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Worry About Money Not Your “Image”

Get your head out of your ass, you can’t afford that!!! Haven’t you ever wanted to just grab someone by the shoulders and shake them like a rag doll while screaming that phrase in their face? I know I have…plenty of times, and even more often lately. Whether it’s a family member, friend, co-worker, client or whoever, there has to have been at least one or two times where someone just blew your mind with their thoughtless, reckless, or even ignorant attitude toward spending. Forget about failing to budget, or the fact that they use a credit card instead of cash, I’m talking about the person who is months behind on their bills yet continue to spend on “frivolous” things like they have and endless supply of money (with frivolous being a subjective term of course).Keep going…

Prepaying Expenses May Not Be Your Best Option

The way things are going these days, it seems like every family and business is re-evaluating its spending in an effort to trim the fat and add more to the bottom line. Businesses cost savings are coming from cutting payroll or looking at cheaper alternatives to current expenditures. Individuals are cutting out what they deem as unnecessary entertainment, taking steps to reduce energy costs, and reducing housing costs. Both groups are even looking to prepay their regularly occurring expenses in an effort to get their spending under control, even if there is no, or minimal discount involved in doing so. Unfortunately, when it comes to prepaying expenses, even if you do get a discount, the benefits are far outweighed by the drawbacks. And, in truth I was only able to come up with two really strong (well one really strong and one that’s just ok in my book) reasons to go ahead with a prepayment plan but 5 even stronger ones against it.Keep going…

Foreclosure Alternatives Troubled Homeowners Should Be Aware Of

Photo credit: © IM Coach

Even with government programs such as the Home Affordable Refinance Program and HARP 2.0 refinance programs, people are still having trouble keeping up with their mortgage payments while the housing market remains a mess. Because the real estate market is still fairly shaky in many parts of the country, lenders are better off keeping homeowners in their homes rather than foreclosing on them when financial concerns result in difficulty making payments. This is especially true when you consider the fact that banks make their money in real estate by loaning money, not taking and holding properties or auctioning them off for less than they have owed to them. There are several options that homeowners have that can prevent foreclosure and it may even be possible to obtain such relief even if the lending institution has already started foreclosure proceedings.

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