that you have when you’re working. But let’s face it, not everyone will have a retirement portfolio that will be … Read moreShould You Pay Off Debt or Save for Retirement?

Starting Over by Declaring Personal Bankruptcy

Starting Over by Declaring Personal Bankruptcy 3

The recent recession hit many people hard. But it’s not only recession related issues, such as job loss, that can cause financial problems. A big medical emergency or accident can deplete your finances — even when you have health insurance. Divorce can also result in financial devastation. And, of course, sometimes we make huge money … Read moreStarting Over by Declaring Personal Bankruptcy

How to Deal with Debt Collectors and Stop Harassing Calls

How to Deal with Debt Collectors and Stop Harassing Calls 6

Owing a debt that you are behind on can be a humiliating and frustrating experience. When your unpaid bill is well beyond being past due, it is written off and sold to a debt collection agency. The collection agency buys your debt for pennies on the dollar and any money they get you to pay … Read moreHow to Deal with Debt Collectors and Stop Harassing Calls

How to Prioritize Your Debt Repayment Plan

How to Prioritize Your Debt Repayment Plan 14

Everyone knows that healthy personal finances requires debt reduction. However, paying down debt can become discouraging when you have a great deal of it, from a variety of sources. Paying a little bit extra every month on each of your debts doesn’t seem to make a dent, thanks to high interest charges. Instead, you can … Read moreHow to Prioritize Your Debt Repayment Plan