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Articles from Samantha Seiffert | Selfgrowth.com
- Debt Relief Motivator: Set Up Debt Milestones - by Submitted on Apr 17, 2013 from Samantha SeiffertIf you look at the statistics, most of the debt relief options have a high rate of debtors who gave up and never finished what they started. This can be caused by a lot of things. It can be due to insufficient funds or they found a better way to pay for their credit obligations. But most of the ...
Views: 1873 - SelfGrowth: How To Prioritize Between Debts And Expenses Despite A Limited Income - by Submitted on Apr 16, 2013 from Samantha SeiffertOne of the factors that make a life in debt very difficult is the fact that you need to squeeze in your credit payments on top of your usual expenses. In most cases, the additional amount is not enough to cover both. When faced with this scenario, you need to choose between your debt and your ...
Views: 1841 - How To Bounce Back From The Financial Crisis Brought By Your Debt - by Submitted on Apr 16, 2013 from Samantha SeiffertWhen you are in debt, you realize that rebounding from the financial crisis will be your biggest aspiration at the moment. Your very thoughts will be filled with the desire to get yourself out of it. This is a natural response for anyone who is burdened with credit obligations that have gone out ...
Views: 2143 - How To Keep Discouragement From Ruining Your Debt Relief Efforts - by Submitted on Apr 09, 2013 from Samantha SeiffertIf you think about it, your greatest opponent in debt relief is actually yourself. Despite the effectivity of the debt relief option that you will choose, if you cannot commit to it, you will find it very difficult to get out of your credit problems. In most cases, people start with their ...
Views: 1654 - Tips To Practice Smart Spending Habits - by Submitted on Apr 02, 2013 from Samantha SeiffertIf you want to stay out of debt, there are a couple of habits that you need to develop first. These include budgeting, saving and smart spending. All of them are needed in proper financial management. Of the three, smart spending is the habit that will literally keep you from accumulating debt ...
Views: 2372(3 votes) - How To Make A Frugal Budget - by Submitted on Mar 26, 2013 from Samantha SeiffertSubmitting to a budget can prove to be life changing. It can literally alter how you live every day because of the expenses that you have to let go or change. The usual scenario for a budget is to make sure you spend less and some people are hesitant to go about this change because of it. ...
Views: 1793(1 vote) - What Not To Do During Debt Negotiation - by Submitted on Mar 26, 2013 from Samantha SeiffertDebt settlement is an effective debt relief solution and the great news is, you can do it on your own. Some people think that this is best left in the hands of a professional. While there is nothing wrong with that, there is a service fee that you need to pay for on top of the actual settlement ...
Views: 1631 - How To Make Smart Debt Decisions - by Submitted on Mar 26, 2013 from Samantha SeiffertWhile debts should really be avoided, you need to understand that there are smart ways to go about your debt decisions. In today’s fragile economy, you really have no choice but to practice wise spending habits. Gone are the days when you can just swipe your cards for every little purchase ...
Views: 1666 - How To Organize Your Personal Finances - by Submitted on Mar 19, 2013 from Samantha SeiffertOrganizing your personal finances is not an easy feat especially if you are used to spending left and right. However, recent economic struggles shook us from our comfort zone and our sense of financial security. What you thought worked before cannot remain to be your lifestyle now. While a ...
Views: 1883(2 votes) - Tips To Build Up Your Emergency Fund - by Submitted on Mar 19, 2013 from Samantha SeiffertBuilding up your emergency fund will save you a lot of headaches in the future. You owe it to yourself to make sure that your future will be spared from the stress of dealing with a problem without any hope for financial assistance. Think about it. Wouldn’t it be great to be able to face your ...
Views: 1498 - Cost Friendly Weekends For People In Debt - by Submitted on Mar 11, 2013 from Samantha SeiffertWho ever said that you should stop having fun when you are in debt? Even if your budget is limited and most of your extra money is going to your debt payments, that does not mean you should suck out all entertainment activities. You can choose among many cost friendly activities that may ...
Views: 1500(1 vote) - How To Minimize Debt Payment Obligations - by Submitted on Mar 11, 2013 from Samantha SeiffertBeing in debt puts you in a different level of financial restriction. You need to understand that you need to put as much amount into your debt payments as you possibly can. That could mean increasing your income or decreasing your expenses. The difference between the two will be your disposable ...
