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http://www.embeinc.com/taxonomy/term/1/0 en http://www.embeinc.com/debt-management/power-micropayments <div style="float:left; padding-right: 10px; padding-bottom: 10px; position: relative; top: 17px;"><a href="/debt-management/power-micropayments" class="imagecache imagecache-news_thumb imagecache-linked imagecache-news_thumb_linked"><img src="http://www.embeinc.com/sites/default/files/imagecache/news_thumb/iStock_000006972525XSmall.jpg" alt="" title="" class="imagecache imagecache-news_thumb" width="100" height="100" /></a></div><p>In the No Credit Needed article, "<a href="http://www.ncnblog.com/2009/10/12/how-a-silly-little-experiment-helped-me-get-out-of-debt/">How a Silly Little Experiment Helped Me Get Out Of Debt</a>", you learn the basics of saving a few dollars a day to make a big difference in the debts you have. To get out of debt the quickest, you have to reduce the balances that rack up the interest on a daily basis.</p> <p><a href="http://www.embeinc.com/debt-management/power-micropayments" target="_blank">read more</a></p> http://www.embeinc.com/debt-management/power-micropayments#comments Debt Management debt repayment debt snowball get out of debt micropayments Mon, 07 Dec 2009 17:00:00 +0000 icelink 19 at http://www.embeinc.com http://www.embeinc.com/debt-management/there-such-thing-0-interest-life <div style="float:left; padding-right: 10px; padding-bottom: 10px; position: relative; top: 17px;"></div><p>In MoneyNing's article, "<a href="http://moneyning.com/credit-cards/0-balance-transfer-credit-cards-for-life/">Are 0% Balance Transfer Credit Cards for Life Possible</a>", you learn about the fine print of some of the 0% balance transfer offers that have existed in the past. They mention a couple of credit cards and provide the links for credit cards that offer it for a few months, which are pretty good offers even though the 0% is only for a few months.</p> <p><a href="http://www.embeinc.com/debt-management/there-such-thing-0-interest-life" target="_blank">read more</a></p> http://www.embeinc.com/debt-management/there-such-thing-0-interest-life#comments Debt Management credit cards Fri, 27 Nov 2009 17:00:00 +0000 icelink 14 at http://www.embeinc.com http://www.embeinc.com/debt-management/are-credit-card-companies-boosting-your-rates-no-reason <div style="float:left; padding-right: 10px; padding-bottom: 10px; position: relative; top: 17px;"><a href="/debt-management/are-credit-card-companies-boosting-your-rates-no-reason" class="imagecache imagecache-news_thumb imagecache-linked imagecache-news_thumb_linked"><img src="http://www.embeinc.com/sites/default/files/imagecache/news_thumb/iStock_000001867382XSmall_0.jpg" alt="" title="" class="imagecache imagecache-news_thumb" width="100" height="100" /></a></div><p>Suze Orman's Managing Debt article about <a href="http://www.suzeorman.com/igsbase/igstemplate.cfm?SRC=MD012&amp;SRCN=aoedetails&amp;GnavID=84&amp;SnavID=20&amp;TnavID=&amp;AreasofExpertiseID=151">Credit Card Companies Boosting Your Rate</a> is about the universal default clause that many credit card companies are using as an excuse to raise interest rates on even their best customers.</p> <p><a href="http://www.embeinc.com/debt-management/are-credit-card-companies-boosting-your-rates-no-reason" target="_blank">read more</a></p> Debt Management credit card companies credit card debt credit card rates Wed, 28 Oct 2009 17:00:00 +0000 icelink 9 at http://www.embeinc.com http://www.embeinc.com/debt-management/free-debt-snowball-reduction-calculator <div style="float:left; padding-right: 10px; padding-bottom: 10px; position: relative; top: 17px;"></div><p>The Debt Reduction Calculator gives you simple worksheets to complete to help you get out of debts like credit cards, student loans, and auto loans using the principles of the Debt Snowball strategy. You can <a href="http://www.vertex42.com/Calculators/debt-reduction-calculator.html">download the worksheets free</a>, and they allow you to calculate which method works best for your situation - paying highest interest debt first or paying lowest balances off first. You can see the results and the amount of time they will take with these free downloaded worksheets.</p> <p><a href="http://www.embeinc.com/debt-management/free-debt-snowball-reduction-calculator" target="_blank">read more</a></p> http://www.embeinc.com/debt-management/free-debt-snowball-reduction-calculator#comments Debt Management debt calculator debt snowball Thu, 15 Oct 2009 23:05:03 +0000 icelink 3 at http://www.embeinc.com http://www.embeinc.com/debt-management/get-out-debt-debt-snowball-method <div style="float:left; padding-right: 10px; padding-bottom: 10px; position: relative; top: 17px;"><a href="/debt-management/get-out-debt-debt-snowball-method" class="imagecache imagecache-news_thumb imagecache-linked imagecache-news_thumb_linked"><img src="http://www.embeinc.com/sites/default/files/imagecache/news_thumb/iStock_000009258023XSmall.jpg" alt="" title="" class="imagecache imagecache-news_thumb" width="100" height="100" /></a></div><p>Financial advisers talk about getting out of debt by putting your debts in order of the highest interest rates to the lowest. The idea is to pay the minimum payments on the lower interest rates and throw all your extra money towards the highest interest debt first. In theory, this is a good idea to save you interest costs, but what if your higher interest debts have large balances and the lower interest ones have smaller balances? It can take a long time to pay anything off. The <a href="http://www.getrichslowly.org/blog/2006/09/28/in-praise-of-the-debt-snowball/">debt snowball method</a> works better for many people because the psychological feeling of getting out of debt motivates them to stick with it.</p> <p><a href="http://www.embeinc.com/debt-management/get-out-debt-debt-snowball-method" target="_blank">read more</a></p> http://www.embeinc.com/debt-management/get-out-debt-debt-snowball-method#comments Debt Management debt repayment debt snowball get out of debt Wed, 14 Oct 2009 22:21:09 +0000 icelink 1 at http://www.embeinc.com