Live On Less Money
Yes, it is possible to stay debt free or to get out of debt by living on less money. It's not just possible, it's necessary if you and your family are going to be financially free. Credit card companies and merchants want you to live the high life now, to buy, buy, buy. But that kind of lifestyle, not supported by real income, leads to overwhelming debt and eventual bankruptcy. Living on less now can keep you from the devastating blow of financial ruin and make possible a future that is debt-free and a future that allows you to buy the luxuries you want without endangering your financial future.
Resources to Live on Less Money
Living on less money starts with a plan. These resources offer advice on ways you can plan a budget, learn to live on less, and become financially healthy. These techniques work whether you're overly burdened by debt or just starting out in life.
13 ways to live well on less
Every dollar you spend has consequences elsewhere in your life. Remembering that will change the ways you spend and save.
Financial Goals
Your attitude toward money determines how much money you need, how hard you're willing to work for it, and how you'll feel if you achieve your goals. Setting concrete and measurable financial goals will help achieve your goals and hopefully, enable you to live the life you've always wanted.
Financial Freedom
Information and resources to help with personal financial freedom in the following areas: auto, home, debt, insurance, budget, saving, long-term, giving, children.
Crown Financial Ministries
Equipping people worldwide to learn, apply, and teach God's financial principles so they may know Christ more intimately, be free to serve Him, and help fund the Great Commission.
66 Ways to Save Money
Practical ways to cut everyday costs on transportation, insurance, banking, credit, housing, utilities, food, and more.
Resources to Help You Overcome the Burden of Debt
If you've made the mistake of taking on more debt that you should have and now have creditors after you, you can work you way out of the situation. It's going to be harder than living on less before you had a burden of debt, but you can do it. Before you make decisions about a credit counselor or bankruptcy, read about your options so you can make good informed decisons. There are also resources to help you avoid being taken by credit card marketing scams.
Fair Debt Collection
Federal Trade Commission facts for consumers
Read Up! How to be an Informed Consumer
Information on how to handle debt, avoid scams, and understand information security.
Your Rights: Credit Reporting
Wondering about those free credit reports that always seem to ask for money? Learn about your rights to your own credit report.
Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education
Credit counseling and educatin requirements.
Credit Repair: Self Help May Be Best
Avoid credit repair scams.
Fiscal Fitness: Choosing a Credit Counselor
Defines debt repayment plans, explains the differences between secured and unsecured debt, and offers questions to ask credit counseling agencies if you consider using their services.
For People on Debt Management Plans: A Must-Do List
Lists must-dos for anyone with a Debt Management Plan, and the steps to take if the credit counselor handling your DMP has gone out of business. Also offers a list of questions to ask when choosing a credit counselor.
Knee Deep in Debt
If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Tips on getting back in the black.
Mortgage Payments Sending You Reeling? Here’s What to Do
For consumers who may be having trouble paying their mortgage. Explains options to help save their homes, and how to recognize and avoid foreclosure scams. 8.5"x11", 4 pages.
Secured Credit Card Marketing Scams
A secured card requires you to open and maintain a savings account as security for your line of credit; an unsecured card does not. Describes common advertising and marketing scams for secured credit cards.