Finding big solutions to life's little problems!

Welcome! offers free "how-to" advice, plus an ever-expanding collection of free articles from experts in the field. We'll provide the "how-to." All you have to do is provide the "want-to." And, the follow through.

Additionally, we focus on related topics like self-publishing Kindle books, working from home, debt consolidation, student loan forgiveness and student loan deferments, and household budgeting. But we're not just all about money-matters anymore. We have now expanded into new areas like: health and beauty, skin care, coping with depression, weight loss diets, online dating, working from home, legal issues, fighting identity theft, plus new videos to help you tackle all of life's little problems. And we're growing every week. So bookmark us now and return often to discover what we've added lately!

How to fix your credit report

Find how how you can now download free copies of major credit reports, check them over yourself by knowing how to read your credit reports for accuracy, and fix your own credit to improve your credit score.

Regarding impact of unpaid medical bills on your credit score: "How Unpaid Medical Bills Affect Your Credit Report...And What You Can Now Do About It"

You can contact the three major credit bureaus yourself and find out your credit rating then take steps necessary to restore your credit yourself.

Learn why mistakes sometimes pop up on your credit report through no fault of your own, and some of the common credit report errors you're likely to find on your own credit report.

Learn how to settle your debts before you apply for a debt consolidation loan. And learn why it's important for you to know how taxes affect your credit card interest rate.

To help you get on track, two updated resources to help you to raise credit score: how to write a credit report dispute letter, and also free information on how to write your own sample credit repair letters to remove a charge off. These are free, proven step-by-step guides that show you how to correct credit report and improve your credit rating without having to pay anyone else to do it for you.

Debt solutions: How to beat credit card debt

Credit cards have become like a candle flame to the moth: Beautiful. Desireable. Dangerous.

New changes to U.S. bankruptcy laws now mean that unsecured credit card debt is much, much harder to flush away with a simple Chapter 13 wage-earners personal bankruptcy. But this looming danger hasn't stopped the majority of Americans from applying for those "free" credit card offers that flood the mailbox.

The problem, it seems to me, is that all too many people have either (1) never learned or (2) have forgotten how to manage credit card debt properly, and they are hopelessly digging themselves a deep hole that is difficult to climb out of financially.

But it's never an IMPOSSIBLE climb! You CAN start taking control of your finances by learning how to track your monthly expenses, cut unnecessary ones, and start your own debt consolidation program.

The first step is getting help. I highly recommend you check out Dave Ramsey's website and books to learn the truth about bankruptcy, as he really can help people come to grips with their own financial failures, and I've witnessed how his helpful, real-world solutions have helped people recover financially.

Knowing the status of your current credit score is important, and you can order a copy of your free credit report online. Having these reports will come in handy as you work to improve your finances.

The second step is to set time aside every week to track your spending, develop a budget, and set aside time and space to open your mail, check the statements, write the checks, put them into the mail, balance the checkbook... on and on, until the debts start to dwindle down.

The third step is to STOP using credit as a crutch. If you can't afford something at the moment, then don't pretend you have the money by pulling out a credit card to buy it. Accept your current income as your financial boundary, and live within the fences. Read our article on credit card traps to avoid to understand how important it is to always read the fine print on credit card agreements. Further, don't fall victim to digging yourself into a hole using payday loans. Do whatever you have to do to avoid the payday loan trap payday loan companies operate.

Fourth: Take steps to earn more without spending more. Ask for a raise. Look for a new job. Become more proficient in your job while you're waiting on the raise, and eventually you'll be rewarded. Again, when you do increase your income, keep your expenses level and use the extra income to eliminate debt, not add to it.

The fifth step is to re-evaluate your financial situation from time to time. Do you need to save more? Do you need to lower your monthly bills? Do you need to downsize into smaller, more affordable house? Do you need to sell a little-used car or motorcycle to further reduce credit card debt?

Once you've finally gotten into the habit of breaking free from the credit card trap, you will get into the habit of protecting your credit and you will start to feel more secure. You'll then have better options on what to do with your money, your time, your life. You'll actually be reclaiming your own life in the process, and that's the best present you can ever give yourself.

When your debt becomes overwhelming, maybe it's time that you consider debt consolidation. No, it won't eliminate debt. But at least it could give you some breathing room and some time to think while you sort out your next step. Our free advice outlining 6 easy steps to consolidate your debt and get debt relief will help you gain control of your finances and finally start getting all the way out of debt! Just added: The best debt management solution is to start eliminating your credit card debt.

"How To Stop Harassment Phone Calls From Any Collection Agency"

Yes! You CAN stop bill collection and debt collectors from calling to harass you about unpaid debts!
Stop credit collections harassment NOW! Read our new 'how-to' report "How To Stop Those Annoying Calls From A Collection Agency" for free today and find how you can enjoy peace of mind again!

Sometimes the best way to deal with student loans is to ask for forgiveness. Not for taking out the loan. Forgiveness in this case means working in certain occupations or volunteering yourself to certain organizations to help reduce your college loan debt principal. We've compiled a list of websites that will help you learn more about how to find student loan forgiveness programs.

