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text 2018-08-11 14:14
Build Yourself A Better Credit Rating




At different times in life, you may find that you’re overwhelmed by finances. Whether you’re just starting out in your career and you’ve got student debts, or you’ve recently been laid off, and you’re not able to cope with your financial commitments, it can feel like the end of the world. But it doesn’t have to be. Even when your credit rating is affected, you can work to get it back. Although you’re not going to be able to change your situation overnight, you should find that you are able to make a difference to it, bit by bit. And every step you take forwards will always make you feel better. So let’s take a look at how you can work on making things a bit better.


Stop Spending


First things first, stop spending. Well, not on everything. Feel free to pay your rent and bills and buy food, but other than that, put a hold on things for a while if you can. Although you may want to go out with friends to perk yourself up, you’re only going to make your financial situation worse. But if you’re able to stop spending, for the time being, you’re going to be able to ensure that you don’t make things any worse than they already are. And you will find this a huge relief when you realize that you’ve started to make things better.


Get Advice


Then, you should think about getting some advice about your situation. And this doesn’t always mean heading to the bank. Because you might find that looking into debt consolidation options, speaking to financial charities, or looking into debt relief is going to work out better for you. And by speaking to a debt expert, you should feel a little more confident about your circumstances.


Work On Lowering What You Can


Then, you’re going to want to start tackling those debts. Whether they’re in the hundreds or thousands, you will definitely start to feel a lot better about the situation you’re in when you try to cut things down a bit. Even if it’s only starting to chip away at things slowly, seeing those amounts decrease will definitely empower you and motivate you to make them disappear for good.


Become Credible Again


However, you may be wondering what this is going to do for your credit rating. Well, firstly, bringing down the amount you own, especially if you’re at your credit limit, will always work in your favor with credit agencies. But at the same time, you also need to work on proving your credibility. For this, why not get a loan without guarantors to help work your credit up? Because when you do have bad credit, it can be hard to get more – but you often need it to prove that you can get in the green again.


Make Payments On Time


And of course, above all else, just make sure that you make your minimum payments on time. Because when you miss payments, it can harm your credit rating. So at the very least, just make sure that you’re making your minimum payments on time. And eventually, you will see that everything else improves too.


Article Source: http://www.lebrooks.com/articles/finance-insurance/build-yourself-a-better-credit-rating

And of course, above all else, just make sure that you make your minimum payments on time. Because when you miss payments, it can harm your credit rating. So at the very least, just make sure that you’re making your minimum payments on time. And eventually, you will see that everything else improves too.
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review 2017-09-16 03:50
Book 58/100: How to Raise a Family on Less Than Two Incomes by Denise Topolnicki
How to Raise a Family on Less Than Two Incomes: The Complete Guide to Managing Your Money Better So You Can Spend More Time with Your Kids - Denise Topolnicki

This book probably had some good advice, but it was so dang boring that I couldn't really absorb much of it. I am frugal and I care about saving money, but Topolnicki's book goes a bit too much into the weeds of stuff that is a little too "economic" for me, like various types of retirement plans, college savings funds, etc. I just want to know how to pay my bills every month!

This book is fairly old, and because Topolnicki's advice is SO specific, it dated itself far more quickly than more general advice would. She gives SPECIFIC amounts that you can expect to pay for things like insurance, mortgages, etc., which doesn't do much good to a reader 20 years later, not to mention that price tags can vary widely from one part of the country to another. Also, it's super annoying that she assumes the stay-at-home parent is going to be the mom, even though she's upfront from the beginning about this assumption. And the fact that she just expects the husband to shoulder so much of the economic burden also rubbed me the wrong way -- there are several places where she suggests hubby get a second job so Mom can stay home, essentially depriving him of any sort of family life whatsoever. Following all the advice in this book might help your family financially, but it could be hell on your relationship.

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text 2016-03-27 07:27
The Richest Man In Babylon
The Richest Man in Babylon - George S. Clason

Very frequently my dad gives me books, not the books that I want, the ones that he wants me to read.
This was one of them.

