Alternatives for consolidating debt rather than using the equity in your home

Alternatives for consolidating debt rather than using the equity in your home Part 2 Consolidation Loan This is an unsecured loan, which means that the interest rates will be higher than a home equity loan. The rates will probably be lower than all of your credit cards but carefully consider other options if the fees are high. Going this route …

Refinance your home?

In recent posts Beth gave advise on using the equity in your home to consolidate debt. Great advise, by the way. I wanted to take it a step further and talk about simply refinancing your home. The current mortgage interest rates are very appealing to a homeowner. If you are a homeowner who has good credit and the right amount …

Mint.com

Two of the most common phrases I have heard clients say over the years are: 1) “I don’t have a budget.” or “I don’t know the first thing about making a budget”. 2) “I just dont have time to do all of that budgeting stuff.” Well my friends, there is help. I have found another great tool to help manage …

7 Things to Consider Before Getting a Pet

7 Things to Consider Before Getting a Pet I am not going to add in the cost of the pet because most individuals figure that in, whether it is free or not. 1. Does the animal need to be spade or neutered? If you adopt, this is usually in the fee. If you do not adopt and the animal is …

How to Save for the Holidays

When it comes to the holidays, our wallets can get drained and it is important we have a savings plan and a spending plan. Everyone pays for the holiday season in different ways. Some put everything on their credit card(s) and end up paying them throughout the following year, others may set up a Christmas savings account at their bank …

Credit Karma

Happy Friday everyone! Today I want to tell you about this great tool anyone can use for free to track their credit score. Normally, I wouldn’t recommend something like this because there is usually a catch or a cost to the consumer. With Credit Karma, everything is free to the consumer; the website is sponsored by advertisers which are typically …

THE TRUTH ABOUT FORECLOSURE “RESCUE” SERVICES

Ok folks…it is time someone stepped up to the soap box and told the truth about foreclosure “rescue” services. Sure, they promise to save your home from foreclosure or help you get a mortgage modification at a 2% interest rate with a hefty amount of principal reduction. They are going to save your home; all you have to do is …

BREAK FREE NOW

We are so excited about the launch of our new website which allows us an opportunity, through the BREAK FREE NOW blog, to bring you the latest and most meaningful information to help you on the path to financial prosperity. Our vision at CCCS of the Ozarks is truly to help you BREAK FREE NOW. We want you to BREAK …

Mortgage Workout Assistance

MORTGAGE WORKOUT ASSISTANCE Download Mortgage Workout Forms   If you or someone you know is past due on their existing mortgage, a certified professional counselor can help you determine what options might be available. CCCS has been helping individuals and families work through financial crisis since 1969. At the top of this page there is a link to complete pertinent …

Housing Counseling

Housing Counseling provides a variety of professional financial counseling services related to homeownership.   FORECLOSURE PREVENTION COUNSELING Mortgage lenders/servicers refer delinquent borrowers to HUD certified housing counseling agencies for technical assistance. Homeowners in financial crisis can benefit from a professional financial evaluation. Our trained staff will evaluate options and aid in developing a plan to bring the mortgage current.   …