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Archive for the Get Out of Debt Category

Problems with Debt & How to Get Out of It

Eliminating all non-mortgage debt should be one of your top financial goals A lot of debt spells disaster for most people’s financial plans, and it should be avoided at all costs. These are the top 8 reasons why having a lot of debt can be harmful:  Debt works against wealth building: High interest loan payments… Read More »

A Basic Review of Debt

The concept of debt management is especially important today as Americans are saving less and are further in debt than at any other time in our history. Let us explore what debt is, when it is good and bad, how to get out from under its bondage, and what the consumer should be aware of.  Loans Defined–An… Read More »

Are the Educated Smarter With Finances & Debt?

A new study shows that prior to the current economic crisis, it was the highly educated people that were more inclined to have unmanageable levels of debt. The percentage of Americans with more than 40% of their income going to debt payments increased from under 15% in 1991 to 27% in 2008. You would think… Read More »

When to Pay off Your Mortgage

There is quite a bit of miss-information when it comes to whether someone should pay-off their mortgage. On one hand it is wise to have as a goal to someday have a mortgage free home, especially as one enters the retirement years, and minimizing of cash flow and simplification are goals. Many people wonder if… Read More »