Lack of contentment gets a lot of people into trouble. Remember the Ten Commandments? These instructions (guidelines for good living) were etched in stone for Moses to deliver to the people. Specifically, the tenth warns of the destructive power of greedy materialism. In essence, it is telling us not to let what we don’t have […]

Only a foolish person would begin a long journey without knowing the destination. Have you ever seriously thought about drawing up a plan for your life and deliberately mapping out where you want life to take you? It may be that you have considered some New Year’s resolutions to guide you through the coming year. […]

How you used your credit in the past and the reasons for your past financial difficulties are two factors that affect your ability to get a loan. The first step is to understand whether or not you are considered a credit risk. Most lenders will consider you a higher credit risk only if your credit […]

A Change in Lifestyle To avoid getting into financial problems in the future, you must understand your flow of income and expenses. Some people call this making a budget. Others find the term budget too restrictive and use the term spending plan. Whatever you call it, spend at least two months writing down every expenditure. […]

When you have decided to change credit card companies, be sure to notify the company of your intention to cancel. Otherwise it may look like you have a lot of credit available to you and you may not get new credit if you seek it in the future. A credit report will list all your […]