No one can argue that college costs have become exorbitant. Even during the recent recession, schools continued increasing tuition. Student loan repayments are thus taking even longer to pay off, as college graduates are having trouble finding a decent job, or any job at all.
Amidst this gloom and doom, there is some positive news. President [...]
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Archive for the ‘Debt Reduction’ Category
Income-Based Repayment Plans for Student Loans
Written by Lisa White - Leave a Comment
Published on February 2nd, 2012 - Leave a Comment
Filed under: Debt Reduction, Education
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Filed under: Debt Reduction, Education
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Make the Most of Your Pay Raise
Written by Hank Coleman - 6 Comments
Despite high unemployment and lingering financial turmoil from the recent recession, American workers continue to earn pay raises each year. According to the Bureau of Labor Statistics, the typical worker earned an average pay raise of 1.9% last year, and they are on tap to earn a similar raise in 2012.
These annual pay raises will [...]
Published on January 19th, 2012 - 6 Comments
Filed under: Debt Reduction, Planning, Saving & Investing
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Filed under: Debt Reduction, Planning, Saving & Investing
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Accelerating Your Mortgage Payment
Written by Lisa White - 11 Comments
There is not a month that goes by where I don’t receive a solicitation pushing for me to pay off my mortgage more quickly by participating in a biweekly mortgage payment plan.
You’ve probably heard that accelerating your mortgage payments can substantially reduce the amount of interest you’ll pay over the life of the loan. Even [...]
Published on January 3rd, 2012 - 11 Comments
Filed under: Debt Reduction
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Filed under: Debt Reduction
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Paying Credit Cards Instead of Mortgages?
Written by Nickel - 9 Comments
Check this out… According to TransUnion, which is one of the big three credit bureaus, credit card delinquencies are currently at their lowest level in 17 years.
Surprised? I am. Given all the tight job market, stagnant wages, and increasing food prices (among other thing), I wouldn’t have expected it.
At the same time, however, more Americans [...]
Published on December 9th, 2011 - 9 Comments
Filed under: Credit Cards, Debt Reduction, Mortgages
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Filed under: Credit Cards, Debt Reduction, Mortgages
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Payday Loans are Still a Bad Idea
Written by Nickel - 2 Comments
As if we needed another reminder, the Today Show had a piece this morning on the dangers of payday loans. They did, however, include some interesting numbers that really drive home how bad these loans can be.
For example, they highlighted a borrower named Mary who took on a $400 loan in a pinch, opting for [...]
Published on November 30th, 2011 - 2 Comments
Filed under: Debt Reduction
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Filed under: Debt Reduction
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Skip a Bill Payment for the Holidays? No Thanks
Written by Nickel - 10 Comments
Have you ever wished you could take a holiday from paying your bills? Well, be careful what you wish for. A colleague recent forwarded “Holiday Skip-A-Month” certificate from their credit union.
The accompanying letter reads:
Another year has passed and the holidays are approaching quickly. To help you make the most of the season during these tough [...]
Published on November 11th, 2011 - 10 Comments
Filed under: Debt Reduction
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Filed under: Debt Reduction
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How to Refinance Your Mortgage, Reduce Payments, and Avoid Increasing the Total Cost to Own Your Home
Written by Nickel - 14 Comments
Have you looked at mortgage rates lately? They are (once again) crazy low, with 30 year fixed rates averaging just a shade over 4%. I feel like I’ve been saying this over and over, but rates can’t get much lower than this, so if you’re looking to refinance refinancing your mortgage, now is a great [...]
Published on September 16th, 2011 - 14 Comments
Filed under: Debt Reduction, Mortgages
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Filed under: Debt Reduction, Mortgages
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Time to Refinance Your Mortgage?
Written by Nickel - 8 Comments
If you’re in a position to refinance your mortgage and haven’t done so already, now’s a great time to lock in a very low rate. And even if you have refinanced, it might make sense to refinance again.
You’ve likely heard about the “historically low” mortgage rates over the past few years, but 15-year fixed rate [...]
Published on August 15th, 2011 - 8 Comments
Filed under: Debt Reduction, Mortgages
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Filed under: Debt Reduction, Mortgages
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Dealing With a Collection Agency (Again)
Written by Nickel - 6 Comments
It’s been awhile, but we’ve once again found ourselves in the crosshairs of a collection agency. Long-time readers might recall that we were contacted by a collection agency a few years ago in relation to a medical debt that wasn’t actually overdue. In fact, that collection notice arrived less than 30 days after the first [...]
Published on August 11th, 2011 - 6 Comments
Filed under: Credit Cards, Debt Reduction
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Filed under: Credit Cards, Debt Reduction
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Are You Credit Rich?
Written by Nickel - 7 Comments
The other day, while chatting with an acquaintance, the topic of the economy came up. We talked a bit about the recent market turbulence, the debt ceiling debacle, the S&P credit downgrade, etc. He lamented that his 401(k) was taking a beating, and that this was coming on the heels of everything they dealt with [...]
Published on August 10th, 2011 - 7 Comments
Filed under: Debt Reduction, Frugality, Saving & Investing
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Filed under: Debt Reduction, Frugality, Saving & Investing
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