If you are facing foreclosure on your home, you shouldn’t give up hope about your situation.  As a homeowner, you have many ways of avoiding foreclosure when you think about using the proper money management techniques. An Unusual Money Management Technique You might think that all money management techniques are related to budgeting and saving.   … Read more

If you’re going through tough financial times, it might seem like applying for credit is just too difficult.  However, when you know a few tips and tricks, you’ll find that it’s not too hard to get the credit you need.  While you should always be a responsible borrower (which might include debt negotiation), applying for  … Read more

You’ve bought your first home, and going through some big career changes.  You recently got married, and now you’re thinking about starting a family in the next couple of years.  As you go through all of these life changes, chances are high that you will move in the next five years or so.  It could  … Read more

Tax debt can be a scary thing.  It can’t be discharged with bankruptcy, and it can be attached to some very serious – very real – punishments.  You want to make sure you avoid tax debt, right?  Doing so might be easier than you think. Start Now Avoiding tax debt is easiest when you start  … Read more

For many who have recently turned 18, the world is now full of opportunities that weren’t there before.  But instead of buying lottery tickets or nonessentials, why not take advantage of the credit that is now available to you?  Using credit responsibly at your age can build good practices now that will keep you away  … Read more

Are you wondering what refinancing is?  Would you benefit from it?  What about loan modification?  These questions are just a few of the big ones that nearly every homeowner must face in this economy.  Refinancing can be a great option to consider if your mortgage is starting to feel just a little too burdensome and  … Read more

As the housing market continues to put more pressure on homeowners, many are finding themselves more vulnerable to scams than they might ordinarily be.  Unfortunately, a group of young men in California recently took advantage of this vulnerability with a loan modification scam. How It Works The men of Mission Viejo, California sent out letters  … Read more

In today’s down housing market, many potential homebuyers are excited about the opportunities available to them.  Now, more than ever before, you can get “more house” for your buck.  If you’ve got the cash for a down payment, what have you got to lose, right? The Scary Term: Foreclosure When it comes to offering mortgage  … Read more

Uncle Sam has a way of finding us, and finding out what he’s owed.  Many freelancers are especially guilty of thinking they can get away with not filing income tax.  However, as much as we all would love to hold on to 100% of our income, the IRS doesn’t have the same sentiment.  If you  … Read more

If you’re like many Americans, you are probably struggling with some form of debt.  If it’s not a credit card, it’s a mortgage.  If it isn’t a car payment, it’s student loans.  Unfortunately, debt has become a regular part of our American lives.  In order to keep your head above water, you need to incorporate  … Read more