Views: 1462 - What Budget System Should You Use For Financial Management? - by Submitted on Mar 05, 2013 from Samantha SeiffertA budget is not the easiest plan to follow. At the very least, it takes some time to get used to monitoring every penny that you spend on a daily and monthly basis. This is actually why some people are not enthusiastic in submitting themselves to these plans. Not only do they perceive it to be ...
Views: 1572(1 vote) - Tips To Minimize Your Grocery Expenses - by Submitted on Mar 04, 2013 from Samantha SeiffertBudgeting is one of the key aspects in proper financial management. It does not matter if you were forced to budget because of your debt or a looming purchase that requires a huge amount of savings. Financial management is important to make sure you have a healthy household wealth. Part of ...
Views: 1501(1 vote) - The Benefits Of Bringing A Brown Bag To Work - by Submitted on Mar 04, 2013 from Samantha SeiffertThat brown bag seems like too much of a chore but if you are currently tight in cash, you may want to reconsider. When you eat out, you do not only spend more, you are also usually rushed as you compress the actual meal time and the travel to and from the dining spot. You should also consider ...
Views: 1786 - How to Get Financial Aid for Single Moms - by Submitted on Mar 01, 2013 from Samantha SeiffertBeing a single mom can be quite a challenge. It is all the more difficult when you have limited resources that is not enough to support the household. The good news is there are financial assistance programs that are directed towards single moms. While circumstances have left them solely ...
Views: 1302 - 3 Debt Negotiation Tips To Ensure Debt Freedom - by Submitted on Mar 01, 2013 from Samantha SeiffertGetting out of debt is undoubtedly the hardest thing that you will ever encounter. The road towards debt freedom is filled with frustrations, discouragements and temptations. Having to squeeze all your expenses to fit your limited budget is no easy feat and this is why a lot of people opt to ...
Views: 1453 - How To Rebuild Your Life After Debt - by Submitted on Feb 18, 2013 from Samantha SeiffertGetting out of debt is an ordeal that not everyone can actually complete. It is riddled with frustrating moments, strength draining efforts and a various temptations that can really put some stress into your debt relief program. But if you stay true to the whole plan, you may just find ...
Views: 1897(1 vote) - Budget Problems? How to Make Sure Your Budget Works - by Submitted on Feb 12, 2013 from Samantha SeiffertFinancial freedom is attained if you can implement proper financial management. In relation to that, proper management can be done through effective budgeting. So if you want to achieve financial freedom, you need to make sure that your budget works. Unfortunately, not everyone is successful ...
Views: 1784(2 votes) - Is There Such a Thing as Good Debts? - by Submitted on Feb 11, 2013 from Samantha SeiffertHave you ever heard the phrase “good debt”? Is there such a thing? If you ask anyone who had been in debt, there is no good debt. On that note, there is no bad debt either. What you have is a credit obligation that can turn for the worse depending on how you respond to it. Debt is just debt. ...
Views: 1358(1 vote) - Financial Management Habits to Keep You from Debt - by Submitted on Feb 11, 2013 from Samantha SeiffertIf you want to stay out of debt, all you need to do is to practice some financial management skills. The bottom line of managing your finances is to help you live within your means. Given the debts being acquired left and right, this is a necessary lifestyle to have. But the question is, what ...
Views: 1776(2 votes) - How to Deal with a Maxed Out Credit Card - by Submitted on Feb 11, 2013 from Samantha SeiffertCredit card debt is very easy to fall into. The allure of being able to acquire things and services despite lacking the physical money to pay for it is very strong. This is why a lot of people usually end up maxing out their cards. When you have maxed out your cards, this means you reached ...
Views: 1739(1 vote) - How to Make the Most Out of Your Money - by Submitted on Feb 05, 2013 from Samantha SeiffertAfter every economic crisis, society becomes cautious of how they spend their money. As they slowly get out of the slump, they hold on to their finances for fear of a sudden downward spiral that will send them back to another financial crisis. Well the good news is the country’s economic ...
Views: 1237(1 vote) - Use Your Mind as a Debt Relief Tool - by Submitted on Feb 04, 2013 from Samantha SeiffertHave you heard about the laws of attraction? For someone who is deep in debt and is desperately trying to get out, you may want to believe just about anything that you read. Well here is one concept that you may want to wrap your head around to - the power of the mind. Not everyone practices ...
Views: 1318(1 vote) - Help Your Small Business Get Out of Debt - by Submitted on Feb 04, 2013 from Samantha SeiffertGetting your small business out of debt requires a lot of planning, work and possibly significant changes in your company. For some entrepreneurs, they think that the only way for them to get out of debt is to immediately file for bankruptcy. But before you do that, your business may be worth ...
