Tag Archive | "Financial Hardship"

Dealing with Debt: Consolidation

Sunday, October 21, 2012

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Dealing with Debt: Consolidation

Because of the economic crisis, many Americans have been forced to take out loans or make purchases on their credit cards in the last few years. Most people do not have access to cash savings and need to use credit in order to fund their lifestyle. This has created a situation of out of control […]

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Proven Negotiation Tactics That Will Get Creditors to Agree with Repayment Arrangements

Tuesday, October 9, 2012

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Negotiating with creditors when you’re late on repayments can feel a lot like rolling the dice at a casino after you’ve already lost a bunch of bets and are trying to recover. However, you don’t necessarily need luck or professional negotiating skills to find a winning combination. With the right persuasive tactics and debt management […]

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The Credit Card Shuffle – saving you money on credit card debt

Monday, June 25, 2012

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The Credit Card Shuffle – saving you money on credit card debt

The “credit card shuffle” is a process that involves moving debt from one card to another in an effort to save money on finance charges and interest. This process can work effectively if done correctly. However, you should avoid using one card simply to pay off another at all costs, as this practice is not […]

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Teaching your Children to Budget

Sunday, April 22, 2012

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Teaching your Children to Budget

You have probably learned the importance of keeping track of your own finances, but if you have children, you can also help them become financially literate. Teaching your children to budget can be one of the most important parenting steps you take, protecting your child from future financial hardship, and also teaching them the value […]

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The HAMP — Who Qualifies?

Thursday, November 4, 2010

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Hi NeedMoney readers, I want to follow up on my last post about the HAMP (Home Affordable Modification Program). Hopefully these posts don’t apply to many of you in that you have been able to remain current on your mortgage. However, the odds unfortunately are that quite a few of you are either facing foreclosure […]

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