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Cheap Christmas Gift Ideas
Now that the biggest shopping season of the year is in full swing it might be a good time to create a holiday budget. Im sure there are lots of names on your list, but hopefully you can find gifts that wont put a big dent in your pocketbook. Ive come up with a few good ideas that might help.
Make your Own. Everybody loves a homemade gift. It means that you really put some time and thought into it. You can make your own bath salts, bubble bath, brownie mixes and more! Choose an inexpensive jar, add a ribbon and youve got a really cool gift that didnt cost a fortune. You can find the recipes to these homemade gifts here: Pioneerthinking.com And Ive got some homemade stocking stuffer ideas here: money-saving-tips.blogspot.com
Its probably too late to start this idea for this holiday season but you can plan ahead for the next. After Christmas is one of the best times to buy gifts. Almost everything is marked down-sometimes as much as 50%. So create a list for next year and hit the shops after Christmas!
If you have a talent share it with others. You could give "gift certificates to those on your list. Do you play the piano Offer free piano lessons. Are you good with kids Offer free babysitting for a day. Are you well organized Offer to clean someones house. Do you work on cars Offer a free oil change. These gifts cost no money to give but could be some of the most well received gifts!
You could take the above option a step further buy using your services to barter for a gift. If your neighbor sells candles and you would love to get two or three for your sister-in-law maybe you could barter your services. Offer her a free night of babysitting. Or maybe theres a gift in your closet that you recieved last year that you got one too many of. Offer that to her in exchange for a candle.
Remember the holidays arent about buying the most expensive gifts. They are about sharing traditions and making memories with those you love.
Warning: Todays "Non Profit Credit Counselors" Are Yesterdays Bill Collectors!
Heres a dirty secret, todays "non profit credit counselors" are often just front organizations paid lucrative commissions by creditors to keep consumers from declaring bankruptcy!
Rebuild & Keep Good Credit Ratings by Understanding Your Credit Cards
SECURED CREDIT CARDS
Youre not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming.
Debt Relief From Debt Consolidation
If you are up to your neck in debt, there may seem like there is no relief in sight. In fact this is not necessarily the truth. There are ways to take all of your stifling bills and roll them up into one neat package by using debt consolidation in two very popular forms Home Equity Loans, Refinancing Loans, and a Consolidation Credit Card. All of these instruments provide the debtor with one thing “relief” from the current debt by shrinking it down to a single manageable debt.
Life After Debt – Strategies for Dealing with Problem Debt
Honorably and ethically rid yourself of burdensome debts using the little known Negotiation Strategy, without having to experience the loss of control and privacy associated with filing for bankruptcy, consolidation, or credit counseling.
Debt Recovery Can be Easy
OK, so you are up to your head in debt.You are stressed out, it is now affecting the way you function and absorbing most of your daily thoughts.You have no idea what to do.
Reducing Debt Before Its Too Late ... How To Avoid The Pitfalls Of Creeping Debt
Reducing debt usually isnt a high priority for people until they have already gotten into trouble with overspending. Using a few basic guidelines, and debt calculations, can help you see when your debt load is getting into the danger zone.
How Will Check 21 Affect You
You may already be familiar with Check 21, a federal law that goes into effect on October 28, 2004. If youre like me, this may be something you hadnt heard about until just yesterday. The Check Clearing for the 21st Century Act, otherwise known as Check 21, is the process of turning the checks your write into images and transmitting them by computer.
Top 10 Things to Consider on Home Loans
Here are our Top 10 most important things to consider when shopping for a Home Loan, Equity Line of Credit, or Refinance, courtesy of LoanResources.Net:Down-PaymentFixed Versus Adjustable RateAPRLoan TypesLoan Amount Qualification, IncomeLoan Amount Qualification, ExpensesEmployment and Credit HistoryPointsSub-Prime LoansShort-Forms
Online Mortgages in 5 Easy Steps!
Were all entitled to the opportunities and benefits of home ownership. But because most of us arent loaded with cash, we must find banks and lenders to assist us with finance.No matter what your credit history is, or what your circumstances are, the internet has now made this process a billion times easier.This article will outline a 5 point plan, to assist you in your pursuit of financing online:
Save Money On Your Grocery Bill
Weve all heard about certain ways to cut your grocery bill like avoiding the grocery store when youre hungry, using coupons on double coupons day, and buying only the items on your list.These are all good tips and we should keep using them.However, Ive found a few pointers that might help you save even more on your grocery bill.
Whats The Truth Behind Your Finances
Between 15 - 20% of people in our country UK own there own businesses. This statistic is on the rise thanks to the incredible invention of the Internet. The staggering truth is that of these only 5% are genuinely financially free! You may well see lots of expensive cars driving on our roads and big houses inhabited by the seemingly wealthy, but these houses and cars are not yet paid for.
8 Point Checklist, Evaluating Online Vendors
Rebuild & Keep Good Credit Ratings by Understanding Your Credit Cards by David Hall
Secured Credit Card is similar to a prepaid credit card since the funds you are using are actually yours and not the issuer of the credit card. Generally people who apply for secured credit card or prepaid credit card are people with poor credit or unemployed. Prepaid Credit Card spending limit is the amount of money you loaded to the card. There are no interest or finance charges on a prepaid card. With secured credit card, your credit line could be from 50% to 100% of your deposit depending on the institution giving you the secured credit. Therefore the company giving you the secured credit card has zero risk.
Eight Ways to Consolidate Debt
Next to winning the lottery, a debt consolidation loan is a debtor’s dream. With one monthly payment and a fixed monthly payment schedule, you can actually see an end to those monthly payments.
It Only Takes a Few Simple Steps To Avoid Student Loan Debt
Student loan debt is a problem that affects many former students. It is a long and difficult process to pay off a student loan.Undoubtedly, it is much easier to avoid student loan debt in the first place.There are a few simple steps that can be taken to either escape student loan debt or ensure that the debt won’t be too hard to pay off in the future. Consider student loans only after you have researched all the sources of free financial aid.Many people who are eligible for financial don’t even realize it and instead take out a student loan.If you are not eligible for financial aid and need to take out a student loan, be aware that there are three major types of student loans: Federal Family Education Loans, Federal Direct Loans, and Federal Perkins Loans.Make sure you don’t go over your head in debt by deciding how much you can afford to borrow, and how much you can realistically repay.
16.4% APR $5,000 Auto Loan…HELP!
Are you the victim of a high interest rate auto loan If so, the following email discussion may help you.Read on:
Retirement is never urgent until...
If you’re like many people, your retirement savings have not been growing consistently over the years. We’re not referring to the wild fluctuations in the stock market, but rather the fluctuations in our short-term needs. Every once in a while, it just seems like a good idea to yank ALL those retirement savings out and pay for something.
Worried About Debts
Having trouble paying your bills Getting dunning notices from creditors Are your accounts being turned over to debt collectors Are you worried about losing your home or your car
What is a Debt Consolidation Loan
If your objective is to reduce interest rates and lower your monthly payments, avoid bankruptcy, consolidate your bills and have one monthly payment, or simply get out of debt the fastest way possible, then a debt consolidation loan could provide the answer.
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