Blog - Debt to Zero

30 Essential Money Habits

essential money habits

Your financial health, just like your physical health, is built on dozens of small, daily decisions that eventually form habits. And while eating better and exercising more are well-known habits that will get you fit, sometimes the money habits that lead to financial health are much less obvious — though both topics can inspire plenty […]

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Getting Out of Debt: 4 Ways It Can Go Terribly Wrong

ways-getting-out-of-debt-can-go-wrong

 Debt isn’t something that can be fixed quickly. It takes time, perseverance, commitment to self-improvement and sometimes, a lot of trial and error. Unfortunately, many people fail to realize this and wind up devising some terrible plans to get themselves out of debt. So, to help you from making the same mistakes, I’ve listed four […]

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3 Dangers of Borrowing Against Your Pension

borrowing-against-your-pension

For consumers who are entitled to a steady stream of future payments, like a pension or structured settlement after a lawsuit, they may find themselves eligible for a lender offer on an “advance” lump-sum, upfront payment on that money. It’s kind of like taking out a loan on money you’ve already been promised. Since the […]

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4 Basic Steps to Repairing Your Credit

repairing-your-credit

Bad credit means dealing with higher interest rates, credit card fees, and mortgage loan rates. Let’s cover cover 4 Basic Steps to Repairing Your Credit. Unfortunately, a history of late payments, debt collections, charge-offs, foreclosure, repossession, and bankruptcy have a negative effect on your credit score. Credit problems can last 7 to 10 years. But there is something you can […]

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3 Bad Money Habits You Should Finally Kick

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 When it comes to personal finance, our habits can really make or break us. When we’re able to adopt positive financial habits, the benefits are endless: a better credit score, less financial-induced stress, a bigger savings account balance…the list goes on and on. Unfortunately, many of us have also taken on financial habits that could […]

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What Is a Good Credit Score?

understanding-your-credit-report

When it comes to borrowing money, a good credit score is everything. It’s one of the main factors lenders and financial institutions use to decide how much of a “credit risk” you are, meaning how likely is it that you will default on a new credit card or loan obligation.Credit scores is influenced by several […]

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5 Ways to Reduce Your Monthly Budget

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If you are struggling to climb out of debt or just finding it difficult to set money aside for savings, it is probably time to reevaluate your budget.While this might seem easier said than done, there are probably excess expenses you can trim from your budget without drastically changing your lifestyle. Table of Contents 1. […]

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