Views: 1556(2 votes) - Don’t Let Bankruptcy Ruin You: Just Grow Your Income - by Submitted on Feb 04, 2013 from Samantha SeiffertBankruptcy is a feared word and situation for people in debt because it has the power to leave your financial life in ruins afterwards. The state of your credit score alone should be enough to scare you to your wits and take you running towards the other direction. Before we proceed, we need ...
Views: 1371(1 vote) - Dealing with Debt Desperation - by Submitted on Feb 04, 2013 from Samantha SeiffertOne of the greatest enemies that you have to overcome while in debt is yourself. There are many issues to address like your spending habits, financial management skills and most of the time, your overall lifestyle. Dealing with debt can be a painful and frustrating experience that requires ...
Views: 1344(1 vote) - Household Expenses We Usually Forget in the Budget - by Submitted on Feb 01, 2013 from Samantha SeiffertBudgeting is a great way to manage your finances. However, there are cases when we forget to include a couple of very important and expensive expenses. When we fail to recognize and prepare for these costs, we end up putting our budget plans at a serious disadvantage. We end up having to eat up ...
Views: 1782(2 votes) - What To Do After Achieving Debt Freedom? - by Submitted on Jan 30, 2013 from Samantha SeiffertDebt freedom is a component of financial freedom. This is a time when you have paid off all your debts that has haunted you for a long time. This is a great achievement that did not come easy and you would want to keep it that way. After you have paid off your debts, you still need to exercise ...
Views: 1322 - What is Household Wealth and How Do you Make it Grow? - by Submitted on Jan 30, 2013 from Samantha SeiffertDid you know that your household wealth affects the local economy? By growing your household wealth, you are actually contributing to the overall state of the country’s economy. It is one of the things that is measured to identify if a country is in good and stable financial condition. While ...
Views: 1098(1 vote) - Abundance and Frugality: Should You Earn More or Lower Your Spending? - by Submitted on Jan 29, 2013 from Samantha SeiffertWhen you have to pay off your debts, you have a decision before you: do you earn more or do you lower your spending? Both of these choices have their own pros and cons. Ultimately, your choice will depend on what you are willing to sacrifice. Earning more will help you keep the lifestyle that ...
Views: 1376(1 vote) - Saving Tips for Your Home - by Submitted on Jan 25, 2013 from Samantha SeiffertWhen you know that you have been living beyond your means (a.k.a. you’ve got a huge balance on your card bill), there are two things that you can do. One is to grow your income so you can afford all the expenses that you got used to spend on. This may be effective but you may find that spending ...
Views: 1022(2 votes) - Small Business Debt: Know Your Debt Relief Options - by Submitted on Jan 24, 2013 from Samantha SeiffertPutting up a business can be a huge gamble. You have to be very careful because you could lose the investment that you shelled out for it. Having a small business entails a huge responsibility. It can get a bit stressful - especially when you are just starting. That is also true when your ...
Views: 1159(1 vote) - Must-Have Habits While in a Debt Relief Program - by Submitted on Jan 22, 2013 from Samantha SeiffertApplying for a debt relief program is a great way to start heading towards a debt free life. However, that is only half the battle. You will encounter a lot of realizations as you go deeper into your debt relief efforts. Most of these will involve changing a few habits that will get you out of ...
Views: 1174 - How Will You Benefit From Credit Score Monitoring? - by Submitted on Jan 21, 2013 from Samantha SeiffertDid you know that monitoring your credit score can help you avoid financial problems in the future? In the same way that a temperature can help identify if you are sick or not, your credit score measures the health of your finances. So if you are in the process of repairing your financial ...
Views: 1545 - How to Manage Debt Payments When You Are Short in Cash - by Submitted on Jan 15, 2013 from Samantha SeiffertDebt is a frustrating situation to be in - especially when you can barely make ends meet and you still have to worry about paying your credit. At the back of your mind, you know that it is your responsibility to pay them off even if you have no money to do so. So what do you do when you have ...
Views: 1411 - Using Your Debt as a Fuel for Success - by Submitted on Jan 14, 2013 from Samantha SeiffertAnyone who had been in debt can attest to how devastating it can be. Not only does it paint a picture of financial failure, it also shows the world just how incapable you are of handling your own money. Or does it? More specifically, the question is, will you allow it to portray you that ...
