20 ordspråk av Steve Rhode
Steve Rhode
I wouldn't panic just because interest rates go up a quarter point, You should review your finances and see if there are areas I can cut back, areas I don't use.
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If they don't let you do it, that may be a warning sign and you may want to go somewhere else.
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If you have lived a lifestyle where you find it OK not to save and you live month to month, then $2,000 must seem like a bag of gold falling from the sky.
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If you're opening a card and then paying it off and closing it, that's not really building a credit history for you.
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It doesn't surprise me. People generally underestimate what they're going to spend for the holidays.
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Just because somebody will approve you, that doesn't mean you can afford it.
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Low interest cards inevitably change.
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Money can be as addictive as lots of other things -- drugs, sex, alcohol. There are truly money disorders.
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More than 50 percent of the people who file bankruptcy file it incorrectly, and it is unnecessary in many of the cases. They have plenty of money to pay their bills, but are too disorganized.
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Our program takes into account past financial history, current history, and we develop a settlement plan which usually requires concessions from the lenders.
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People run up credit cards to live a certain lifestyle and when the cards run out, so does the lifestyle. If you live a life on borrowed money, it's going to catch up with you.
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So many people that wait until the last minute buy all these things with money they don't have.
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The problem is, they're variable.
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The UK has adopted the American habit of credit with vigor, and consequently consumers are rapidly getting in over their heads.
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They do fill a need. They are in areas where there are no banks, where the banks have pulled out of.
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