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Category Archives: Debt Management

Reducing Your Interest Rate Costs

One of the easiest ways to reduce the interest rate on your loans is to shop around for lower rate credit cards or lines of credit. But always check for a higher interest rates on new purchases, a short or nonexistent grace period, or stiff penalties for late payments – fees can make your good […]

Mortgaging The Future to Pay For the Past

Getting out (and staying out) of debt is such an important part of developing your personal finances. The temporary enjoyment of the fancy meals, new clothes, vacation trips, etc., soon disappears when the bills arrive and you don’t have the money to pay them. To make up for your past excesses, you have to consume […]