I Can Be Debt-Free!!

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A common phrase that I catch myself saying (or thinking) alot whenever someone says something negative is: “Not with that attitude.”

Those 4 words mean alot to me. It stresses how important I feel it is to have a positive attitude.

Instead of saying “maybe I can do it” you need to be saying “I can do it.” Remove all of the doubt in your voice.

For me, it means instead of saying, “Maybe I can be debt-free” I am saying “I CAN BE DEBT-FREE!”

A positive attitude can go a long way when you have goals to reach 😉

Technorati Tags: debt+free, positive+attitude

Get Out of Debt Emails

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I just checked my email, and out of 20 junk emails, I had 2 that claimed that I can get out of debt. Somehow, I got on some mailing lists. I can only expect to be on more now – LOL!!

I’ve never looked into those emails, but I have a feeling those aren’t the real thing. Remember to always be careful with your personal information. That is solid advice for anything you may decide to sign up for in your lifetime.

And another golden rule usually applies as well….if it looks to good to be true, it probably is.

Technorati Tags: debt, junk+email, personal+information

A Warning About Pay Day Loans

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You have probably seen advertisements where you can get a cash advance until pay day. These are typically called “Pay Day Loans.” You bring in prior paystubs and let them know how much you want to borrow. You get the money right there, and you have to pay it back when you get your paycheck.

Make sure you read the fine print.

The rates on these short-term loans are astronomical. Is it really necessary that you have the money right now? Is it possible to get an interest-free cash advance from your employer? Even if it is difficult to ask your employer, it is worth a shot.

Another thing to be careful of with these loans is getting in a viscious cycle where you are continually using the services because your normal cycle of pay day spending has been altered. Every time you get one of these loans you are paying a lot in interest.

Pay day loans can be great for times where you absolutely need the funds and you cannot get them any other way. Just be careful.

Technorati Tags: pay+day+loans, cash+advance

Don Knotts Has Passed Away

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I don’t know about you, but I grew up with Don Knotts. From watching him in “The Andy Griffith Show” to seeing him in “Three’s Company.” He was a joy to watch and he could always make you laugh. I also enjoyed seeing him in “Pleasantville.”

My deepest condolences go out to his family and friends. May he rest in peace.

Technorati Tags: don+knotts, andy+griffith+show, threes+company, pleasantville

Do You Know Where Your Credit Cards Are?

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A good rule of thumb is to never let your credit cards leave your sight.

One of the things that make me cringe is paying at restaurants. Most of the time, a waitress will come to the table and mention that she can take your card and process your payment. I don’t let her do that. I politely mention that I will take my card up to the register when I am ready to pay.

Often, I do get a funny look. And I don’t mean to insult the staff. I just think it is a good habit to have because you never know when your card could end up in the wrong hands.

Technorati Tags: credit, credit+cards, processing+payment

Free Annual Credit Report

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You are entitled to get a free copy of your credit report every year. Free is a great price, and something to take advantage of. All you need to do is go to the following site:

https://www.annualcreditreport.com/cra/index.jsp

After you receive your report, look through it carefully for anything that looks suspicious. If something does look fishy, get on the phone and find out more information. You may find out that it was just something you have forgotten about, but it’s better to be safe than sorry.

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Consolidating Student Loan Debt

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You see advertisements all over the place where you can get really low student loan consolidation rates. Just be careful and do your research!!

My student loans have been consolidated together. At the time, the interest rate wasn’t that low, but what it did was lump the debt together and I only had to make one loan payment a month. I really enjoyed that feature. My husband’s loans are also consolidated.

Now, why did we consolidate our loans together to have just one huge loan?? There are a few big reasons why we haven’t done that. Please note that this might not hold true for all consolidation vendors, but it did for the company our loans are through. The minute we put those two loans together, they cannot ever be separated. Now, I hope to be married for life, but things can happen. It’s not too hard to divide the checking account balance. It would be very difficult to try to split up student loan payments. So that is one reason. Another big reason is that both of our names would be tied to the large consolidated amount. If something happened to one of us, the other would be responsible for the full amount. As I understand it right now, if something happened to me tomorrow, my loan would be forgiven and my husband would not have to pay it back. That would not be the case if we combined our loans together.

Don’t take my word for everything here, because this has just been my experience. Things could be different for a company that you are consolidating your student loan debt through. Just be cautious and read the fine print.

Technorati Tags: debt, student+loan+consolidation, student+loan, consolidate+debt