You see them everywhere. Little storefronts on every corner, with bright neon signs proclaiming that it's OK if you're broke and payday is 10 days away - they can help!
Payday loans are the up and coming business to be in these days. For many it seems like an attractive deal - get an advance on your next paycheck by writing a personal check for the lender to hold, then trade cash for the...
There are multiple credit myths and rumors that surround the realm of credit reporting. Some are urban legend, and have become so widely disseminated that they are taken as gospel; others are deliberately encouraged by lenders to terrorize or cajole debtors into compliance.
The following is a compilation of the most common credit myths concerning your credit file, and the reality that all...
Poor credit means more than not being able to get that fancy Jag you always wanted. As a stay at home mom, it is more serious than paying more for auto insurance, or not qualifying for a "preferred" rate on a loan.
Bad credit can affect every aspect of your life, from your living arrangements to your job to your family. That's because the credit system was originally built on trust, and once...
Bankruptcy can be emotional and embarrassing. You may have a hard time looking your children in the eye, and feel that you have let everyone including yourself down. The main thing is to promise yourself to learn from the experience, and try to change your life so that you don't end up back in the same situation again.
If you are a low income family, and have little or no actual assets you...
If you are a stay at home mom in debt, and have multiple creditors, you may find yourself making many minimum payments each month just to stay afloat. Statistics show that an American family's credit card debt of $10,000 will take over 30 years to pay off if only minimum payments are made.
That is an extreme example, but it is clear that only making minimum payments will significantly...
If you are a stay at home mom burdened by debt, and spend most of your waking minutes worried and stressed about your financial situation, you should know that there are simple ways most families can payoff debt.
It does not happen overnight, but if you work towards this form of debt management, every stay at home mom can eventually become out of debt.
First you will need to keep a...
As a stay at home mom, it's important to fully understand our debt situation so that we can take pains to get rid of all outstanding debt in our lives, and be able to continue to afford staying home with our children.
No debt is truly "good". There is secured debt, which is acceptable, and unsecured or consumer debt, which in most cases isn't.
Most debt is unsecured, and costs you even...
Many families run on a two-income budget these days, and stress their way through each week worrying about bills, their children, missed family time and the like. What they don't realize is that both parents working outside the home could be costing them money, and running them deeper into debt.
Before deciding to take a job working outside the home, most people look at how much money they...
Who said there's no such thing as a free lunch? The truth is, there are still some places in this world where you can get truly free stuff, without working hard or paying anything.
One of these sources of free items is test drive offers. Did you know that you could go into a car dealership, test drive a car, and they would mail you something free? Everything from a steak dinner for two...
I've been a surrogate mother twice, having delivered twins as well as a singleton boy to very wonderful and deserving intended parents. I am very open about my surrogacies, and encounter all kinds of different questions from family and strangers alike.
The most common question I get is this. Is it hard to give up the baby?
Though most people cannot understand it, the answer is a...