Views: 1116(1 vote) - How Debt Should Not Stunt Personal Growth - by Submitted on Jan 14, 2013 from Samantha SeiffertIf there is anything that the recent recession taught us, it is the fact that money is not the main marker for happiness, even though it does have a hand in helping us grow. It is true that personal growth is quite important for anyone who wants to enjoy life. You all heard it before, how ...
Views: 1184(2 votes) - What Your Kids Need to Learn About Debt - by Submitted on Jan 14, 2013 from Samantha SeiffertMoney had always been a sensitive topic. It is also a crucial lesson that you need to teach your children. So if you are deep in debt, you need to clue in your children on the real situation of your finances. There is nothing wrong with being honest with your kids about financial matters. ...
Views: 1468(3 votes) - How to Achieve Financial Independence for Women - by Submitted on Jan 14, 2013 from Samantha SeiffertWhether you are married or single, it is important for women to know how to be financial independent. This goes beyond being able to afford your own things. It is more of knowing how you can manage your finances so you are able to live within your means. Financial independence means you are ...
Views: 1952 - How to Use the Snowball Method to Achieve a Debt Free Life - by Submitted on Jan 08, 2013 from Samantha SeiffertDebt relief options vary and your choice will depend on your financial capabilities. As effective as they all are, you need to understand that most of them are suited for people who are in a real financial crisis. There are consequences to your credit score and if you do not want that on your ...
Views: 1282 - How to Start Saving for the Rainy Day - by Submitted on Jan 07, 2013 from Samantha SeiffertSaving really goes a long way and it may sound like a cliche but it can save your life. Given the right situation, you will find that it can get you out of really tight spots or provide for you and your family in the event that you are unable to do so. While the concept is not hard and it ...
Views: 1564(1 vote) - Things You Should Have Learned From The Recession - by Submitted on Jan 07, 2013 from Samantha SeiffertThe best lessons are those taught during the darkest moments of our lives. That is why with the economic troubles of recent years, there are bound to be a lot of realizations and learnings along the way. As we all struggled to grasp the unemployment, mounting debts and other financial ...
Views: 869(1 vote) - Important Household Expenses Your Should Rethink This 2013 - by Submitted on Jan 07, 2013 from Samantha SeiffertThe new year brings a chance to change something about our life. Why don’t we make sure that change is for the better? As the turn of the new year happens, it is just about time for us to rethink a lot of things about our lives. One of them are household expenses. We’ve all grown accustomed ...
Views: 1108 - Women and Money Matters: Tips in Personal Finance - by Submitted on Jan 07, 2013 from Samantha SeiffertEven though we want to think of our society as being very modern, there is something different about the way we accept situations wherein women are taking the lead. We are all used to seeing them govern households. However, when it comes to the workplace, business or anything related to income ...
Views: 1396 - Women in Debt: Creating a Household Budget Despite Your Debts - by Submitted on Jan 02, 2013 from Samantha SeiffertAs the woman of the house, the task of managing the household budget falls on your shoulders. It is not an easy task especially when the children are asking for something that you know the budget cannot afford. Juggling the bills payments, food, lodging and other expenses can be quite a ...
Views: 1140(1 vote) - Why Financial Freedom is a Team Effort - by Submitted on Jan 02, 2013 from Samantha SeiffertHave you ever struggled to accept the debts of a spouse or a family member? With the onslaught of financial problems during the recession, a lot of marriages failed and families were permanently destroyed because of debt. It is quite unfair that the whole family has to suffer just because your ...
Views: 1186(1 vote) - How to Plan Your Debt Reduction Strategy - by Submitted on Jan 02, 2013 from Samantha SeiffertCreating a debt reduction strategy is not really difficult but it is important in ensuring debt relief success. Since the real challenge is in implementing your strategy, you have to set yourself up by making sure the plan you will create is doable and is the best way towards financial ...
Views: 1158(1 vote) - Go On A Debt Diet to Achieve Financial Freedom - by Submitted on Jan 02, 2013 from Samantha SeiffertIf you want to achieve financial freedom, you may want to adapt the same principles as getting your ideal weight. If you think about it, they are both hard, require discipline and a lifestyle makeover to maintain a debt free life. When you go on a debt diet, you need to decide for yourself ...
Views: 1197(1 vote) - Tips in Choosing the Right Second Job that Will Not Burn You Out - by Submitted on Dec 26, 2012 from Samantha SeiffertEveryone seeks financial freedom and independence. This may be from too much debt, a desire to purchase a big ticket item, a dream to start investing or to simply start your own business. Whatever it is, the need to increase your monthly income is crucial in achieving this. There are a couple of ...
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