Money And Finances - Single Parent Center

How to Remove Negative Credit History

December 5, 2011 By admin Leave a Comment

There are millions of single parents who have a negative credit history. The first step to dealing with a negative credit history it to acknowledge you need help and that the problem is not going to go away in itself. Secondly, by getting a credit report you can assess the financial situation you are in. This can be done free of charge from the three individual credit bureaus. Also, by obtaining a credit report, you are free to query any negative items on that report. There are three bureaus in the USA which can supply you with an easy to understand summary of these reports. The bureaus … [Read more...]

Filed Under: Credit Tagged With: credit counselor, credit reports, interest rates

Interest Rates on Credit Card Balance Transfers

December 2, 2011 By admin Leave a Comment

When we talk about managing our debts better, moaning about interest rates and what our options are, low interest rates on credit card balance transfers often come up in conversation. But what exactly do they mean, what do you need to do to benefit most out of it, and what should you be on the lookout for as to not get into more debt than you started with? The importance of interest rates on credit cards balance transfers Before we start examining what interest rates on credit card balance transfers actually signify to the average consumer, let us first examine the concepts which make up … [Read more...]

Filed Under: Credit Tagged With: balance transfers, credit cards, interest rate

Is Credit Monitoring Worth It?

November 29, 2011 By admin Leave a Comment

Are credit monitoring services for single parents worth paying for? The answer is going to come from the company that offers the credit monitoring services, the one that you select, because there is no doubt that identity theft is on the increase and the better control you can keep on your bills the better will be your chances of staying protected. If you are a single parent looking at getting your expenses monitored because you think that someone could be using your identity to steal some of your money then you need to make sure that your credit monitoring services are covering all three … [Read more...]

Filed Under: Credit Tagged With: credit bureau, credit history, credit report, identity theft, TransUnion

Which Is Better: A Layaway Plan Or A Credit Card Purchase?

November 25, 2011 By admin Leave a Comment

Without even thinking about it, getting a layaway plan as a single parent at a department store for that very expensive quilt you've always wanted is a far better choice than using a credit card. Consumers are so used to paying for things with a credit card, that they don't realize the amounts they are racking up with small purchases which should ordinarily be paid for in cash. If you buy a loaf of bread and a carton of milk with a credit card that is stupid and self-defeating as you end up with a bank charge as well. With the advent of the credit card people who used to take out a layaway … [Read more...]

Filed Under: Credit

How to Get Rid of Bad Credit

November 23, 2011 By admin Leave a Comment

I wish a magician would appear out of nowhere and tell me how to get rid of bad credit once and for all. My car is breaking down all the time and I need to borrow money to finance a new one. I have a poor credit rating and am having difficulty getting a loan. It seems as though a lot of people find themselves in the same situation as I do. See for yourself. Launch your internet browser and type in bad credit. Thousands of results will appear on your screen and most of the articles will cover the same things: How to check your credit report How to repair your poor credit … [Read more...]

Filed Under: Credit Tagged With: credit counselor, credit report, debt

Government and Private Home Buying Assistance Programs

November 17, 2011 By admin Leave a Comment

As a single parent, finding and financing a home can be especially daunting and challenging, which is why there are many government and private home buying assistance programs out there to help you do just that. All people, especially children, have a basic right to shelter. Don't assume that you are alone in your quest to take care of your family. There are plenty of people in the same boat as yourself and plenty home buying assistance programs that exist to help ease your burden. Government Home Buying Assistance Programs Government Assistance and Grants If you are a single parent … [Read more...]

Filed Under: Housing Tagged With: grants, housing assistance, loans, single parenting

What Is Best For You – Foreclosure or Bankruptcy?

November 14, 2011 By admin Leave a Comment

Foreclosure or Bankruptcy - Which Is Best For You

If you are self employed and you reach the stage where your monthly expenses are greater than your income, it is time to consider what the best option is for you - foreclosure or bankruptcy? Do not wait until it gets so bad that you lose all your possessions before you take action. There are different options depending whether your company is a close corporation, registered company, sole proprietor or if you formed a trust at the commencement of the business. A close corporation and sole proprietor are very similar. Depending how many members form part of the close corporation and who the … [Read more...]

Filed Under: Credit Tagged With: blacklist, credit bureau, debtors

Purchasing a New Home: Tips for Single Parents

November 12, 2011 By admin Leave a Comment

Purchasing a new home can be tough thing to do, especially if you are a single parent without many options available to you. Buying a home is not easy, but it is far from impossible. There are many programs out there to help single parents in their quest for providing their children with a secure place to live. You are not alone Single parents need to be aware that they are not alone, and that there are many others out there is a situation similar to their own. Currently it is thought that there is something like 13.7 million single parents in the United States, so, far from being alone, … [Read more...]

Filed Under: Housing Tagged With: government grants, home loans, housing programs, mortgage

Tips for Selling Your Home in the USA

November 10, 2011 By admin Leave a Comment

As a single parent you may find that you will need to sell your home for a number of different reasons. These reasons may be financial, or simply related to the fact that you need more space for a growing family. There are several tips of selling your home to keep in mind when faced with this situation. Be Patient One of the best tips of selling your home that I can recommend is that you try and be patient. Current conditions mean that buyers are in a far more favorable position as compared to those who are trying to sell. If it is not immediately essential that you sell your home, try and … [Read more...]

Filed Under: Housing Tagged With: broker, estate agent, negotiate, real estate, rental

Use Your Rent Insurance Knowledge to Your Advantage

November 8, 2011 By admin Leave a Comment

For young upwardly mobile professionals, renting a place to live has become commonplace and yet rent insurance has not. Why is this? For the most part, young people starting out in their first jobs are not aware that they even need renter's insurance, and if they do consider it, they dismiss as pointless, since they don't have much to lose. However, if you're thinking that your landlord's insurance is enough, and that you don't have to break a sweat since all of your furniture belongs to your landlord, you are way off base. Your landlord's insurance may be great and it will cover any … [Read more...]

Filed Under: Housing Tagged With: accidents, damages, landlord insurance, rent, single parents