How My Wife and I Lived on $2,000 Per Month for 3 Years During a Financial Hardship

Hello! Today, I have a guest post from Dave at The Dollar Blogger. Dave lost his job, and then 2 weeks later his wife was laid off. This is their story of how they got by, their sacrifices, strategies, and more. I’ll be honest – I’m not one for excessive frugality. I wouldn’t consider myself […]

The post How My Wife and I Lived on $2,000 Per Month for 3 Years During a Financial Hardship appeared first on Making Sense Of Cents.

Financing Furniture- A Disaster Waiting to Happen

Offers for financing furniture are everywhere these days. You’ll see commercials on TV, offers in stores, signs on streets, and more. I see them all the time, and I can’t believe the “deals” they are promising people. To be honest, I have never once seen a good deal on furniture financing. I’ve seen offers for […]

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A Bill Was Sent to the Wrong Address and Is Now In Collections: What Do I Do?

For many people, a call from a debt collector about a past due or delinquent account with no prior communication may signal that they’re dealing with a debt collection scammer. If you haven’t received any of the letters they say they sent—or didn’t know the debt existed in the first place—you might assume it’s not correct information. But another… Read More

The post A Bill Was Sent to the Wrong Address and Is Now In Collections: What Do I Do? appeared first on Credit.com.

Struggling with money anxiety and finding balance

On Saturday evening, I had a chance to chat with my friends Wally and Jodie. You might remember them from a reader case study from last August. They’re the couple that wants to get their finances in order but they’re worried because they’re starting with less than zero.

When we chatted in August, Wally and Jodie had over $35,000 in debt. They had variable incomes, but somehow seemed to spend exactly what they earned — about $3000 per month after taxes. Worst of all, they were behind on some payments.

Now, eight months later, their situation has improved.

1099-C: What You Need to Know about the Cancellation of Debt Tax Form

From early January to mid-February, you might receive a number of tax documents in the mail. They can range from expected W-2s from your employer to forms about mortgage interest you paid. One form that many people don’t expect is the 1099-C. Discover why you would receive such a form and what the IRS expects… Read More

The post 1099-C: What You Need to Know about the Cancellation of Debt Tax Form appeared first on Credit.com.

What is a Judgment?

A judgment is an order issued by a court of law. When you borrow money, you are legally required to repay the debt. This includes opening a credit card account, getting a line of credit from your bank and obtaining financing for a big purchase. You can also become indebted to service providers. This can… Read More

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