The first step in getting control of your debt is to actually understand and admit to yourself that you have a problem.  If you have over $10,000 in credit card debt, pay only the minimum payment or a little bit over, and your credit card interest rates are over 10% then you have a serious problem that you need to get serious about handling.  Once you realize the problem, then it is time to search out the solutions to help.

You’ve heard all of the common financial advice at least 100 times. How about a few tips that you might not have heard before? A new perspective can generate new thoughts, ideas, and actions. A new perspective might change your financial future.

Are you ready to make some positive changes to your finances? The least painless way to make a remarkable change is to make many simple changes. Dramatic results are possible with easy changes. Is this the year that you finally make significant advances in your personal finances?

Managing a credit card can really be rocket science for many people, and you're probably caught right in the middle of that category! However, if you apply some very simple tips and techniques for managing and monitoring your credit card, you'll find that it's a very workable tool.

Debt collectors are like mosquitos. They can be annoying and they’re hard to dissuade. Fortunately, there isn’t a whole lot a debt collector can do besides call you and send you mail. The Fair Debt Collection Practices Act (FDCPA) spells out the actions that a debt collector may and may not undertake in the process of collecting a debt.

Debt can keep you up at night. Reducing debt is simple, but it can take a long time and it isn’t any fun. Once you realize you have a challenge, it’s often too late to solve the issue quickly and easily. But you can eliminate your debt, strengthen your finances, and become a stronger person in the process.

It’s never too early to start building credit. If your child is in college, now is the perfect time. Your child can land a dream job, have saved several thousand dollars, but still be unable to obtain a loan for a car or a house without a solid credit history.

There are many ways to help your child build credit. A few options cost a little money, at least in the short-term. Other options are free, but carry more risk. Regardless of your situation, there are things you can do to…

Credit card companies used to market aggressively to college students. Laws now prohibit this type of activity, but getting a credit card is important for college students. Sooner or later, you’ll want to purchase an automobile or home, and you’ll either have to use credit or save for a very long time.

When you’re newly married, you’ll probably face some new challenges and might not feel that you’re ready for these new responsibilities. A lot of young couples don’t anticipate how different managing their finances can be once they get married.

A heavy debt burden is like climbing a mountain with 100 pounds on your back. It never gets any easier unless you drop the weight. Fortunately, it’s possible to live a life without any debt! Eliminating debt and staying debt-free both require discipline and patience. But the freedom you receive is well worth the effort.