Category: | Personal Finance

Which Debts Need Paying First

Posted On Category: | Personal Finance

The debts that need paying first are the ones that will cause you the most grief if left unpaid. It goes without saying that taxes are at the top of the priority list as the IRS has more powers than anyone to recover the monies owed to them and failure to pay their account on […]

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What To Do With A Budget Surplus

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Where there is a budget surplus you should apply those funds towards clearing the debt that you are paying the highest rates of interest on. Where you have accounts that offer a discount for early payment you should also take advantage of those discounts by applying the budget surplus towards them. Until you have cleared […]

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Wants And Needs

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Now this is the area that gets most people in financial difficulty in the first place. There is a huge difference between wants and needs and if you honestly look at your financial position and consider how you have built up the debt that you are currently faced with you might just find that it […]

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Understanding Why You Spend

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We all have reasons why we spend and aside from the necessities in life many of us love to spend for various different emotional reasons. Just as some people ‘reward’ themselves or find comfort in chocolate there are many more who spend money in response to certain emotions. Are there occasions in your life when […]

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Understanding Debt Better

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Not all debt is bad and while you might consider it to be so at the moment when all you can think about is the overwhelming amount of debt that you need to repay and the problems that it has caused, you will also need to understand that often it is worthwhile having debt. For […]

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Trying To Get By Without A Budget

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Don’t even try to get by without a budget as you will be setting yourself up for failure. It’s as simple as that. Without a budget you can’t hope to have control over your finances as most people will find that once they start doing a budget they realize all the additional expenditure they have […]

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Making The Right Moves When Debt Is Excessive

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While the budget will help you to manage your debt and to begin eliminating outstanding debt if you have excessive amounts of debt then you are going to need to take a little more action to reduce the impact this will have on your life, your credit rating and your future. If you have a […]

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The Future

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What will the future hold for you once you get over your debt and finally become financially free of the burden that has stressed you for so long and stopped you from sleeping at night? With your debt cleared, and excess funds available each month over and above your expenditure, you need to consider the […]

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Take Time Out

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You might feel like there is no time for you to rest and relax and you feel guilty about the fact that you do occasionally take a bit of time out. Here is the fact of the matter — no matter how much work you feel you need to do or how much income you […]

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Take Care Of The Most Important Debts

Posted On Category: | Personal Finance

You need to prioritize your debt repayment and ensure that the most important debts are taken care of first. The importance of the debt is determined by the impact that it can have on your life both now and in the future so clearing past due taxes would be one of the first debts that […]

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Student Loan Debt

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The percentage of people who are getting behind and defaulting on the repayments of their student loans has been steadily increasing over recent years. It can be very difficult when you finally graduate and find that you owe thousands of dollars in student loan debt and the job that you have isn’t paying quite enough […]

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Slashing Your Spending

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The first step towards eliminating debt is to look at all areas of your spending and slash the items that aren’t vitally necessary for your survival. You are in survival mode now so you need to think in that manner. Luxuries are off the menu until you are in a position to sleep peacefully at […]

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Automobile Debt

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Along with credit cards automobile debt is one area that gets a lot of people in financial strife. Most people don’t realize that one of the most profitable parts of the car dealership business is in the financing of the motor vehicles. There is often more money to be made from the financing than from […]

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Time Management

Posted On Category: | Personal Finance

It is often said that the people who have the most time those who are the busiest simply because busy people tend to manage their time a lot better. Time is money and you need to manage your time as well as all other aspects of your life. By managing your time well you are […]

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