Owner: Credit, Debt, Life and Steve URL:http://creditdebtlife.com Join Date: Sun, 13 Apr 2008 04:41:46 -0500 Rating:0 Site Description: No bullshit advice about debt, credit, getting out of debt, bankruptcy, credit cards, loans, debit cards, etc. Site statistics:Click here
Emotional Misfortune and Why It Makes Debt Hurt So Much 2008-04-13 02:47:47 In 1989 and 1990 my financial life swirled the bowl and went down the toilet, resulting in my personal bankruptcy. My shame and my disgrace, which I kept silent and my secret until 2000 when I got outed by a Washington Post reporter when she asked me, only in passing, during an interview if I [...] Read more:Emotional
I Want to Kill Myself 2008-04-14 06:22:01 I’ve become alarmed by the number of searches on this site by people saying “I want to kill myself”. I fully realize that money troubles are both painful and intensely intimate.
In my years as a debt expert and in helping people to find good solutions for difficult money troubles, I’ve certainly run into my [...]
Fiscal Irresponsibility Is Not Your Sin Alone 2008-04-14 05:43:23 As much as government and big business cast blame on consumers for not keeping their financial houses in good order, I’m afraid a bit of a smoke screen has been blown in front of your eyes.
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 was passed to benefit big business and punish debtors for [...]
Just Got My Credit Score Online - Wohoo 2008-04-17 03:34:53 Well in typical transatlantic fashion I am now five time zones west from my former home in the UK and wide awake at 4 AM.
I’ve got stuff to do right away, first thing will be to finish the last leg of my trip, so today I fly from Baltimore to Raleigh.
The landing at [...] Read more:Credit Score
, Score
How Not to Piss Off Your Creditors 2008-04-22 22:31:39 Sometimes debts can build up to the point that they’re overwhelming. Avoiding contact with your creditors (the people you owe money to) isn’t a good tactic, and makes them suspect you won’t pay, rather than can’t pay. It won’t go away if you cover your eyes.
When we have many debts our senses develop a [...] Read more:Creditors
I’m Tired of Playing By The Rules 2008-04-22 19:44:13 You know what, I’m tired of trying to please other people with my posts.
In the beginning of this blog I had this idea that I’d post some attractive sexy picture with each post, once a week.
At first when I started the sexy pictures, people gave me flak for doing it. And I caved. [...] Read more:Rules
Silly & Stupid Saving Money Tips 2008-04-22 13:53:06 I like to save money, who doesn’t? Well of course there are those people that spend for the obvious consumption. Then there are the bleeding edge tech spenders and the compulsive unconscious mall shoppers.
Okay, so not everyone like to save money and in the grand scale of money savers, with 10 being the most frugal [...] Read more:Money
, Saving
, Silly
, Stupid
How to Repair My Bad Credit - Cami Has a Question And Needs Your Help 2008-04-25 13:51:13 In my continuing effort to help anyone that wants advice to deal with a financial problem, Cami sent in the following question through my online form. If you have a question, you can send it in also for help.
Hi Steve,
I stumbled upon your site while searching for zero percent credit cards for balance transfers. [...] Read more:Bad Credit
, Needs
, Question
, Repair
Eos Airlines Goes Bust. Joins MAXJet in the Business Class Dead Pile. 2008-04-28 15:08:27 So a quick search about MAXJet will uncover the other articles that I’ve written about MAXJet. The irony is that the airline that offered a similar service, like MAXJet, has now gone belly-up as well.
Eos flew 48 seat 757s between JFK in New York and Stanstead, near London, England. The idea of a business [...] Read more:Airlines
, Business
Are American Farmers Getting the Shaft, Again? 2008-04-29 21:01:25 Comments by President Bush today have me left scratching my head. While he was talking about the economic anxiety people in America are feeling, I find some of the comments about farmers, puzzling.
If I’m not mistaken, the major oil companies have deflected pressure from their record profits by saying that their business is cyclical and [...] Read more:Again
, American
The Beauty of A Woman’s Curves Accentuates The Simple Beauty of a Good Idea 2008-05-11 06:32:19 If I am guilty of anything, it would be in having too many ideas and possibly being so self-righteous on some matters I fail to bend or give humble passage to allow for the populist view to pass without notice.
I have dully noted the feedback among some readers, not all posted for politeness, that [...] Read more:Beauty
, Curves
, Simple
People in Debt More Likely to Be Clinically Depressed and in Need of Help 2008-05-14 06:43:51 UK mental health charity Mind says that people with mental health problems are almost three times more likely to be in debt than those without them. New research has suggested that concerns about debt are having a significant negative effect on people’s personal wellbeing and that those with pre-existing mental health problems are almost [...] Read more:Depressed
Credit Is Absolute But Life Isn’t. Anyone See a Problem With That? 2008-05-23 01:45:35 Recently we posted an article on our UK site about mental health and debt. It had so much good information in it I’m going to repost it below.
But it got me thinking, without any safeguards for consumers that run into unexpected trouble, isn’t the very premise of extending credit in absolute terms, without allowances for [...] Read more:Absolute
, Anyone
, Problem
I’m Thinking of Suing Coke for Mental Anguish 2008-06-14 07:54:51 So for some the morning routine is a good cup of coffee. Or if you live in Seattle a triple shot double mocha lite with whipped cream. For me the crutch has always been a Coke in the morning. You get your caffeine and shot of sugar right off the bat. Usually I would drink [...]
Selling The ‘Extreme Makeover’ Home in Clayton County, Georgia 2008-08-11 07:22:04 The Extreme
Home Makeover
Foreclosure home in Lake City, Georgia
has been given a reprieve from the auction block for 30 days. As we previously reported the homeowners financed the home for 450,000 dollars and have since gone into foreclosure.
