I am full time employed, now earning good money and only two teens left at home. I have little debt however have destroyed my credit rating over the years. Is there any organization or anyone that help me, educate me on day to day financial matters, I would love to buy property for my family….
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Thu, May 20, 2010
May 20th, 2010 at 1:00 pm
Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – credit-report-score.10001mb.com
May 20th, 2010 at 1:00 pm
You are the perfect person to read Dave Ramsey’s book "Total Money Makeover" … it is great. There are also a series of classes called Financial Peace University you can take. I used to teach these classes. It’s great. Please go buy the book. I buy the books by the case and give them to people I run across in my life.
The books are available online, and are on sale for $10 now. Just went and looked it up.
May 20th, 2010 at 1:00 pm
Unfortunately, you are not by yourself with debt issues. Besides, with the current state of the marketplace, things are tough and individuals have huge amounts of debt, including the US Gov! There are several consolidation offers out thereeto help, you may want to check some out.
May 20th, 2010 at 1:00 pm
Ignore the spam responses – loans and debt consolidation – you don’t need either. I completely agree you should check out Dave Ramsey, he gives real world advice for people wanting to improve their finances. Creating and maintaining a budget is essential, including savings goals (i.e. downpayment). You can do it yourself, buy software, or you could use something like mint.com. It’s not necessarily the best thing, but it is free.
I don’t have specific sites, but I suggest researching credit reports and how they impact mortgages. Negative items remain on the credit report for ~7 years, so mistakes won’t haunt you forever. However, I’ve heard it’s best to pay off collection accounts before applying for a mortgage.