Dave 's Blog
last updated on: Oct. 19, 2016 04:13AM

About the author

Dave Kelly  here, I am  a pastor and an internet marketer. I live in Jamaica West Indies. I have been online over four years, my main focus is affiliate marketing.


My objective is to assist people to earn an income online.

Looking forward to working with you to your success.

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Categories
Investment and Finance
Advertising and Marketing
Affiliate and Online Marketing
Home Business
Health and Beauty
Social Media Marketing
Conversation and the Environment
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Latest blog posts
How to Feed Birds in the Winter
[Oct. 19, 2016 04:13AM]
Hybrid Cars The Future of Cars Is Finally Here
[Oct. 19, 2016 04:06AM]
First of all, what is a hybrid car?
[Oct. 19, 2016 04:00AM]
The Best Coupon Tips On The Web
[Oct. 19, 2016 03:55AM]
Tips And Strategies On How To Maximize Your Personal Finances
[Oct. 19, 2016 03:50AM]
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    Tips And Strategies On How To Maximize Your Personal Finances [Oct. 19, 2016 03:50AM]   
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Personal finance is a topic of heightened interest to many in light of the recent economic downturn. However, with the right information, it is possible to save money and pave the way to a bright financial future. Use the tips in this piece to get started on your personal plan today.



Have a plan for dealing with collection agencies and follow it. Do not engage in a war of words with a collection agent. Simply ask them to send you written information regarding your bill and you will research it and get back to them. Research the statue of limitations in your state for collections. You may be getting pushed to pay something you are no longer liable for.

If you can afford it, try making an extra payment on your mortgage every month. The extra payment will apply directly to the principal of your loan. Every extra payment you make will shorten the life of your loan a little. That means you can pay off your loan faster, saving potentially thousands of dollars in interest payments.

If collectors are harrassing you for repayment of debts, try and do some negotiating with them. Chances are that they bought your debt for a low price. For this reason many will accept an amount less than what was originally owed. By taking advantage of how this system works, you can pay off old debts for less than what you owe.

By using coupons whenever possible one can make the most of their personal finances. Using coupons will save money that would have been spent without the coupon. When thinking of the savings as bonus money it can add up to a monthly phone or cable bill that is paid off with this bonus money.

When you have to go to the store, try to walk or ride your bike there. It'll save you money two fold. You won't have to pay high gas prices to keep refilling your car, for one. Also, while you're at the store, you'll know you have to carry whatever you buy home and it'll keep you from buying things you don't need.

There is no doubt that personal finance has taken a more significant role in the lives of millions in the past few years. Education is critical for anyone looking to make smart decisions and get themselves on sound financial footing. Take the guidance in this article to heart, and you will have the tools you need to succeed.

 
   
    


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