Credit repair tips by Dominique Brown.

Friday’s Credit Tip #22: General Good Financial Habits Build Good Credit Scores

Your credit score in some ways is meant to be a snapshot of your overall financial habits, especially your habits surrounding debts and other financial responsibilities. Developing some good financial habits can help your credit score by putting you in a good financial position. Good financial habits will ensure that you don’t get into too much debt and that you are able to meet your financial duties easily. Some financial habits are especially credit-friendly.

Everybody experiences debt at some point in there lives--but how bad it will be and how quickly you'll get out depend on avoiding bad financial habits!

The 5 Worst Habits That Will Get You Into Debt

It has happened to the best of us: At one moment your finances are fine and the next you find yourself in debt. Often a small debt is easily taken care of, but it is important to avoid those habits that get you into debt in the first place, so you don’t find yourself in serious trouble.

Many folks are struggling with "under water" mortgages, even if the worst of the Great Recession is done. Let's talk options: short sale versus foreclosure.

When You Should Opt for a Short Sale versus Foreclosure

Although the 2008 financial crisis is an event that has largely faded from the consciousness of many Americans, its aftermath is very real to a large swath of homeowners, whose struggle with monthly mortgage payments and “under water” home valuations continues … unabated.  Today I will examine the 2 worst scenarios and share thoughts on short sale versus foreclosure options and when these courses of action make the most sense.

Credit repair tips by Dominique Brown.

Friday’s Credit Tip #21: Look Out for Credit Repair Scams

You will find that there are a number of credit repair scams out there, and these scams often promise to help free you of bad credit, when in reality the “experts” offering these services will overcharge you, involve you in illegal activity, or actually put you in a worse financial situation. Look out for these most common scams.

When you're on a tight budget, you probably aren't thinking of building your savings. Learn how to stay on budget and make space for the future!

Saving on a Tight Budget for 2015 and Beyond

Saving money is especially hard when your income is low or your necessary expenses high. Living on a tight budget in general can cause stress, fatigue and financial insecurity, which in turn will lower your quality of life.

Thankfully, there are always ways to improve your financial situation, by either cutting on expenses or finding new ways to increase your income. Here’s some expert advice on how to increase those savings:

Are you considering trading in your current vehicle in 2015? Learn more about the lease versus buy debate!

Buy vs. Lease—a Contrarian View

Misconceptions abound in the lease versus buy debate. Conventional wisdom suggests that leasing is the least expensive alternative. However, that is a generalization and like many broad-brush statements, following it as gospel will not serve you well.  In the following paragraphs, we’ll give you the contrarian view and tease you with possibilities you might not have considered.

Credit repair tips by Dominique Brown.

Friday’s Credit Tip #20: Look Out for Credit Repair Companies

Many companies out there advertise that they can help you with credit repair, but the quality of these services, not to mention what they offer, varies widely. Some companies really can help you with credit repair while others are actually under investigation for suspect business practices. If you decide to seek help from a credit repair company, be sure that the company is legitimate and offers you viable services.

Image courtesy of Stuart Miles/

Young Companies Can Get Business Finance

Setting out on a new business venture is always daunting; no matter how experienced you might be in the respective business sector. There are so many things to consider and one of the most important is finance. After a successful launch there is still plenty of work to do; there is no room for complacency. There is certainly more consumer confidence in the UK now and even though some financial institutions have become more conservative since the recession, there are others that are prepared to lend even against a short business history that indicates that a loan is secure.


10 Money Saving Tips to Lower Your Grocery Bill in 2015

Everyone has to eat! While no one has ever died from being deprived of a Starbucks’ Caramel Brulée Latte, plenty of folks will suffer life threatening health consequences from poor diet. The brutal fact is people on the short end of the income stick suffer the most.

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