Your Debt Story Here!

Aug 19, 2019 by

I’m collecting ‘debt stories’ for publication on Money Counselor through a regular series. Do you have a story, whether good, bad, or ugly?

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Walking the Debt-Free Talk

Aug 12, 2019 by

You say you want to be debt free. But do you really? Check these 13 telltale signs of failure to walk debt repayment talk!

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Forget About Retirement

Aug 4, 2019 by

I vote for retiring the word “retirement,” as it’s traditionally been used: The period of time beginning with leaving paid employment and ending with death.

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How I Justify Organic

Jul 29, 2019 by

I’m not too poor but I am too cheap to buy only organic food varieties. Here’s how I decide when to buy organic.

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3 Money Ideals to Live By

Jul 22, 2019 by

Live with these 3 key money ideals always in your mind, and you almost can’t help but be successful and reach your goals.

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Payday Loans for Dummies

Jul 15, 2019 by

You’ve probably heard of so-called “payday loans.” But do you really know how they work and why they’re a financial death trap?

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Pay Rent with a Credit Card?

Jul 8, 2019 by

In case you woke up today thinking “wow—I’d like to raise my own rent 2.75% today,” here’s a most excellent way to do it.

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“Be Debt Free!” Ex...

Jun 24, 2019 by

Check out this motivational excerpt from the Money Counselor Simple Guide, “Be Debt Free: the Simplest, Fastest System to Kill Your Debt”.

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Are You Quietly Desperate?

Jun 10, 2019 by

If you feel like you’re on a financial treadmill at a 10% incline and making no progress toward your goals, this article is for you.

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SEP or Roth IRA?

May 27, 2019 by

Are you self-employed (a freelancer)? Then you may be able to build a retirement fund far faster contributing to a SEP IRA instead of to a Roth IRA.

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How to Tap IRAs Early

May 20, 2019 by

You’re years from that magical age 59-1/2 when the IRS would stop penalizing you 10% for an early withdrawal, but you’re itching to get at your IRA nest egg. There’s an option you may not know about: Substantially Equal Periodic Payments.

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Pay Off Debt or Invest?

May 13, 2019 by

“The numbers” would seem to argue for investing instead of pre-paying low-interest debt. But most anyone who’s debt-free will tell you that there’s a lot more to the story.

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Our 3 Best Money Choices—#1

May 6, 2019 by

Like everybody, Ms. Money Counselor and I have made good financial choices and bad. Let’s explore the good first and maybe ignore the bad.

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100 Words for Better Credit

Apr 29, 2019 by

If your credit report is tarnished, you’ve got the right to add a 100-word statement of explanation or argument.

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Bad Credit? No Problem!

Apr 22, 2019 by

Tempted by an ad or offer guaranteeing a loan or credit card regardless of your credit history? Watch out: you may be looking at an “advance-fee loan” scam.

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Whoa! A 25% Car Loan?

Apr 15, 2019 by

I’m going to stick my neck out a bit here and offer a lot of opinions about a real life situation though I’m admittedly lacking...

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Do You Invent Needs?

Apr 8, 2019 by

Sometimes bargain hounds can be very creative in “recognizing” a need for an item only after its discovery on a retail shelf at an excellent price!

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It’s Not About the Latte

Mar 30, 2019 by

Do these 5 crucial steps to build your nest egg and drink all the lattes you want.

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Minimum Payments Will Cost You

Mar 25, 2019 by

Routinely make the minimum payment on your credit card and you’re just the sort of sucker credit card issuers love to have as customers.

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Rapid Rescore = $$$

Mar 18, 2019 by

Applying for a mortgage or thinking of refinancing? Be sure your mortgage lender does a “rapid rescore” analysis of your credit report.

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Can’t Pay Your Taxes?

Mar 11, 2019 by

You’ve finished your tax return, yay! But there’s just one problem: you don’t have the money to pay your taxes due by April 18. Now what?

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Can We Afford This?

Mar 5, 2019 by

I have a foolproof method of judging whether I can afford something: My wife tells me. You may not be so lucky.

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Should Humans Buy & Hold?

Feb 25, 2019 by

Can an investment strategy work in practice that requires regular decision-making and market assessments from an inescapably emotion-laden human with his or her own money at stake?

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Handling a Money Crisis

Jan 20, 2019 by

What would you do if a family wage earner were unexpectedly laid off? Panic and paralysis is normal for a day or two, but then what?

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