Credit Card Debt « Laurie Blake .com

By: Laurie Blake  09-12-2011
Keywords: Holiday Shopping

Credit Card Debt « Laurie Blake .com

Countless “experts” are eager to tell you how to do your holiday shopping.

Countless “experts” are eager to tell you how to do your holiday shopping.

Some of their tips are obvious: Set a budget. Some tips only help stores: If there’s someone on your list who doesn’t need anything, buy a gift card. Some are useless at this point: Shop throughout the year.

We’ve cut through the noise to offer some warnings, workarounds and hints that actually are helpful.

Keywords: Holiday Shopping

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Employee Credit Counselling « Laurie Blake .com

If your credit history will still allow you access to credit, a consolidation loan can help you lower your payments by hopefully getting a lower interest rate than you are presently paying as well as spreading your payments over a longer period of time. The essence of insolvency is to “rehabilitate” the debtor to start a new life without debts. A proposal is made through a trustee in bankruptcy and the rules are very simple.


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Mortgages « Laurie Blake .com

Since they can qualify for more home, many people find this mortgage appealing; however, as many homeowners learned in the economic downturn, if your rate adjusts higher or you lose your job, your payment can quickly become too much for you to afford. Reverse Mortgages A reverse mortgage is when a homeowner borrows against the equity in their home and obtains monthly, tax-free payments from the lender.


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Articles « Laurie Blake .com

Don’t hesitate to cancel a transaction at a point-of-sale terminal if you discover you will be charged a fee for using your debit card, or if you feel that the fee is not appropriate. You may be able to use another means of payment, such as cash, cheque or credit card, or you can take your business to another merchant who doesn’t charge for this service.


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Saving « Laurie Blake .com

Some tips only help stores: If there’s someone on your list who doesn’t need anything. Countless “experts” are eager to tell you how to do your holiday shopping. Some of their tips are obvious: Set a budget.


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Services « Laurie Blake .com

Any amount above the Standards set by the Superintendent of Bankruptcy is called “Surplus Income” and half of this must be paid to the trustee for your creditors for nine months, provided there is no “surplus income payment obligation”.