Matter out of place

Personal finance weblog focusing on debt management and credit card debt

My amount of Debt is Fine, Right?

Not sure whether the amount of debt that you carry is ok? Chances are that if you have to ask, you’re over your acceptable tolerances. Before you can decide whether your debt is too high, you have to consider that there are different types of debt: constructive and destructive.

My Funds-challenged Valentine

I know the routine. As February approaches, I have to start thinking about what I’m going to do for Valentine’s Day. I have a special situation. My girlfriend’s birthday is on the 5th, AND I have to do something just nine days later for Valentine’s Day. This really takes a toll on my finances. Valentine’s […]

My amount of Debt is Fine, Right?

Not sure whether the amount of debt that you carry is ok? Chances are that if you have to ask, you’re over your acceptable tolerances. Before you can decide whether your debt is too high, you have to consider that there are different types of debt: constructive and destructive.

Debt Cancellation and Debt Suspension Contracts

Debt cancellation and debt suspension contracts are the heirs to the infamous credit protection insurance policy. A credit protection insurance policy is basically a tool that credit card companies use to make more money. This type of insurance is just a pact with the credit card companies so that if you are ever unable to […]

College Loan

What is college supposed to be about? It depends on whom you ask, but most credit card companies would say college is about creating new customers and getting the students’ parent’s money. I fell into the college credit trap during my first year in school, but I didn’t get there alone. I was sixteen years […]

Need Extra Help With Debt?

Do your bills cost more than you make? Try these tips to get things back on track. Sell what you don’t need Eliminate the things that you don’t use first. Anything that you haven’t touched in a year should go. Don’t forget to go through your closet to get rid of those old clothes. Vintage […]

Kill Your Debt

So you have decided that you want to get out of debt? Maybe you just read “My debt is fine, right?” and figure that it’s time to do something. Well congratulations! You have already done the hardest part. Or, as they said at the end of every G.I. Joe cartoon, “…and knowing is half the […]

Making Old Debt New

As you may know, most negative marks don’t stay on your credit for more than seven years. In fact, I think that only bankruptcy will remain on your credit report for ten years. This means that if you had the same kind of trouble I had in college, you can repair your credit as a […]

Phishing Has Nothing To Do With Phish

What is Phishing? Phishing, contrary to popular belief, is not the practice of following the alternative rock band Phish around, the way that people once followed the Grateful Dead. Phishing is a scam that involves the process of sending an email to potential victims, to try to get sensitive information from that person. The scammer […]

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