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Deborah McNaughton Profile and Articles
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1). Haunted By Old Debts?
Debt collectors purchase old debts for pennies on the dollar and will come after you to collect. You need to know your rights as a consumer to protect yourself.
2). 5 Ways To Avoid Credit Disaster
With higher interest rates, gas prices on the rise and increased minimum credit card payments, consumers are being hit hard financially. As a result, people are falling into credit card debt. There actions you can take to avoid credit disaster.
3). What’s the Big Deal about ARM Programs?
Adjustable Rate Mortgages (ARM) have become increasingly popular over the last few years. With the low introductory rates, people have been choosing an ARM instead of 15-year or 30-year fixed mortgage.
4). Debit Cards & Credit Cards: Know the Difference
The use of ATM debit cards has become increasingly popular for our everyday purchases. But what is the difference between your debit card and your credit card and what type of protection do you have as a consumer?
5). Prioritizing Your Bills
Many times when we experience a drop in income, it is difficult to know what bills to pay first. You must know which bills are essential to your survival and which are not.
6). Was your Wallet Lost or Stolen?
It is a scary feeling when you are unable to locate your wallet or when you find out your identity has been stolen. There are immediate steps you need to take. If someone is using your identity, you need to take action.
7). Eliminate Credit Card Debt
Credit card debt can keep us from accomplishing our financial goals. There are strategies to paying off high credit card balances and ultimately becoming debt free.
8). What Can You Buy With $5.50?
Saving money can be an overwhelming task. You know you should have money stashed away in a savings account but the process can be difficult. By cutting back wasteful spending - even as little as $5.50 a day, you can begin to create a healthy savings.
9). Control Your Spending
If you are facing a financial crisis, keeping your spending under control is the most important thing you can do.
10). Accomplish Your Financial Goals
Many of us have career, education and family goals. Goal setting is important in all aspects of life, including finances. This article discusses the steps involved in setting financial goals.
11). The FICO Score
What is a FICO score? You may have heard the term, but do you really know what it is?
12). Applying for Credit?
Applying for credit can be overwhelming. Whatever type of credit you need, whether you need an auto loan, mortgage, credit card or line of credit, always be prepared and do your research.
13). The Truth About Pre-approved Credit Offers
Do you receive numerous credit card offers in the mail on a weekly basis? Many of these offers say that you have already been pre-approved. Don’t get too excited when you get the pre-approved credit card applications.
14). Refinancing to Pay Off Debt
Debt can be overwhelming. If you have high balances on your credit cards, it may feel as though you will never be able to get out of debt, especially with high interest cards. Refinancing is a great way to pay off your debt. You can use the equity in your home to pay off those high interest debts.
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