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How to Use Debt Consolidation to Get Out of Debt Faster

How to Use Debt Consolidation to Get Out of Debt Faster

The mirth and merriment of Christmas are very much upon us, with the big day now getting very close. It’s a time of laughter, fun and special times with friends and family – just as it should be. Yet with the unrelenting social activities that come with it, costs of buying presents and other wallet drainers, there is no doubt that the holidays can put a strain on anyone’s budget, and maxed-out credit cards are hardly unusual by the time January dawns.

But instead of using the festive season as an excuse to exacerbate your existing high-interest debt, why not see it as the time to take action, and eliminate it instead? The path to becoming debt-free isn’t as arduous as it may seem, and with a combination of self-discipline and some clever strategic thinking, you can start getting yourself very much on track.

6 Ways to Save Money in Your Office by Going Green

6 Ways to Save Money in Your Office by Going Green

Going green is certainly the buzz in business today, but as a busy owner or employee, it’s easy to push it to the side because you have enough on your plate. As if you needed one more thing to manage, right?

The good news is, going green in your office doesn’t have to be an “all or nothing” endeavor. This is something you can implement over time.

How to Find That Perfect Job

How to Find That Perfect Job

A sitcom television show once marveled that it was amazing that the universe contained hundreds of thousands of different types of jobs, and yet there was someone out there willing to fill every different one.

This sounds pretty level-headed coming out of the mouth of a comedian. But in the real world, the odds are against you. It has been long reported that our feelings about our jobs are extremely negative, overall. In a 2013 survey conducted by Gallup, 70 percent of 250,000 people interviewed – including part time and full time workers – said they hated their jobs. Only 30 percent said they actually enjoyed their jobs and their bosses, according to the Daily News.

7 Ways to Save on Heating Costs This Winter

7 Ways to Save on Heating Costs This Winter

Winter is coming (if it hasn’t already arrived), and with it come lower temperatures outside and higher bills at home.

Fortunately, there are a few things you can do that will help you save big on your heating bills, many of them for free.

These tips will help you on your heating costs – without a huge investment of time or money.

5 Ways to Make Some Extra Cash

5 Ways to Make Some Extra Cash

These days, it’s always useful to have some extra money on hand. Whether for short-term pleasures like an extravagant meal out, or buying a new dress, or more long-terms investments like saving for education, or planning for retirement (especially if you’re planning to retire abroad), extra cash is ALWAYS welcome! Most people rely on company bonuses, or working overtime to make more money. In addition to these, there are a whole bunch of things you can do (in terms of skills you can acquire and opportunities you can take advantage of) that will help you effectively supplement your regular income. Considering holiday season is right around the corner, and spending tends to be high, it is worth taking a look at what you can do to make some extra cash. Here are a few ideas:

10 Tools to Be a Productive Student and Fight Procrastination

10 Tools to Be a Productive Student and Fight Procrastination

Fighting procrastination is not only important for your studies.

You are going to be distracted throughout your life.

Marketing companies spend their working week finding new ways to distract you.

Here are a few productivity apps that will help you right now in the moment, and they will help you get into the habit of fighting procrastination.

3 Steps for Finding an Investment Broker

3 Steps for Finding an Investment Broker

Every Monday banks or credit unions release a rate sheet that define the annual percentage rates for all of their products and services.

The interest rates have definitely seen better days and many people worry if they will ever actually be able to retire.

As hope for the future darkens, people then seek out other avenues in order to make their work just a little bit harder.

With the stock market many people are choosing to place their money more at risk in order to gain a higher rate of return. However, many people do not know where to get started.

The Effects of Minor and Major Derogatory Credit Delinquencies

The Effects of Minor and Major Derogatory Credit Delinquencies

In the lending industry, free credit scores and credit scoring systems have become universal.

As technology advances and becomes more commercial, such as the public debut of the 1989 FICO credit scoring model, scoring tools have started to overtake traditional underwriting process in the world of lending. Companies like Credit Sesame have been founded to help the public gain a deeper understanding of their financial standings by offering free credit scores, reports, and tracking.

While there are definite benefits to this new takeover, there remains to be widespread misunderstanding of what actually affects your credit scores. One of the top suspects: late payments.