BE DEBT FREE

The holidays come with a lot of social pressure. People want to give gifts to their friends and families. They feel like they need nice outfits for religious ceremonies or office parties. There may also be pressure to travel or to host family members at their homes. All of that adds up to a lot

A successful bankruptcy filing can benefit an individual in numerous ways. The automatic stay will stop pending lawsuits, repossession efforts and other collection activity. The eventual discharge of your unsecured debts will prevent future collection efforts on those debts. The trade-off for those benefits is that filing for bankruptcy will drag down your credit score

Credit cards are a handy financial tool as long as they’re used properly. You should ensure that you’re able to make the monthly payment when you charge things. Unfortunately, you can’t see into the future, so you never know what’s going to happen. For some people, an unforeseeable event leads to their not being able