Is zero interest for 18 months REALLY zero interest? If you can walk a tightrope while juggling flaming torches, then maybe. But beware — many of these offers are fraught with conditions that will make your head spin. Best Buy, for example, is currently offering 18 months zero interest on all purchases over $429. However, […]
3 Ways To Recover From Christmas Over-Spending
Even with all the advice here at Personal Finance By The Book, you still managed to overspend this holiday season. It’s not that surprising; one-in-three Americans put their holiday on credit cards. Many more used loans, credit lines, and same-as-cash deals to pay for the big day. And with presents, eating out, travel, and increased […]
Take Control of Your Debt by Setting a Time Goal
How do you feel when your bills pile up on you? Overwhelmed? Out of control? Hopeless? Even when you start making progress, do you run out of steam? Is “getting started” something that you continually postpone? Yes, debt bondage can be overwhelming, but setting a time goal will help you take control of your […]
Surviving in a Sea of Debt
I read a fascinating article the other day from the Discovery Channel’s How Stuff Works website. The article shared strategies for surviving adrift in the ocean. While I don’t ever plan on being stranded in the ocean (who does, right?) it was still a captivating read. I’ve never been a fan of the open waters […]
Difference Between Debt and Deficit
I can’t tell you how many times I’ve heard the words debt and deficit thrown around on the news this year. It seems like every time I turned on the TV or read an economic article, people would make it a point to talk about our nation’s debt and the budget deficits. But what’s interesting […]
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