by Scott Bilker
Hi,
The end of the year is closing in fast! I cannot believe it's already December.
This is the time of year to start thinking about New Year's Resolutions. Many people plan to lose weight, quit smoking, pay off debt, and the list goes on and on. The only problem is that these plans are usually short-lived. How about starting your resolutions today! Don't wait until next year. It doesn't matter when you start as long as you are committed.
One of the main aspects of your credit that requires your attention is your credit score. Recently, I was interviewed by Chris Brisson for his program, 
Credit options are your weapon against the banks! The key to success is using your credit lines to save money--not to go crazy spending! (I know you won't go crazy spending because you're DebtSmart, but I had to mention that anyway.)
I've found a few more good credit deals that I want to bring to your attention. If you have high-rate debt, then you should apply online now and transfer your balances to some of these cards. (Or search through the entire list.)
by Scott Bilker
I knew it, I knew it, I knew it!
A few years ago most credit card banks changed their policy of what "late" means. Now, "one day late is late," even "one minute late is late." It used to be that late was if your payment was due on the 1st but received on, say, the 20th. Not anymore. If you're 24 hours late, it's late, and you will be charged the late fee. Late fees have also been rising and some are now as high as $39!
What did I know?
One-on-one help to reduce your credit card interest rates. Interest Rate Reduction Mentoring (IRRM) is a program that allows you to learn firsthand what to say to your creditors and how to actually go about reducing your interest rates. This is done through one-on-one mentoring sessions by phone. Learn more and get started today!
by President George W. Bush
President Bush announced that representatives of HOPE NOW have developed a plan under which up to 1.2 million homeowners could be eligible for assistance. Many individual homeowners feeling financial stress have "adjustable rate mortgages," which typically start with a lower interest rate and then reset to a higher rate after a few years.
The HOPE NOW plan is designed to help subprime borrowers who can at least afford the current, starter rate on a subprime loan, but will not be able to make the higher payments once the interest rate goes up. HOPE NOW members have agreed on a set of new industry-wide standards to provide systematic relief to these borrowers in one of three ways...
by Terry Rigg
It is extremely difficult to setup a budget, especially when you are behind on some of your bills. Even if you can make your regular bills and expenses fit neatly into your budget, what can you do if you don't have the money to catch up?
I have listed several methods and circumstances below that may help manage setting up your budget and begin to pay those overdue bills. Since there are as many different budgets as there are people that try to set them up, this list may not be all inclusive. It may, however, give you some ideas that will fit your individual problem.
"A ray of sunshine: your books arrived! They are exactly what I hoped they'd be, and they tempt me to ignore all else, as I devour them. I'm starting with Talk Your Way Out of Credit Card Debt, and, although I ordered it to learn how to help my sister and brother-in-law, I'm finding information that I can use to help myself, too. You were right to 'guarantee' that your 'books will help.' To paraphrase you, I've gotten mad, I'm getting smart--thanks to you--and I'll soon pick up that phone! My only regret is that I didn't think to ask you to autograph the books before you shipped them. Perhaps I'll have the opportunity to meet you someday, and I'll remedy that omission. Now, back to your phone calls..."
Enthusiastically,
Anne
by Scott Bilker
David Sheepsley has two credit cards with balances. Card A has a balance of $8,000 at 19.8% and minimum payments of $160 per month. Card B has a balance of $6,000 at 5.9% with minimum payments of $120 per month. David has a total of $400 per month to use for repaying his credit cards. What's the better plan for David?
Pay the most money possible per month to the lowest-balance card (B) first and make minimum payments to the highest-balance card (A) until the lower-balance card (B) is paid off. Then send the entire payment of $400 to Card A until that debt-repayment is completed.
Or...
Do the reverse. Pay the most money possible per month to Card A and make minimum payments to Card B until Card A is paid off. Then send the entire payment of $400 to Card B until that debt-repayment is completed.
Stop Debt Collectors Cold! Plus, for a limited time, 4 bonus reports:(1) How to Get Collection Accounts Off Your Credit Report; (2) How to Avoid Losing Your Home In A Foreclosure; (3) What to Do if You Are Behind on Your Car Payments; and (4) Confidential Interview With A Former Debt Collector
by The Consumer Publishing Group
The Credit Secrets Bible contains more step-by-step, easy-to-learn, easy-to-use insider consumer credit secrets than any other home study course on the market. In fact, the information in the Credit Secrets Bible is so powerful, we have to disclose to you upfront that it is sold for informational purposes only.
If you don't already know, I'll be the first to tell you... banks, finance companies, bill collectors and credit card companies are some of the BIGGEST crooks in the world. If you don't know the secrets contained in the Credit Secrets Bible, you will pay tens of thousands of hard-earned dollars in extra bills, interest and fees, etc. Your money will be wasted (down the drain) for no reason other than you don't own the Credit Secrets Bible home study course.
Banks and other institutions who take your money, ruin your cr