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Knowing how to pay bills when there is no money left can be unpleasant and stressful, if no plan is made.  As late fees appear, you could face legal action against you and loss of assets. In dire financial situations, it is imperative to prioritize payments and check options. You should think carefully about paying bills while broke and talk directly to your creditors. Learn how to pay bills when little or no money is available after expenses. Make Paying Bills a Top Priority Prioritizing bill payments should be your first step. Decide which is the most important bill that you must pay like utilities. Consider which services, if unpaid, would have the biggest impact on your lifestyle. For example, unpaid bills for credit cards can amount to late fees and bad credit records, but usually will not make you lose any assets like defaulting on mortgage payments. Consider goods or services that you can live without like Cable TV, gym memberships, magazine subscriptions, and expensive roa...

Shopping on the World Wide Web has become a common practice in today's times. Since most people have some sort of daily access to the internet, they can do a lot of purchasing on the Web without actually having to go to a business location. When comparing quotes from different companies online, there are some standard procedures shoppers should follow before making a final purchase. In order to get the best coverage for the least amount of money, one will need to shop around. Compare prices of at least three vehicle coverage companies. There are even internet sites that will show estimated prices of ten or more policy providers all at one time. This gives the buyer a chance to review costs of multiple providers quickly and without having to go through the trouble of calling each one. A person should always know what they are buying. Read the fine print and details about policy before purchasing. Be aware of what is covered and how much it is covered for. Pay attention to procedures...

When purchasing a new home, buyers must decide if they want mortgage life insurance and mortgage disability insurance. Both forms of coverage provide some degree of protection if the purchasers become disabled, become terminally ill or die. It is important to know what options are available before deciding. The following points define the various options for both insurances. 1. Reducing Term Mortgage Life Insurance In the past, this was the most popular type of coverage chosen. The amount owed on the mortgage is the insurance amount, and the death benefit decreases each year as the mortgage is paid down. If the policyholder died suddenly, the remaining amount would be enough to pay off the home. This reduces the chance that the insurance company would pay out more than necessary. For example, they would not want to pay $250,000 to survivors if the current amount owed was only $50,000. 2. Term Life Insurance Mortgage Protection As a rule, this economical form of coverage is th...

Insurance policies have become an important part of life with the increase in risks related to life and accidents. These policies can be very complicated and surrounded with a lot of false information. You must not believe everything you hear, because there are many myths associated with your insurance policies.  The 10 most common myths are as follows:  1. Benefits should equal premiums:  Your policy is your buffer against severe financial problems and not to be used for daily ups and downs in life. You must not feel cheated if you have been paying premium for years and never made a claim.   2. Everyone needs life insurance: For some even this policy is unnecessary. The policy is designed to give financial care to your dependents. This includes your children or any elderly person who depends on you. If you do not have any dependents, then you may not need the policy.   3. Only the breadwinner needs to be insured:  It is generally believed th...

People aren't born from birth to be savers. It takes time to develop money-saving habits. Follow these tips and you'll be saving hundreds of dollars a month in no time. Budgeting The first thing you need to do before you can develop your money-saving habits is to decide realistically how much you can save. To accomplish this, you must first devise a budget that lays out all the money you earn and your essential spending. This tells you how much discretionary income you have that you could be saving. Don't Pay Too Much The first money-saving habit you should develop is a paranoia about prices. Assume you are paying too much for everything from groceries to car insurance. Then test that assumption. Go to online price comparison sites to see if you can get lower prices on insurance, loan rates, rates for TV, Internet and phone service, and many other services and products. If you can get a lower rate, don't be shy about switching, as long as the new product or service meet...

How to get a 100 % home loan? This a question that many would like to here the answer to. Is there really such a thing? Is there even just a small percentage of a possibility that the answer to this mythical question could be a positive one? To understand more on how to get a 100% home loan we must first understand the facts behind this so-called witches brew for the new families of tomorrow. Banks, this is the first word that would also play the most important role in your quest of finding the holy grail to a 100% percent home loan. Banks offer a lot of different plans to help you achieve that house that you always wanted. Most often than not if you have a stable income you will be granted a housing loan applicable to your monthly salary capability. Interest, accrued payments and monthly amortizations are all part of the formula. But is getting a 100% home loan part of the banks plan in pursuing your hard earned salary. Hate to burst your bubble but almost 90% of the world’s banks ...

