Low Credit Scores Can Cost You More Money For Your Insurance Policies

A negative credit report can cost you serious money in more ways than you would probably think. It seems like a seriously unfair practice, but it is more or less legal for insurance companies to factor in your credit score when determining your insurance premiums. Auto and homeowners insurance companies are now taking a closer look at their customers' credit ratings, the idea being that consumers with poor credit are actually more likely to file insurance claims. (Pay off old bills and improve your credit scores)

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Debt Settlement, Bankruptcy, Debt Consolidation - Which Solution is Right For You?

There are many ways to get out of debt including: debt negotiation, bankruptcy, and debt consolidation. Each solution has its merit. If you are already behind on your bills you may consider debt settlement. (click for Full Story)

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Buy Now Pay and Pay Later

Credit Card companies are not your friend. They are in business to make money off of you. If you can't pay cash don't use them. Emergencies can be the exception. Buying expensive cars that you have to devote a huge amount of your time to pay back doesn't make much sense. Do you really need it or do you want it? I would rather be debt free and not have to go to bed every night and worry about how I can pay for all of the things that I owe. As a former loan officer I don't know how many people that I met with that could not buy a home because they were driving big expensive cars. It just is not worth it to drive a fancy BMW and not own a home.

It's sad but I remember talking to one couple that made less than $4000 a month and had a truck payment of nearly $1000. This didn't take into account gas and insurance. They couldn't figure out why they were broke every month. I couldn't figure out why they thought they could buy a home when they were barely making it as it was. I drive a 10 year old car with 95000 miles on it. It's paid for and runs. I'm happy. New cars are fun when you drive them off the lot, the first payment letter will cure you of that.

Alternatives to bankruptcy

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