Top trips and secrets about your Personal Finance

For the most part, all of the personal finance programs share more or less the same content. Get your spending under control, call up your creditors and negotiate lower rates (or in some cases a balance reduction), adopt a very strong debt repayment plan, and kick it in the teeth. A few of the programs involve some legal manuevering in which you attempt to buy your bad debt from the creditor (and then obviously dismiss it), but the legal gamesmanship there is murky, dealing with legal nuances that are far from clearly explained.

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The Personal Finance Secrets “They” Don’t Want You to Know About 11

smarter smarter - 2 months ago
  • Spend less than you earn and get rid of bad debt and plan for the future.
  • the big difference between most personal finance books, programs, and other materials is in how they’re packaged.
  • almost all of these programs work.
  • The only real difference between most of them is in minor details - and in how they’re presented.
  • So how do I pick the best program if they’re all largely the same?
  • it can be worth your money to buy that program
  • don’t run down to your bookstore and pick up a book for help.

via thesimpledollar

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7 Secrets to Personal Finance Success

smarter smarter - 2 months ago

 

1. Stay Organized

2. Be Proactive

3. Don’t Fall Behind

4. Seek Advice if Needed

5. Be Prepared for Anything

6. If Possible, Pay Bills Online

7. Don’t Panic

via bankaholic

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10 Things Your Bank Won't Tell You

smarter smarter - 2 months ago

1. "Our branches are there to sell you, not serve you."

2. "Our fees will only go up."

3. "We change our interest rates all the time."

4. "College campuses are a gold mine for us."

5. "In debt? The courts won't help."

6. "We're excited about your trip to Europe too!"

7. "For all the fine print, we don't disclose very much."

8. "Your money might be better off elsewhere."

9. "When it comes to banks, smaller is sometimes better."

10. "Your online account info isn't necessarily accurate." 

via smartmoney