Posted February 15th, 2012
by Amber Cattanach
Recently, George Washington University released the first ever study to list the specific costs of being overweight and obese. They say its the first study ever to do so! Obesity is a major issue for our nation, so I combined the studys findings with other research to try to give a picture of the true cost of being obese:
As you can see, these are no small numbers. $2646 for men and $4879 for women annually. Thats enough to fund a retirement account or buy all your groceries or go on 2 or 3 vacations! Really makes you reconsider that 80 cent supersize doesnt it?
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Tags: Cost Posted in Debt Consolidation
Posted February 7th, 2012
by Amber Cattanach
What can you do if you are caught in a car you cannot afford? First, you’ll probably end up with an upside down car loan. Longer term loans, like the six-year loan in the example, are appealing to many people because it means a lower payment. Many car buyers believe it’s a way for them to buy more car without breaking the budget. The flip side of longer loans, though, is that while you do have a lower payment, you’re also building less equity. Especially with new cars, where the value drops so quickly after the purchase, the value of the vehicle is dropping faster than the balance due on the car loan, leaving you upside down.
Americans are in love with their cars, but at what cost? Here are a few sobering statistics:
- The average middle class family spends as much as 20% of their take home pay on car payments. That
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Tags: Car Loan, Loan Posted in Debt Consolidation
Posted January 14th, 2012
by Amber Cattanach
The previous year was really a very hard one for many people due to world economic recession and shocking financial crisis. As the result today the debt is the most burning and vital issue for most of us. The problem is that 30 percent of people are unable today to repay the debt money and the worse is that they don’t know how to get out of debt, how to get rid of this issue. First of all you should understand that the main cause of your problem is just a lack of knowledge. Of course loan is necessary and sometimes the only possible way to get out of difficult situation but you should remember that at the time you will have to repay the money.
It is not a problem today to take debt, the problem is to return money timely, to get out of debt as soon as possible. Unfortunately the year 2010 is going to be as complicated as the previous one and nobody will offer you a discount as all people eager to save their money. T
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Tags: Debt Posted in Debt Consolidation
Posted January 10th, 2012
by Amber Cattanach
While some take a lackadaisical approach to finance, its better to be prepared than passive. Here are some golden money rules to live by:
Track what you spend. Rounding up or estimating whats in the bank is a no-no. Know what youve got, where its going, and how to maximize it.
Be strict on yourself about what you actually need and what you want. People often confuse these! You do not need a $40 steak dinner, however, you need $40 in groceries.
Budget so that your salary isnt all dedicated to bills. Everyone from minimum wage to six-figures can have management problems and fail to make ends meet.
Blame no one but yourself for financial hardshippeople must adjust their spending to their circumstances. Its not your boss fault if you cant pay your bills.
Pay your taxes on time, and itemize whatever you can. Deductions may be smallbut they add up!
Tags: Live, Money Rules Posted in Debt Consolidation
Posted December 30th, 2011
by Amber Cattanach
Today were bringing in another writer from the personal finance blog community to get a complete perspective. Carlos puts a lot of work into his very successful blog, The Writers Coin, and hes generously agreed to share his knowledge:
1. Some of my readers may be interested in following The Writers Coin. What value or overall message do you think your readers get from your blog?
I hope they can find a place to both learn new things and be entertained. I know a lot of people dont think money can be entertaining (unless you have a lot of it), but I always go back to the Michael Lewis example: he can make most any money topic interesting. And thats really what Im after. In a perfect world, everything I write is something interesting that you didnt know about before that could potentially help you in your own life.
2. Yo
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Tags: Coin Posted in Debt Consolidation