I found it on my cleaning day.

When my dad gave it to me I didn't find anything interesting so I just store it, like many others.But that day it looked like the most awesome treasure!


Suddenly I had in my hand some answers to one of my problems, money.
Specifically how to acquire and maintain it; explained in one of the best ways, with parables and stories!

Stories about Babylon!
Babylon for my has always been such a magical city.

So full of intrigue I start reading it, just to find the most simple rules or lessons in a clear and encouraging language.

With so much important information I can hardly say which is my favorite part...


I guess some books are destined to meet us just when we need them.

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text 2016-03-25 17:01
The Business Of The 21st Century
The Business of the 21st Century - Robert T. Kiyosaki

Somebody told me to read books that really teach me something, he did not want me to read fantasy book, which I replied was that all the books has something to teach us even if that is only grammar and orthography.

Truly some books teach us more than others...

and thats why I decided to start reading one book of this every month.

My curiosity took me to this awesome book, which I finished in two days, I couldn't put it down!
I'm in love in the way how Robert Kiyosaki writes about economy.

It is so clear, and makes me want to read more and know more about finances... a topic that I never thought to be interested.

He objectively critical the business of network marketing, but more than that, he offers a lot of good information; Its the perfect book for making a decision or better understand the "Business Of The 21st Century".

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text 2016-01-24 03:47
Beginning January 25th: The Poor Man's Budget - 5 Week Course, Just $5 per session!
The Poor Man's Budget (Or Anyone For That Matter) Instructor's Manual: A 5 week course learning to live within your means - Ms Marilynn Dawson
The Poor Man's Budget (or Anyone For That Matter) Student Workbook: A 5 week course learning to live within your means - Ms Marilynn Dawson
The Poor Man's Budget: Three Month Journal: Identifying Income and Expenses - Ms. Marilynn Dawson

Are you concerned about the Canadian economy? Does your income seem to be disappearing faster than anticipated? Would you be interested in spending just $5 each day for 5 weeks to learn tips and tricks to better manage your household finances?

Then you'll want to sign up to take this course, "The Poor Man's Budget (or anyone for that matter): A Five Week Course - Learning to live within your means.


At just $5 per day, this course is aimed at those who are struggling with their finances. Anyone of any income bracket can take this course, because anyone regardless of income can find themselves struggling to make ends meet and occasionally feeling financially poor.

Those wishing to attend in person, can pay the entire course amount up front if you wish. $125 is the total cost of attending this course.

If you don't have that much free right off the bat, don't worry! $5 per day will be just fine as well. Students attending via the online webinar will not have the option to pay up front and will pay the $5 fee each time they access the day's webinar.

For those who might miss a day's session, the online webinars will be recorded and require the $5 fee to view.

Each student is encouraged to pick up a copy of the Student Workbook. This will cost you $6.50 + $7 S&H. Order it direct through me, the author. and you will pick up your book in class shortly after it arrives. Online students will have your book drop-shipped to you directly.

For those who like to be organized before taking a class, the Three Month Journal is also available for purchase: for $10 plus $7 S&H. If you order this book and sign up to take the course, you will be notified when the next intake is closer to the end of your three month time frame.

The sign-up form contains several choices: Your choice of what time of day would suit you best to take the course - how you wish to take the course, whether in person or online - which sum of funds you wish to pay - how you wish to remit payment. So pay careful attention to the form as you fill it out. A digital version is available here: http://songdove.fa-ct.com/wordpress-mu/songdovemusings/the-poor-mans-budget-5-week-webinar/. Your email address will be added to a mailing list just for this course, so that information requiring quick updates to students can happen efficiently. After the course is over, you may unsubscribe, or your email will be moved to an alumni list for infrequent contact from me.

So pass this course announcement around to all your friends!

NOTE: I only have room for an in-person class of up to 14 people at any given time! You have four time slots to choose from, and three of them will be worked into any given intake session. (if the 11am slot is full, the 1pm slot won't be used but if the 11am slot is empty, the 1pm slot will be used, so I can eat lunch!)

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