Getting Your Overpayment Refund
by Scott Bilker
I took out a debt consolidation loan to pay off five creditors. The loan company wrote checks directly to the creditors. The process took three months and by the time the checks arrived at the creditors my balances were less than the checks. Now a few creditors owe me because my payment was more than the balance! All but one has paid. They owe me $179.00, too much money to walk away from. How do I get the money back?
Household Math™: Early Mortgage Payoff
by Scott Bilker
Assume a person is buying a $150,000 home at a rate of 7% interest on a 30-year loan, with the usual 20% down payment (so the loan would be $120,000). This person also has $20,000 in cash reserves. In which of these two scenarios would this person end up paying less money over the course of the loan?
What is Simple Living?
by Doris Dobkins
This is a question I hear all the time, and appropriate too as "Simple Living" is one of the top ten trends of the decade. But what exactly is it?
Plugging the Leaks in Your Budget
by Nancy Twigg
Five dollars here, ten dollars there -- these little leaks may not seem like much at the time but added together, they can make a serious dent in your attempts to control your cash flow. Here are some quick reminders for stretching your dollars by controlling the most common areas of budget "leakage."
Why Not Lease?
by Gary Foreman
Is it better financially to buy or lease an automobile since it's a depreciating asset?Once you lease an auto you're much more likely to drive a new car every few years. And the first miles are the most expensive that you can put on a car.
DebtSmart Email Newsletter: 5/22/02
by DebtSmart Email Newsletter
In This Issue; Cool Stats Letter from the Publisher; Getting Your Overpayment Refund Plugging the Leaks in Your Budget; Household Math™: Loan Comparison Why Not Lease? Strangled by Debt Redefine What a Credit Card Can Do What is Simple Living? Getting Past the Idea of Budgeting and Saving Money; DebtSmart Resources; Subscribe/Disclaimer Information
GETTING PAST THE IDEA OF BUDGETING & SAVING MONEY
by Gregory Thomas
I am a firm believer that the ability to save and budget is dependant on the plan and approach one takes. Sure many proclaim they want to conserve and save more, but how many actually accomplish this? Saying one thing and actually doing are completely different from one another.
Living Full Out, 100%, No Matter What
by Michael Angier
I invite you-no, I implore you-to look carefully at how you're living your own life. Where are you just going through the motions? Where are you not living full out? What would your life be like if you gave your all-to your job, your family, your community, your beliefs, to your mate? Living full out is the only way to really live...