The Secrets of Financial Happiness

Families experience financial challenges for many reasons including medical expenses, job loss, divorce or even marriage. The truth is, “they” want you to be in financial trouble. The more debt you are under and the more credit card payments you make, the more they profit.

It’s not your fault. You are in debt because huge corporations are rewarded by tricking you with high interest rates and late fees. Your pain is their gain!

However, a good, happy financial situation is easy. Numerous opportunities are available to you.

How to Avoid Becoming a Victim

Credit counselors and bankruptcy attorneys frequently claim they can cut your payments in half or get rid of all your debt. At best, these are empty promises and, at worst, outright lies.

These companies benefit because most people don’t do enough research before they buy. Only after wasting hundreds of dollars, consumers find out they are victims of a scam. Don’t allow yourself to become a victim; get the critical information you need to get your bills paid and start putting away savings.

Lies Exposed: Enough Is Enough

The members of the National Association of Responsible Community Lending and Investment understand your challenges. We have seen that your “slave driver” (the government, your creditors) really don’t want you to be able to pay your bills on time!

We want you to break free of the financial chains that drag you down so you can go through life without all of the worry, fear of the next phone call or frustration about not being able to take care of your bills on time.

That’s why we have created our guide for you, called The 10 Mistakes People Make That Get Them Deeper Into Debt. This guide gives you all of the information you need to get your bills paid on time and avoid all of the traps laid in your path by your greedy creditors.

Secret to Improving Your Credit Score

The single biggest factor that impacts the amount of interest you pay is your credit score. People with credit scores over 750 pay a lot less interest than people with scores of lower than 650. If you can increase your credit score by 100 points, you can pay less interest, pay more principle and get out of debt more quickly. Credit score is a huge factor in who gets richer and who gets poorer in this country.

Tax Advice: Middle Class Tax Shelters Everyone Can Use, Many Don’t

Many people lose money for years to landlords because they mistakenly believe they cannot afford to buy a home. However, in most cases, these renters are where they are only because they are unaware of all their other options. Most people know that it's better to put your money into a house that you own than into a rent check you never see again. Some are aware that mortgage payments could actually be fairly close to what they currently pay in rent.

Credit Card Debt Nightmares That Keep People Awake At Night

If you are struggling to afford just the minimum payments on your credit cards, you are not alone. A large percentage of the people you pass on the street each day are suffering under the weight of the exact same stress, concerned about upcoming (or past) due dates and an ever-increasing balance.

Debt Secrets Credit Counseling Companies Don’t Want You To Know

Most people don't know it, but a bad or shady debt reduction company can actually land you in a worse spot financially than you were in the beginning. In fact, in many cases filing bankruptcy is preferable to working with a credit counseling company. Given the amount of confusing information out there, it is critical that you arm yourself with the truth about these businesses.

Credit Card Companies Create Bankruptcy: And Then They Took That Away

Chances are that back when you first began using credit cards, the credit card companies were never shy about offering you more cards and larger credit lines. They acted this way because they wanted you to live beyond your means and take on more debt than you could reasonably pay off on a monthly basis. These companies do not make money when customers charge low amounts and pay off their balances in full; they make money when customers carry high balances and pay hefty interest rates. Then, once these same consumers are maxed out and finding it difficult to make even the minimum payment, what do the credit card companies do? They raise their interest rates even higher!

Bankruptcy Lawyer Dirty Secrets

The field of bankruptcy law has exploded in recent years, even though the process of filing for bankruptcy really only involves filling out a few forms. Misconceptions, frightening news articles, and misleading advertisements put out by many of the firms now specializing solely in bankruptcy law have convinced the average consumer that they absolutely must hire an expensive attorney in order to get rid of the money they owe.

Repair Your Credit Score

Most of our credit scores could benefit from being bumped up a few numbers. Luckily, whether you need to increase your score a great deal or only by two points, there are multiple steps you can actively take to improve your rating.