Recommended Articles and Links:
Free Debt Relief & Credit Repair Information

• "How To Reach All Your Financial Goals In 2015 and Beyond"
• "Manage Debt: Simple Tips To Control Your Holiday Spending"
• "Obama Student Loan Forgiveness Plan Unveiled, Offers Student Loan Relief, New Consolidation Options"
• "Free Online Loan Calculator To Pay Off Personal Loans, Credit Cards, Student Loans"
• "7 Simple Tips To Help You Pay Down Your Debt"
• "Insider Secrets That Debt Settlement Companies Just Don't Want You To Know"
• "How Low Credit Scores Result In Higher Car Insurance Rates ... And What You Should Do To Put The Brakes On It"
• "How To Fight Collection Agents From Re-Aging Old Debts"
• "How to create a book & Publish on Amazon"
• "Employer Credit Checks: 4 Things To Know Before The Interview"
• "Letters of Credit - What Are They Used For?"
• "The Naked Truth About Filing For Bankruptcy"
• "How The New Bankruptcy Law Affects Your Debt Negotiation Options"
• Bankruptcy: What Everyone Needs To Know About Filing Bankruptcy
• "How To Hire A Family Law Attorney To Represent You"
• "Legal News: Former Prosecutor Reveals 5 Ways To Avoid A DUI Conviction" Quick Links:
--Improve Your Credit Score
--How To Regain Your Stolen Identity
--Credit Consolidation
--Fix Your Own Credit
--Free Instant Credit Report
--6 Steps To Debt Relief
--10 Tips For Starting A New Job
--Unlock Your Career Potential
--10 Ways To Build Your Professional Practice
--10 Tips For Better Business Cards
--22 Ways To Get Wealthy
--Helpful Career Links
Helpful Advice
--The Naked Truth About Bankruptcy
--How Unpaid Medical Bills Affect Credit
--How To Hire A Family Law Attorney
--Checklist For Hiring a Private Investigator
--5 Ways To Avoid A DUI
Beauty Tips
--Acne Treatments
--Makeup Tips
--New Beauty Tips
--Are You Considering A Facelift?
--FAQs About Permanent Makeup
Weight Loss
--How To Lose 20 Pounds Fast
--How To Curb Your 'Carb Cravings'
--Beginners Guide To Losing Weight
--How To Reduce Body Fat
--Free Video: 15-Minute Ab Workout
How To Save Money
--Save Money On Car Insurance
--How To Lower Your Bills
--Get Best Rate on Your Home Mortgage
--Negotiate Away Your Debts
--Where To Find Top Online Savings Accounts
Work At Home
--Research Home Business Ideas
--Startups For Less Than $500
--7 Tips For Home Business Start-up Success
--Wealth Building Scams To Avoid
--10 Marketing Tips To Grow Your Business
--Mortgage Terms
--Applying For Loan
--Time To Refinance?
--Buy A Home With No Down Payment
--Free Credit Advice When Buying A Home
Online Dating
--Online Dating Safety Tips for Women
--Comparing Blind Dates vs. Internet Dates
--The Art of Online Flirting
--Popular Online Dating Activities to Consider
--Looking for 'Mr. Right' ... Is He Online?
--10 Ways to Take Control of Your Life
--How You Can Learn to Eliminate Stress
--Unleash Your Creative Powers and Succeed
--10 Things You Need to Know About Yourself
--Your 'Life Map' Offers Vision of Future

Homeopathic Remedies -- Proven natural remedies and formulas from early 1900's - New e-book available for instant download now!

Publish your book on Kindle: Turn simple information into an e-book and make easy extra money!

"How To Make Your E-Book Make Money!"
Want to get published and paid for your e-books? Earn monthly royalty checks on auto-pilot? Build credibility in your niche... plus build your bank balance? Anyone can show you how to publish on Kindle. But we've experienced how to make Kindle books sell! You can now read a free sample chapter.

You can also order this as a paperback workbook - same copy, but comes complete with easy-to-use forms and idea-generating pages to help you create your own Kindle book fast! Paperback. Trim Size: 8 1/2" by 11", perfect-bound. $14.99 Order your paperback version of "How To Make Your E-Book Make Money!" today.

Fight debt collector harassment

Dealing with collection agencies... click here to read free sample now!

Read free sample of "Debt Collection"

You must know how to protect your privacy and understand your consumer rights when debt collection agencies are harassing you, and this book can help you learn what to do.

Laws are in place directing what debt collectors can and can't do. You need this book to put the law on your side and stand up for your rights. Includes copy of the U.S. federal debt collector law that all collection agencies must follow. Make them obey the law... Get your copy today!

Paperback version available now ... click here to get your copy today.

The easy way to make extra money working from home: Make money selling your old used books on Amazon

How to find used books, DVDs, music CDs, and video games for pennies on the dollar and resell them on Amazon in your spare time to make extra money every month, working from home. Read a free sample chapter plus the reviews of what others think about this book:
"How To Make Easy Money Selling Your Old Used Books On Amazon" - Kindle Book, now on sale for only $4.99 ... about the price for lunch at a cheap fastfood restaurant! Get your copy today!

Update: This Kindle Book is now available to read for free to all Amazon Kindle Unlimited subscribers!

You can also order the paperback -- now only $14.99 + s&h

Learn how you can write better book descriptions, sell more books, make more money self-publishing!

Announcing a proven way to boost your books sales. Now you have complete control of how to sell your self-published book.... and you can do it for free. Amazon offers free tools to do it yourself at no extra cost. Learn the insider secrets on how to write better book descriptions and sell more Kindle books! Easy strategies to make your book stand out! Read a free sample chapter plus honest reviews of what others are saying about this book:
"Sell More Kindle Books!" - Kindle Book Version

You can also order this newly-updated paperback copy here

Pastry & Pies: 20 Delicious Pasty & Pie Recipes That Will Get Your Cooking Bragged About! -- Vintage recipes compiled from hard-to-find cookbook, finally available for instant download!
Vintage children's story - "In Quest Of Yesterday" - now available in the Amazon Kindle Store for only 99 ¢!

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