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My Miracle Loans!

Anyone can get a loan quickly and easily; learn how.

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Ultimate Mortgage Loan Modification Guidebook!

Now you can lower your mortgage payment without help from a loan counselor.


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Get Out of Debt 63% Faster!

Financial software can simplify the rapid debt reduction process for you.

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Credit Card Debt Settlement!

One couple settled $75k worth of debt for about 30% of what was owed. You can do it without an attorney.


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Credit Secrets Bible

The heavyweight method of repairing your credit once and for all!

Shocking Credit Card Secrets

Don’t get caught off guard! The credit field is changing drastically, and the changes could dramatically impact your quality of life! [continued] Read more »

The Simple Dollar Weekly Roundup: TrentHamm.com Edition

Over the past year, I’ve been experimenting a lot with my personal website, TrentHamm.com. Should it just be a puff piece that promotes me? Should I have some long essays or short stories on there?
What I eventually realized, though, is that the thing I enjoy doing the most is simply sharing [...] [continued] Read more »

When Financial Change Is Overwhelming

Mark writes in:
I’ve been reading The Simple Dollar for a year or so and I’ve found it really inspirational. My problem is that I can’t get past the “inspirational” part.
Several times, I’ve started to try to implement your tips. I’ll make grocery lists and try out lots of free activities and give up [...] [continued] Read more »

Why Are Oranges Always on Sale in December? Seasonal Food Sales and How to Take Advantage of Them

When I was a kid, each year my Christmas stocking had a large orange in the toe. I always thought of this as a bit strange, so when I was a bit older, I asked my parents about the orange. It turns out that oranges were pretty hard to get ahold of when [...] [continued] Read more »

The Costs of Preparing for Additional Children

Megan writes in:
Congratulations on your third child! My husband and I are expecting our second child in February. I hope you’ll write an article about how to save money when another child comes along.
Your wish is my command, Megan. Here are some of the ways we’re preparing for our third child.
Diapers
As I’ve [...] [continued] Read more »

Simple Ways to Save Money on Salads

Lately, my wife and I have been studying ways to reduce our weekly grocery bill. We’ve been using several tactics to do this, which I will discuss one at a time over a series of articles.
Salads before dinner are a common staple at our house. For a long time, we would buy lots [...] [continued] Read more »

Six Reasons Why People Don’t Thrift

Over the past week, I’ve been conducting a quiet poll among friends and family concerning whether or not they shop at thrift stores. I received a few “yes” answers, but a surprisingly large number of “no” answers. Without arguing about the reasons, I also asked them why they didn’t shop at thrift stores [...] [continued] Read more »

Putting the “Important but Not Urgent” Tasks Above the “Urgent but Not Important” Tasks

One of the biggest personal and professional frustrations that I have (and that a lot of others seem to share) is that there’s never enough time to get to the important things we want to do.
We want to do things like…
+ visit an old relative
+ create a master information document
+ work on a [...] [continued] Read more »

Making Buyers

Yesterday, my four year old son was watching a television program at his grandparents’ home. At our own home, we don’t watch much non-PBS programming at all, so this was one of my son’s first real exposures to advertising.
I came into the room after he had been watching for about forty minutes and started [...] [continued] Read more »

Spending on Your Passion

Recently, I picked up two Le Creuset 5 1/2 quart French ovens on a special deal. I’ve been slowly upgrading our kitchen implements and I’ve wanted to upgrade our cracked ceramic casseroles with enameled cast iron that can be used over a burner and also thrown in an oven for baking purposes.
They were expensive, [...] [continued] Read more »

Teenagers and Expensive Clothes

Monica writes in:
I used to buy my daughter several new outfits before the start of the school year and then a few more items for Christmas. This worked well when she was less picky about her clothes. The last few years, though, she’s wanted nothing but a few specific brands of clothing – [...] [continued] Read more »

How to Start a Meal Exchange

Recently, several couples in our community started a frozen meal exchange. It’s a really simple idea. On a certain day, everyone in the exchange meets for coffee and brings along a laundry basket full of frozen meals, one for each family, along with any needed instructions taped to the lid. The members [...] [continued] Read more »

Conquer Your Gambling Debts

Gambling debt is like any other debt, with one big difference. That is, that there is a big temptation to try to get out of debt using the same method that got you in there in the first place, that is, gambling. [continued] Read more »

The Truth About Government Debt Relief Grants

There is a lot of mistaken information going around these days about government debt relief grants. Some people believe that the government will pay to get individuals out of debt. Unfortunately, that is not true. However, there may be other ways that the government can help you financially. [continued] Read more »

How to get out of debt

In the current recession, how to get out of debt is a question that is affecting more and more people. It is very easy to get into debt when you go through a bad patch financially. [continued] Read more »

Credit card bad debt, and when to settle

Do you have credit card bad debt? Debt that you will never be able to repay? You might be able to settle some of your debts on certain accounts that are behind in the payments — especially the ones where you just can’t seem to make the monthly payments. Here is a method that is often used by credit card consolidation companies. [continued] Read more »

Your Rights Under the Fair Debt Collection Practices Act

You have certain rights with regards to collection agencies, and they must abide by the rules. [continued] Read more »