Overcome financial insecurity step-by-step. Budgeting, debt management, savings, and more.

Unveiling financial insecurity: Its impact and ways to overcome. Explained in simple terms.

Aside from the stress of not paying your due bills, one of the main stressors is debt collection calls. In my years of experience, I know and understood that we are not at ease when receiving a phone call

I had been in the collections industry for more than ten years now. One of the most troublesome line of business that I had been to is credit card collections. To be honest, overspending with your credit

Our schools have thought us the importance of wants and needs. Whereas the needs should be prioritized first or called "essentials" and wants are termed as "non-essentials. Let's say that

In one of the financial seminars that I have attended in the past Chinkee Tan a famous financial educator in the Philippines stated that there are 2 kinds of debt. The good and the bad, he said that good

While walking in a mall a salesperson offered you a product that you badly want to purchase. However, you have limited funds to spare as you scan through the presentation of the salesperson he said the

One of the nightmares of a customer service representative that works in the billing department for a mortgage is explaining escrow. The majority of the escalated calls that we have are due to an upset

From my previous post about getting into default to an outside collections agency. You might be thinking that getting a credit card can only create damage for your credit rating. Welp, if you are planning

Having a past due account is something that every one of us doesn't want to experience. Dealing with the past due credit can be a pain as the longer we delay on having it resolved, the heavier the

Graduating in 2011 and struggling to find a job in the field I had studied for 4 years the future didn't look bright. I jumped job to job whilst my wife landed a nice career, she supported me for many