Category Archives: General Information

February 15, 2010

Christian Debt Management and Assistance– also posted in Budgeting, Credit, Education, Loans, Personal Finance

Debt management is yet another aspect of Christian debt services where the organizations help in assuring the debt payment and a complete freedom from debts for the family seeking assistance from a Christian debt management firm.
There are instances where people covered in enormous debt seek the help of banks and financial institutions in resolving their [...]

February 3, 2010

Getting Out Of Credit Card Debt– also posted in Budgeting, Credit, Frugality, Personal Finance

Over time credit card debt can really stack up. People are often in way over their heads. Although challenging, the debt can be eliminated. It’ll just take some smart tactics, dedication and perseverance to make it through. I’ll tell you up front that I’m a firm believer that you can be rid of this debt [...]

January 5, 2010

First Investment– also posted in Basics, Education, Extra Income, Investing, Job Hunting, Personal Finance

A big topic in Personal Finance is investing. But beginning to invest can be an overwhelming task. And to be honest, I believe most people think too narrowly when considering investment. Investing is not just stocks and bonds. Nor is it just real estate. The first place you should look is yourself.
Education is one of [...]

October 20, 2008

Don’t Give Up!– also posted in Frugality, Home Finance, Personal Finance

This may surprise you since I live in the South, but I am a college football fan. Although, what may actually be a surprise for some of you is that I am a Kentucky fan, even in football. The game this weekend between my beloved Wildcats and Arkansas made me think about personal finance.
The wildcats [...]

October 7, 2008

Something to Learn from the Financial Meltdown– also posted in Credit, Home Finance, Personal Finance

The New York Times has a great article providing some background on why we are in the mess we are in. The article states:
But by the time Mr. Mudd became Fannie’s chief executive in 2004, his company was under siege. Competitors were snatching lucrative parts of its business. Congress was demanding that Mr. Mudd help [...]

October 3, 2008

Admit You are Wrong– also posted in Basics, Personal Finance

I was watching the VP debate last night and one thing stood out as it pertains to the topic of personal finance. Governor Palin was asked who was responsible for the sub-prime problem, the people, Wall Street, or both. Her answer bothered me. She said that the people were not to blame but the predatory [...]

October 2, 2008

Site Changes

Please bear with me. I am working with a new theme and changing some things. The functionality of the site shouldn’t be affected, but as I am redesigning the layout things may look a bit off. For example, the about section on the right. I am trying to find where that is located to change [...]

September 26, 2008

If You Don’t Ask, the Answer is Always No– also posted in Basics, Consumerism, Credit, Free Offers, Frugality, Networking

When I was in college, I worked for several retail stores. There was always some promotion/sale going on to draw n customers. This didn’t happen often, but every now and again I would have someone pick out what they wanted and come to me asking if I could knock a little more off the price. [...]

September 25, 2008

Be Proactive With Late Payments– also posted in Basics, Credit

Several years ago I was mired in debt, in between jobs, and just at my wits end. The unemployment checks that were coming in just couldn’t cover my needs. Creditors were calling asking for there money. I was worried about eating and having enough gas to the next Job interview. I had zero savings, my credit cards [...]

September 22, 2008

What does it mean to be frugal?– also posted in Basics, Frugality

This may seem like a silly question. But stop and think about it. Websters defines frugal this way:

Economical in use or expenditure; prudently saving or sparing; not wasteful: a frugal manager.
Entailing little expense; requiring few resources; meager; scanty; a frugal meal.

For me, to sum it up it means to start using less and saving more. [...]