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Did you know?Financial Tips
Debt Burst believes in keeping their clients educated and current with the latest trends and changes in society. We enable our clients to take charge and take control of their financial situations by supply them with tips that are helpful and easy to use.
10 Tips for Dealing with your Debt
Paying off debt is a matter of making more money than you spend, and then allocating the extra funds to outstanding balances — easier said than done, right? To some it may be just that easy, but to most, debt is so common that it eventually becomes a way of life. In fact the average family household averages $9,000 in credit card debt.
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Bankruptcy 101
Before the 20th century, people could be jailed for not paying their debts; these "debtor's prisons" are unthinkable by today's standards. Today, people experiencing financial difficulty have the right to have their debts reorganized or discharged. In fact, according to the Administrative Office of the United States Courts, a fundamental goal of the federal bankruptcy laws enacted by Congress is to allow consumers to obtain relief through the bankruptcy discharge, the purpose of which is to provide a "fresh start" to the honest debtor. In 2006, more than 1.1 million consumers filed for bankruptcy protection.
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Bankruptcy Myths - Beware
- Everyone will know I've filed for bankruptcy.
- All debts are wiped out in Chapter 7 bankruptcy.
- I'll lose everything I have.
- I'll never get credit again.
- If you’re married, both spouses have to file for bankruptcy.
- It's really hard to file for bankruptcy.
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Ahh a Baby...don't let debt get you down
Having a baby is the most beautiful thing in the world. They are so precious and time flies by before you know it. Don't let your financial worries get you down. Plan ahead and save now!
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The Value of Creating a Spending Plan
Do you ever find yourself saying – where did my money go? If so, you may not have a budget in place. A budget does not mean you must shop at the thrift store or live in poverty, in fact, to plan where your money will be spent will keep you living within your means and bring you a sense of comfort. In this edition we will show you exactly how to do this by creating a Spending Plan.
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Know Your Grocery Budget
If you don’t already know how much you’re spending on food each month you really should take the time to figure it out. Those who don’t know how much they’re spending on food (this includes eating out for lunch and your occasional Starbucks run) are 20 times more likely to be in debt.
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How to improve quality of your life
Many people are not enjoying their fast-paced lifestyle, expensive home, cars, and gadgets as much as marketers claimed they would. Numerous disillusioned consumers are finding greater satisfaction and fulfillment from a quality of life, not a quantity of things.
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Protect yourself against Credit Card theft - follow these easy steps
- Sign your cards as soon as they arrive.
- Carry your cards separately from your wallet, in a zippered compartment, a business card holder, or another small pouch.
- Keep a record of your account numbers, their expiration dates, and the phone number and address of each company in a secure place.
- Keep an eye on your card during the transaction, and get it back as quickly as possible.
- Void incorrect receipts.
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Going through a divorce? What assets should you think about?
When you have substantial assets, divorce can negatively affect your ability to hang onto them. Whenever you go through divorce, you should expect to lose a substantial amount of your assets in most cases. Here are the basics of what to expect in regards to your assets when you file for divorce.
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Tips on How to Save on Gas
Besides the obvious like walking, riding a bike or taking the bus, there are ways to save on gas. For Instance: ensuring proper tire pressure, removing excess weight, observing the speed limit, regular oil changes, changing your air filter or even new spark plugs.
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Benefits of Spending Plan
While it may sound restricting and unpleasant, following a spending plan will allow you more freedom to fulfill longterm goals like purchasing a house, paying off debt or building a savings..
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Divorce Settlement Tips
When you go through a divorce settlement, your personal and financial life is going to change dramatically. Divorce can affect your financial situation in a variety of ways. Here are a few things to consider about the financial implications of divorce.
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Facing Foreclosure or need Mortgage help!
The home-mortgage crisis in the United States has spawned problems in the mortgage, real-estate and banking industries, and many consumers now face mortgage-payment increases in the coming months that could cause the number of foreclosures to climb even higher. Here are two valuable resources for consumers in need of help with their mortgage situation.
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Goals for Credit and Money Planning
Before committing yourself to improving your credit standing, you should spend some time to find out what your long term money goals are. It takes time and work to build up great credit, but good credit can also be a trap. You can overextend yourself, and you can destroy or severely impair that good credit by not keeping your goals in mind.
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Money Adventures- Kids and Finance
No matter how old your kids are it's never too late to have them start understanding the value of money and to expand their money. Can you name any kid that doesn't want or know what money is? How many just ask for money and not understand where it comes from or why they can’t have $20+ for just anything he or she wants? Children and teenagers need to understand how money is earned, how to manage money and how to save.
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How Marketers and Retailers Target the Young?
Youth of today face many more challenges and opportunities than their parents did, so it’s essential they get ongoing training and guidance as early as possible to lay a sound foundation of healthy financial habits.
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Establish and Maintain a Savings Program
There are two valuable tools to help you build and increase your capital – both are within your grasp and well worth using. One is a successful savings plan, the other an effective investment program.
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Savings on Utilities
There are a number of ways to save on your PG&E bill, and one you may have not thought of just yet, is replacing your standard light bulbs with CFLs. By replacing your standard light bulbs with CFLs, you can save energy and money!
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When was the last time you evaluated your insurance plans?
Let’s be honest, it’s probably about that time. It is highly beneficial to check all of your insurance plans annually to make sure you are properly covered and you’re getting the best deal possible.
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You can handle your debt after losing a job
No one expects or desires to lose a job. How do you plan for it or even deal with it? If you are currently laid off or think you might be soon, gathering the right information and financial tools can help you take control of your money and make sure it goes where it's most needed.
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Oh NO! My Identity has Been Stolen!
Identity theft has reached epidemic numbers. If you've read the article Be Proactive Against Identity Theft you know that it’s wise to do all that you can beforehand in order to shield yourself from this crisis. But according to Federal Trade Commission (FTC) statistics, it may not be enough; in the U.S. alone there's a new identity theft victim every four seconds. It may therefore be more a matter of when and not if it happens to you.
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Protecting Your Privacy
Debt Burst offers cost-effective and useful consumer benefits and one of the important things we offer is 24/7 access to Identity Theft Protection and Restoration. Identity theft can happen to anyone, anytime and anywhere—at the job, on vacation, on a business trip and even while you’re sleeping. Protect yourself and don’t risk becoming a victim.
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