cecilhelman.com » Debts

Save Yourself from Identity Predators

Ceci — Wed, 06 Jan 2010 15:01:25 +0000

Identity thefts are increasing every passing day. There are loads of people involved in ATM scams up to email phishing. Your personal information over the internet is not safe anymore. Therefore all the pin numbers and account information must be kept with a safe company. Also, you must deal with a legitimate company, especially when it comes to credit cards or banks. Double check the emails which require you to input sensitive information such as credit card pins. Report any incident of identity theft to your financial institution immediately.

Avoid Debts before They Start

Ceci — Wed, 06 Jan 2010 01:09:44 +0000

Usually people do not realise about their debts, until they are immersed into huge bills. There are some tips which might suggest that you’re into debts. Debt ratio, payment history and legal judgments are taken into existence for the credit score. Therefore when you notice your credit score going low, you need to be concerned about your debts. Have some savings aside. It is recommended to have funds for at least 3-6 months for survival. Lastly, your housing expenses should only be 28% of your total income. As soon as the credit card bills become unmanageable, its time for you to reconsider your expenses and form a specific budget.

Creative Ways to Pay Bills While Unemployed

Ceci — Wed, 06 Jan 2010 01:05:54 +0000

Paying bills is the toughest thing to do while unemployed. Therefore we have provided a list of tips to help you pay your bills in a creative way. Seek out newer ways to generate some extra income. You can sell off some things on eBay or also consider taking a part time job, so as to make some more money. Online job boards feature some freelancing jobs which can be helpful in times of crisis. Avoid the unnecessary expenses and get rid of the luxury services. Start off with simple things such as cutting down the number of channels on TV and then cutting off the gym membership.