After the successful completion of our working era, we head to another life dominated by security and peace. Well, it’s quite obvious for an individual to expect a hassle-free life where there will be no work responsibilities and unavoidable tensions. Despite, a certain way has to be adopted that can ensure monetary stability till your last breath. So, if you have already bid farewell to your work and therefore looking for extra income, why don’t you go for a long-term investment? People nowadays are going for life annuity policies for sustaining regular income for lifetime. So, let’s see the factors that are making retirees go for such long term investment policies. ·          A life annuity policy certainly scores higher when it comes to financial stability and monetary security. No matter what the market condition stands, you will get your deserved income according to your set time period. ·          Fixe...

With the New Year here, many people are trying to quickly recover from recent holidays by getting their bank accounts back in the black and paying down those credit cards. However, keeping a strict budget isn't always easy in the New Year. While it may be time for a fresh start, it is also winter, which leads to higher utility costs and generally more driving as colder temps prevents many from walking or biking to work. Trying to get your financial household back in order doesn't necessarily mean that you need to refuse entertainment and crank down the thermostat. By simply sticking to those New Year's resolutions you made a little over a week ago, you can save yourself several hundred dollars this year alone. A few of the most cost-effective resolutions include: Shedding Pounds Perhaps the most popular resolution of 2012 and years past is losing weight. Being overweight has become common in the U.S. leading millions to take the oath to shed extra pounds each year, and stic...

One of the major problems that most American citizens are facing is related to debt. If you are residing in Colorado Springs then debt consolidation Colorado Springs can help you out. With the spreading of credit card companies around the nation like a plague and they granting credit cards with very minimal requirements have made it very easy for most people to get access to credit. This however is not having a very good impact on people. Most of the people who own multiple credit cards tend to misuse them or don’t know where to draw a line. They become so busy buying things to their heart’s content that they end up losing all self control and spending much beyond their means. If you are amongst such people then invariably you are facing debt problems which are making you face quite an amount of stress. It is pretty natural that people don’t understand what calamity debt brings, unless they have been submerged into it enough to make them feel choked. If you are in suc...

Times are getting harder. The recent global financial crisis has made many people realise the importance of getting financially prepared for possible job losses, reduced income, or higher costs of living. Financial hardship is something nobody looks forward to but it could be unavoidable. There would always be economic factors in the country and around the world that could bring about that hardship. The best way to deal with and overcome any financial hardship is to be ready for it. As the cliché goes, it is best to always save for the rainy days. How could anyone prepare for it? Here are several ways you could do it. First, live in frugality. It is ideal to be always practical. You may not be aware but you could actually lower your daily costs. You may incur lower electricity bills for instance by getting more conscious about how your household uses appliances and lighting fixtures. To lower your water bills, install faucets that do not leak. As for your grocery, buy only necessary it...

College students who carefully manage their money actually live far better on far less than students who improvise from payday to payday. Gabriel Adona, a popular professor at San Diego Mesa College, periodically reminds his students, “If you’re not suffering in college, you’re not having fun.” Adona numbers among the first, however, to agree that living frugally and suffering are by no means the same thing. Noting that students who receive financial aid generally receive more than enough money to pay their fees, buy their books, and meet their basic expenses, Adona laments that most families do not teach their children how to manage money as a crucial element in their preparation for college. “We test entering students for the English proficiency and math competence,” he says. “We ought to test them for their financial fluency, too.” Adona cites attrition statistics that indicate more than half of his students who drop-out before completing their degrees leave college “for financial r...

In the current economic climate, savvy customers need to shop around to find the best high interest savings accounts . The lack of movement on the Bank of England’s base rate means that savers are continuing to see relatively low returns on their investments. The average interest rate on a typical easy access savings account is just over 1% and, given the dismal predictions for the future of the UK economy, this is unlikely to improve any time soon. One option is to put your money in a Cash ISA. With an average interest rate of around 2.5% AER this is a good option for those who are not already using their tax-free allowance. You can save up to £5,340 per year tax-free. Online savings accounts also offer higher rates of interest, but withdrawals are often limited to three or four times a year.  If you don’t mind locking away your money, fixed rate bonds are a good option for people looking for high interest savings accounts . The average rate is 3% on a £1,000 investment ...

Before the Internet, it was very difficult to find a bail bonds agency that would offer high quality services. People generally had to rely on the closest bail bonds office, which was not always the best option. The agents at the bail bonds company knew this, and they would take advantage of the fact that people were desperate to get their loved ones out of jail—quickly. However, with the help of the Internet, websites can help those who are seeking bail bond assistance to find a company that will work with their financial needs . If you’re in need of a bail bonds agency, you know you need to move quickly so that your friend, spouse or other family member does not need to spend endless time in a jail cell. Here are some tips to get you started. 1. Search online for an easily accessible network : When seeking a bail bond company, begin your search online, and start seeking a bail bond company that has a network or database available for your use. Websites, such as Expertbail.com, are es...

