Category - Debt

1
Debt and Your Dating Life
2
Just What Do We Know About Debt Settlement?
3
Avoid Post-Holiday Spending Guilt
4
4 Money Mistakes Expectant Parents Make
5
Axioms for Graduates

Debt and Your Dating Life

Would you stop dating someone because of their debt?

Washington Post finance columnist Michelle Singletary admits that while she ‘loathes’  debt, she also would not judge someone based on debt alone. While you do not want someone to take advantage of you or lose out on a good relationship, you also do not want to ignore it if your honey owes a lot of people money.  She offers tips on what to look for in “Is debt a deal breaker when dating? Four signs that it is.”  And before you quiz someone you are dating, you might …

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Just What Do We Know About Debt Settlement?

Covered in debt that seems to pile up each month and unable to pay for it, you might start considering debt settlement. This is very different from debt consolidation companies. The debt settlement companies go out of their ways to help consumers learn how the services work before arriving at any suitable agreement. Here are some important points on the best debt settlement approaches.

How debt settlement works

The debt companies use a negotiation angle to remedy your debt situation. This involves approaching creditors and negotiating suitable plans where creditors agree to cancel their loans for way less of what …

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Avoid Post-Holiday Spending Guilt

A day after many of us have unwrapped gifts and eaten too much, we may feel guilt for some of our excesses. There are ways to avoid the post-holiday guilt that people feel after the winter holidays. For some, it won’t hit until after New Years Day or some time early next year when bills arrive.

If you haven’t followed the financial planning advice you have heard this holiday season, you can still start the near year on stable footing.

Return and donate. Sometimes just looking at objects we don’t find useful or comforting can make us feel unhappy…and whether …

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4 Money Mistakes Expectant Parents Make

I read this article (4 money mistakes people keep making when they’re expecting a baby) by Sheryl Nance-Nash recently. I have a few clients (parents and grand-parents) that are expecting. I found it timely for them and there are lessons for others here too.

  1. Don’t buy too much stuff. Baby’s don’t really need all the things that are sold. Don’t use debt.
  2. You may need to adjust your budget. Changes in your life can mean changes in your budget are in order.
  3. Don’t neglect thinking about your future needs. Save for college, save for retirement.
  4. Update your estate planning documents.
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Axioms for Graduates

As the spring semester comes to end for high school and college graduates, I wanted to perhaps give some unsolicited advice as these newly christened adults start out on their own and begin making life choices and financial decisions that will impact their future.

  1. Resist the temptation to spend everything you make. Instead, do your best to save as much as you can. In fact, it’s possible for a recent college grad to go from making hardly anything during their college years to a decent starting salary. Pay yourself first. Establish an emergency fund of 3 to 6 months of
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