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Money Mistakes

August 3, 2006 by Leave a Comment

Great words of wisdom from Dave Ramsey:

Money Mistakes

The best thing to do with your money is common-sense stuff. If you can’t afford something, don’t buy it. Save up money for big purchases and that inevitable rainy day. Live on less than you make. Sadly, most people fall into some common traps and mistakes when dealing with finances.

Here are some of the biggest (and most common) money mistakes. If you don’t make these mistakes, your chances of winning with money will skyrocket.

Thinking of "budget" as a dirty word
Charging purchases instead of paying in cash
Procrastinating on creating an emergency fund

I am a big fan of Ramsey and believe in what he says. for more check out his site. https://www.mytotalmoneymakeover.com/index.cfm?intContentID=5045

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Filed Under: General News

Credit Score Seminar

August 2, 2006 by Leave a Comment

I found this online, and I can’t vouch if it’s good or not. I may check in on Saturday and see what they are up to… Check them out here. Sounds like they maybe using this free credit repair site as a way to up sell mortgages. so take their info with a grain of salt.

“Raise Your Credit Score” Seminar to debut

Broken Credit, LLC will debut its free online seminar titled “Raise Your Credit Score” in July.  The seminar is approximately thirty minutes in length and will be streamed at 12:00 noon on Saturdays.  The seminar is free; however, advance registration will be required.

Some topics that will be discussed:

(1)  Why errors exist on credit reports

(2)  How to obtain a copy of your free credit report

(3)  The proper way to dispute inaccurate items

(4)  How to re-age a derogatory account to delete the derogatory history

(5)  How to remove collection accounts from your bureau

(6)  How to improve your credit score even if you have no bad credit

This free online seminar is for anyone who desires to improve their credit score THE RIGHT WAY.  Broken Credit, LLC has seen a tremendous need for the general public to have this information and it is our great pleasure to bring this seminar to you for free. 

For those of you who will be buying or refinancing a home, this free thirty minute seminar could make your dream of homeownership possible and save you tens of thousands of dollars in interest!

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Filed Under: credit repair

10 Bad Credit Habits

August 1, 2006 by Leave a Comment

10 bad habits that lead to debt disaster

I found this article on MSN written by By Leslie Hunt, Bankrate.com
This is Dave Ramsey! She basically took his baby steps and re-wrote them. If you follow Dave Ramsey at all everyone of these steps should look familiar to you. She even uses some of the same terminology, "emergency fund"…

Bad Habit No. 1: Misusing balance transfers
Bad Habit No. 2: Not checking credit reports — you can’t change them anyway.
Bad Habit No. 3: Failing to alert creditors about a financial hardship
Bad Habit No. 4: Thinking of ‘budget’ as a dirty word
Bad Habit No. 5: Using retail store credit cards to make use of discounts
Bad Habit No. 6: Procrastinating on creating an emergency fund
Bad Habit No. 7: Paying bills in no particular order
Bad Habit No. 8: Charging purchases instead of paying in cash or with a debit card
Bad Habit No. 9: Making credit payments late
Bad Habit No. 10: Making the minimum payment only

If you would like to read the story in full click here.
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Filed Under: credit repair
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