You can control the cost of your teen-driver’s insurance, but you cannot afford to compromise your coverage. “As soon as your teen starts driving, alert your insurance company,” the big carriers say. Consistent with their vehicle codes, most states will not allow your teen to take the license test without proof of insurance. As a practical matter, however, begin the process of insuring your teen as soon as she gets her learner’s permit, because securing exactly the right coverage for the new driver and the rest of the family will take some time. Insuring a teen driver is not a “one call does it all” deal. Cold-hearted and realistic : Shopping for car insurance, remain exceptionally cold-hearted and realistic. First, accept the fact that your teen-age driver will bump into things. The numbers do not lie: sixteen-year-old drivers have by far the highest accident rates among all drivers. Not a surprise: they need time and practice to develop their judgment and perfect their feel for the c...

Magazines are a timeless pastime that entertain, inform and inspire us. Most people love to read a good magazine every once and a while. Unfortunately, magazines can be costly. Now that the Internet is the most popular way to read about things, magazines are less popular, and as a result many publishers don’t offer as low prices as they used to. The best way to get magazines is to purchase a subscription. The discount on buying a year’s worth versus one or two directly from the newsstands can be astronomical. If you get creative, you may be able to score some magazines for free, too. Here are some ways you can get cheap or free magazines. Magazines.com :  The best website to purchase cheap magazine subscriptions is Magazines.com. They have thousands of magazines available at a fraction of newsstand prices, and it is a reliable site to purchase from.   Split with Friends : If you want to get a magazine subscription but don’t want to pay full price, consider going in on the purc...

The current economic climate cannot be ignored. Everyone is trying to save. However, most people experience a lot of problems in doing so. With these tips, saving will come a lot easier! 1. Air Conditioning : Depending on your climate, you may be able to save a lot this way. If you are experiencing hot weather just for a few weeks, this can be especially great. Fans will go a long way. Try placing one in the basement to blow cool air upstairs. The shaded side of the house can be enjoyable by placing a box-fan on the window facing that side. 2. Airfare :  The amount of money spent on flights is usually outrageous, but one can still save. Try using Fly Combo to do so. It might take you more hours to drive to a large airport that will offer these services, but it will save a great deal on the connecting-flight charges. 3. Appliances :  This is one option that many people do not think about. This can be achieved by buying used items or returning your used appliances for cash. You ...

While the economy has improved over the last few years, the job market is still shaky and money has been tight for almost everyone. Effective budgeting and some money saving tricks can make all the difference to someone looking to get by in tough times. Here we will explore some conventional and some not-so-conventional ways to save a little extra cash in the New Year. Cancel that cable or satellite subscription : Cable and satellite subscriptions can be one of the most costly monthly bills many people pay. Even basic packages can cost between $50-$100 per month. What to do? If you want to watch in a timelier manner, sites like Hulu allow you to watch a limited number of current episodes for free, or as many as you want for $8 a month as well. Potential savings: $40-$90 per month Drop that phone bill : Another expensive monthly subscription that many people pay dearly for is their phone service. Services can cost between $50 and $100 depending on the number of minutes and data you want...

Nearly everyone in the UK is worse off than they were last year with the cost of living increasing and wages being frozen or cut. House prices still haven’t recovered from the 2008/9 crash and the recession may be officially over but the fallout is still being felt all over the UK by individuals and families. With this in mind, it is understandable that there is such a temptation to sell gold for cash for that all-important cash for gold deal. Gold is one of the only – if not THE only – commodity to have boomed during the recession. So-called “safe haven” investing has pushed the price of gold up to levels that would have been unthinkable during the boom years of the early 2000’s. As a result, several companies have emerged, all promising to give customers the best price for their gold and provide the best service – far better than all the others. Therein lies the issue at hand. How on earth does one choose which gold buyer to use? Hopefully this checklist will help you decide! Transp...

1. Make a List It is easy to go over budget without a plan. Decide a maximum number of extra items and stick to it. 2. Clip Coupons Many newspapers include coupons in the Sunday paper. However, be aware that most papers do not include coupons prior to a holiday. A good rule of thumb here is to only clip coupons for the items on your list. It is not cost-effective to buy an item just because you have a coupon. 3. Read the Sales Papers Every week, supermarkets send out thousands of ads with current sales. Often, large stores also have price-match guarantees on current sales. 4. Sign up for Club Cards Many supermarkets and pharmacies now offer rewards cards. These rewards cards can save a significant amount of cash. They also keep track of your spending habits. This information is then used to generate coupons specifically for you. 5. Portion Control This may take a little more planning, so you may want to start with specific recipes. Sometimes, a cut of meat can be cheaper for a slightly...