Nice Bankruptcy Home Refinance photos
Some cool bankruptcy home refinance images:
Plant A Man .. Got My Mojo Working (Muddy Waters) …
Image by marsmet461
Recorded at the Newport Jazz Festival 1960. This is the full lengh version of Muddy waters Got My Mojo Working
…..item 1)…..youtube video…..Got My Mojo Working Muddy Waters full version newport jazz….7:01 minutes….lewisldurham
www.youtube.com/watch?v=FhTCYqJsfqs
Category:
Music
Tags:
Newport Jazz Fesitival Got My Mojo Working 1960 Muddy Waters Blues Chicargo
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Standard YouTube License
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First Person: Am I Headed for Financial Ruin? Signs that you are headed for financial ruin are as obvious as signs on the highway, but many people get distracted when it comes to paying attention to them.
…..item 2)…..Yahoo! Finance….First Person: Am I Headed for Financial Ruin?
Laura Cone, On Friday June 10, 2011, 6:32 am EDT
finance.yahoo.com/news/First-Person-Am-I-Headed-ac-592735…
*Note: This was written by a Yahoo! contributor. Do you have a personal finance story that you’d like to share? Sign up with the Yahoo! Contributor Network to start publishing your own finance articles.
Signs that you are headed for financial ruin are as obvious as signs on the highway, but many people get distracted when it comes to paying attention to them.
When I was in my early 20s, I made an impulsive cross-country move that left me without a steady income for about six months. I tried to ignore the signs that we were headed for financial ruin, but eventually the bills became impossible to ignore.
I have friends who have declared bankruptcy and others who have simply walked away from their bills until the debt disappeared from their credit records. It’s possible to go from being thousands of dollars in debt to having wealth, but it takes daily discipline and willingness to take financial responsibility. Here are some of the telltale signs that you are headed down the road of financial ruin, as well as some ways to make a major U-turn and prevent bankruptcy:
Buying groceries on credit
If you don’t have enough money in your checking account to purchase food and have to use credit, then you are in financial trouble. If you just use a credit card because it’s convenient, and then pay it off, that’s a different situation. I knew I had trouble when I used credit cards for pizza delivery instead of being able to pull out a . To avoid bankruptcy, start working on a cash-only basis for a while. Make a special envelope for food money. Clip coupons as well, or share extreme couponing tips with friends.
Making less income than housing expenses
If you don’t have enough income coming in to pay your rent or mortgage and utilities, consider that a sign of financial desperation. Find other ways to make extra income. Mow lawns for neighbors if you have to. Consider renting a less expensive apartment. If you own a home, refinance or opt for a short sale so that you can downsize to a more affordable living situation. Otherwise, you will face foreclosure.
Not being able to pay credit card minimum
When your minimum payment becomes so high that you can’t afford to pay it, you need to consider your options. Credit cards are unsecured debt, which means some people have no problem walking away from the bills. It’s better to take responsibility and pay off your credit cards with the debt snowball plan. To avoid bankruptcy, you need to find a way to pay the minimum payments, or call the credit card companies to work out a temporary solution.
Being overdrawn on your checking account
Some banks will allow you to be overdrawn on your checking account up to a certain amount. But being overdrawn is always a red flag that you are not living within your means. Make a commitment to have at least 0 in your checking account as a cushion. Start making sacrifices each day to save money. It’s fine to think about your monthly bills and budget, but I had to start looking at my finances daily to really reach my final, debt-free destination.
To avoid bankruptcy and prevent foreclosure on your home, make financial sacrifices early and often. Don’t wait until you see the signs of financial desperation. I have a friend who is renting out a room to ease her financial burdens. A relative is renting out his Florida winter home. There’s no shame in becoming a multigenerational household to save money on living expenses. It’s easier to navigate around financial potholes than to get out once you’re stuck.
More from this contributor:
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Six Financial Crimes We Commit Against Ourselves
www.associatedcontent.com/article/8097667/six_financial_c…
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Overcoming My Poverty Mentality
www.associatedcontent.com/article/8045917/first_person_ov…
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6 Sneaky Ways To Save 0,000 In 10 Years
www.associatedcontent.com/article/8063853/first_person_6_…
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