Author Archives: Chris

You Paid Off Your Debt, Now What?


So, you spent the last year or 2 working hard, watching every penny and you’ve paid off your debt. It’s been a long slog, but you did it!!! You should be tremendously proud of yourself for this accomplishment cause now you’re well on your way to financial freedom. For some, that may have been their goal, and that’s great.  That alone is reason enough to do it.  Think of the pressures of debt being lifted of your […]

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Lending Loop Review

Lending Loop

I don’t work for or receive anything from Lending Loop. I just really like their platform and think they are a solid company, so I want to promote them. Any time you see Lending Loop (referral link), it is, as you can imagine, a referral link. If you us the link and lend a total of $1,500 then we each get $25 added to our accounts. Quick Overview I’ve been using Lending Loop as part of my […]

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Using Money Wisely

Personal Finance

Today’s post is my take on using money wisely. In today’s economic climate it seems that fiscal responsibility has been thrown to the wayside.  Cheap credit for everyone, decent paying jobs and the instant gratification mentality really seems to have put us all in a very precarious position.  Couple this with peoples’ lack of desire to learn about finances (as boring as it may seem) and even governmental policies (waaaaay more boring even)…and now we have a […]

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10 Ways To Reduce Your Monthly Expenses


In this day and age, it seems that prices are always inching there way up but our incomes are never keeping in step.  If we’re not careful we can easily find ourselves in the red by the end of the year and not really understanding why.  You may not be able to get any extra income right now, but here are some ways to reduce your monthly expenses. After oil prices hit there low a couple of […]

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Nonprofit Debt Relief Companies

Consolidation is nothing but the process of negotiating the rate of interest that will ultimately determine by how much the borrower’s payments will be reduced and what his overall settlement will look like. So any money above and beyond your normal payment is applied solely towards the principle of the loan. There are numerous types of debt, including basic loans, syndicated loans, bonds, and promissory notes. Debt, especially large sums of debt, can also be secured through […]

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Why Should I Consider Debt Relief

There are a number of benefits that would come from utilizing debt relief and their associated programs. These benefits can be broken up into a number of different fields. There are psychological, fiscal, educational and long-term benefits that can be had by enlisting the help of a debt relief program. Psychologically, individuals can be under an incredible amount of stress when they are in debt. The more indebted a person is, the more stress they are likely […]

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Will Debt Relief Affect My Credit Rating

Debt relief will affect an individual’s credit rating. It is important to note that the more debt an individual has, the lower their credit score is likely to be. While debt relief can negatively affect an individual’s credit rating in the short-term, it is important to note that a person’s credit rating would almost always be much lower by holding on to their debt than by using the resources available within debt relief programs. By learning exactly […]

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Is A Christian Debt Relief Consolidation Company A Better Option

Many practicing Christians and others who do not subscribe to the Christian faith may have grave reservations when it comes to the idea of a Christian company that offers debt relief consolidation. Christian debt consolidation companies take the stance that their services are not only permitted by Biblical precedent, but that they are also some of the only companies that can be fully trusted in a situation where a consumer finds himself in need of debt consolidation. […]

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Valuable Tips On Debt Relief Loans

Debt relief loans are normally considered a near-last resort as well as a ‘financial savior’ for those whose time and attention is preoccupied by the stranglehold of debt. Loans themselves really should be reserved for emergencies as a source of acquiring money, but reality frequently tells us otherwise. There are many different kinds of loans available to us, and the average American takes out 2-5 loans over the course of a lifetime. This demonstrates that loans have, […]

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Why Most Programs Have A 75% Failure Rate

Debt consolidation, equity loans, credit counseling, debt management plans, even Chapter 13 bankruptcy ? it doesn’t matter which of these debt programs you’re talking about. They all suffer from one fatal flaw, the number one problem that causes most people to fail at eliminating their debts through these techniques. Can you guess the problem? It’s probably not what you’re thinking. It’s not the fees, interest rates, or the quality of the companies behind these debt solutions. No, […]

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