The bank has given the couple 30 days to find a buyer, but realistically unless [...] Read more:Clayton
, County
, Extreme Makeover
Impossible Is Just A Word 2008-08-11 07:19:19 Everyone, at some point of his or her life, has dreamed of being somebody special, somebody big. Who hasn’t fantasized about being the one who hits the game-winning homer? Who hasn’t dreamed of being the homecoming queen? And how many times have we dreamed of being rich, or successful, or happy with our relationships?
Often, we [...]
Eleven Real Things You Should Do to Survive a Bad Economy 2008-09-18 10:12:21 So much of what we read is all high level safe stuff about what people should do when facing tough economic times. And a whole lot of that advice is good for the masses, but what about what is best for the individual, you.
The government wants consumers not to lose confidence during tough times. The [...] Read more:Eleven
The American Consumers Nuclear Winter 2008-09-17 15:07:34 With so little time before the next presidential election it is a good time to take a quick look at some important issues that are impacting the wallets and purses of the American
consumer.
Under the Bush administration consumers were significantly harmed by unreasonable and unfair bankruptcy reforms that clearly helped big business, hurt consumers and [...] Read more:Nuclear
It Would Be So Easy To Gloat About Wall Street Failures Today 2008-09-15 15:06:02 So there I was this weekend, spending 1,600 miles on my motorcycle, enjoying the scenery but fascinated by Wall Street
news at the same time. Thankfully my iPhone is adept at delivering the latest stories to me wherever I am, even if that place is watching a sunset from the top of a mountain in [...] Read more:Today
, Wall Street
Linda Writes In And Asks “Should We Sell Our House Now Or Hold Out For More?” 2008-10-05 10:07:26 Linda wrote to me through the GetOutOfDebt.org site and asked me her question below. If you have a question that you would like for me to answer for free, just use the online form and ask me your question . “Dear Steve, Last year we put our house which is paid for on the market expecting it to sell quickly, and purchase another house with a mortgage. Our realtors say to lower the price $75k Read more:House
Judy Is Worried “Should I Save or Pay Off Credit Card?” 2008-10-04 10:06:17 Judy wrote to me through the GetOutOfDebt.org site with her question below. If you have a question that you would like for me to answer for free, just submit it online here . “Dear Steve, Should I save the amount after paying off a credit card debt or pay down another. Help please. Judy” Dear Judy, You asked a great question and one that seems easy but has different valid and possible Read more:Credit Card
In a World of Hurt Writes and Wants to Know “Should We Tell My Parents?” 2008-10-03 10:03:19 I got the question below through the GetOutOfDebt.org site from someone that identified themselves as In a World
of Hurt. Feel free to visit GetOutOfDebt.org and ask me your question, you can use an anonymous name, it’s okay. “Dear Steve, We owe $103,000 on our first mortgage, $16,000 on our home equity loan, and $17,000 in loans and credit cards. Monthly out go currently $3,500.00 inc Read more:Parents
If You Live In The Real America, Be Patriotic. Go Shopping And Run Up Credit Card Debt. 2008-10-23 16:35:51 Have you heard the stories that the government wants us to get out and go shopping to stimulate the economy? Remember after 9/11 when President Bush encouraged people to go shopping to get things moving again? Well I think the patriotic shopping argument may have gone too far now with Discover flying their America
n flag credit card . ( You can see the card here .) Every time you’d pull it ou Read more:Credit Card
, Credit Card Debt
, Patriotic
, Shopping
I Couldn’t Help Myself, I Had to Look At The Local Foreclosures 2008-10-23 15:52:14 I just wrote an article about the really high foreclosure rates as reported by RealtyTrac . That really got me thinking about foreclosures in my area so I went to RealtyTrac to find my local foreclosures , and there were a lot more than even I expected, and the economy around me isn’t bad! If you want to find a local foreclosure around you just use the RealtyTrac link and either plug in your Read more:Foreclosures
, Help Myself
, Local
College Students Sell Happiness Instead of Blood To Pay Back Student Loans 2008-10-23 13:35:51 A recent article in the Penn State newspaper disturbed me greatly. Surveys are indicating that students would rather go for a bigger paycheck over happiness, in order to deal with debts. It is one thing to seek a bigger paycheck over happiness but what these young students don’t realize is that dissatisfaction with your job easily leads you to excessive debt. When people don’t like the Read more:Blood
, College
, Instead
, Loans
, Student
, Student Loans
81,312 Foreclosures in September. More Than Just a Number. 2008-10-23 13:12:09 Well the September
foreclosure figures are out from RealtyTrac . And while we can look at the big, really big number and compare it to foreclosures a year ago that does not give a real understanding of the fear and loss experienced by over 81,000 families that month. Maybe there is some hope headed down the road for homeowners that will soon be heading into trouble. The FDIC (Federal Deposit Insur Read more:Foreclosures
, Number
Wise Investment Advice For a Down Market 2008-10-23 11:00:00 If you had purchased $1,000 of shares in Delta Airlines one year ago, you would have $49.00 today.
If you had purchased $1,000 of shares in AIG one year ago, you would have $33.00 today.
If you had purchased $1,000 of shares in Lehman Brothers one year ago, you will have $0.00 today.
But, if [...] Read more:Down Market
, Market
Young adults set to be saddled with debt for years to come - FinancialAdvice.co.uk 2008-10-22 14:06:12 Young adults set to be saddled with debt for years to come FinancialAdvice.co.uk, UK - 32 minutes ago Credit card debt and outstanding loans also seem to be at the centre of their problems and while many are suffering at the moment, this figure is set to … Click Here for Credit Card Debt Help Source: Young adults set to be saddled with debt for years to come - FinancialAdvice.co.uk
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