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Personal Financial Journal

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  Journal Cover

Your Personal Financial Journal is a workbook used with the lessons to help you plan and track your financial life.

The more knowledge you have, the better your view is for making financial decisions. 


Better Your Financial View with CredAbility U!

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CredAbilityU News

Surviving the Economic Storm
by CredAbility Professor - Monday, 20 October 2008, 09:28 AM
 

 Tips to survive the economic storm

October 10, 2008

As the debate goes on as to whether or not we are in a recession, most consumers agree that they are feeling the impact of our current economic conditions. As the number of available jobs diminishes and the number of foreclosures skyrockets, families are looking for ways to reduce spending and increase income just to make ends meet.

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HOPE NOW Hails Broad Effort to Modify Mortgages Loans
by CredAbility Professor - Monday, 10 December 2007, 12:48 PM
 

Alliance Members Agree to Freeze Rates for Some Borrowers with Adjustable Rate Mortgages

Washington, D.C. – December 6, 2007 – Today, The HOPE NOW Alliance announced its support for a proposal unveiled today by Treasury Secretary Henry Paulson and HUD Secretary Alphonso Jackson that would freeze the rate on a certain category of subprime borrowers with hybrid adjustable rate mortgages scheduled to adjust in the next several years.

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Holiday Shopping without Holiday Debt!
by CredAbility Professor - Monday, 10 December 2007, 12:47 PM
 

Consumer Credit Counseling Service of Greater Atlanta Tips: Proper Planning Can Reduce Post-Holiday Spending Blues

ATLANTA GA, November 7, 2007 — The average consumer plans to spend $923.36 this holiday season, according to the National Retail Federation (NRF). Challenging economic conditions and a bleak housing market will cause many consumers to be more conservative with their holiday spending, but many others will find themselves struggling to pay holiday debt well into spring and beyond.

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Welcome

We have developed this free resource to help homeowners get quick, reliable information on what to do if they fall behind on their mortgage payments. By completing this 6 step process, you will get clear and simple information to help you decide what action to take as your next step.

Each unit is designed to be completed in approximately 15 minutes, so in just a short time you can be on your way to success!

You may visit our Help Section to assist you in getting started or to answer other questions you may have.

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Financial Tip of the Day

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Payment Problem

TIP #2 Contact lenders immediately if you expect to have a payment problem.

Sometimes there are unusual or unforeseen circumstances that make it very difficult or impossible to pay your bills on time. If you find yourself in this situation, it is important that you immediately contact the organization to which you owe money. Often you can set up an adjusted payment schedule that will work for you. Working with the organization can help you avoid additional fees and having your overdue bills turned over to a collection agency.

What risks do you take by contacting your lender if you think there may be a payment problem? What are the benefits?

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