do it yourself

Things you can do yourself to improve your financial situation

Encrypt Your Important Documents and Store them Online Free

In his comment on my Organizing and Protecting Your Financial Documents post, MoneyCone made the point that you can encrypt your files yourself and store them with Google. Quite true. Google gives you 1GB of space for files you upload but don’t convert to Google Docs. This is usually more than enough space for your … Continue reading

What to do if Your Identity is Stolen

What do you do if your identity has been stolen despite your best efforts to protect yourself from identity theft? Unfortunately, if you’ve been a victim of identity theft it could take quite a long time to clean up the damage the thief does to you. One of the things that makes this crime such … Continue reading

How to Protect Yourself from Identity Theft

This is a serious post about a very serious problem – identity theft. You can be great at managing your budget, saving money, staying out of debt and so on and still have your finances ruined by identity theft. It is estimated that annual financial losses from identity theft exceed $50 billion. Identity theft occurs … Continue reading

DIY Microwave Popcorn Recipe

This post about microwave popcorn on Debt Free 4 Ever is 100% correct about both the cost and benefits of making your own popcorn. Let’s face it we all know that microwave popcorn is stupidly overpriced and contains crap we don’t really want to eat (artificial flavors and preservatives anyone?). We buy it and eat … Continue reading

Debt Snowball

This method of debt elimination is advocated by several financial experts. It’s been around a long time. The most important thing about this debt elimination technique is that it requires sufficient income to enable you to pay something more than the minimum monthly payments on your debts. Currently the minimum monthly payment on credit card … Continue reading

Should you Settle your Debt Yourself

You can settle your debt yourself. Whether you should do so or not depends on what is most important to you. Settling your debt yourself takes an investment of your time. It requires you to put in some effort into organizing your finances (and records). It also requires a bit of a thick skin. Debt … Continue reading

Debt Settlement Pros and Cons

Debt settlement is for people who are unable to make the minimum monthly payments on their debts and cannot afford the required payment for credit counseling programs. People who experienced a long-term loss of income for any reason are good candidates for debt settlement. Debt settlement, particularly if you do it yourself, is very flexible … Continue reading

What is Debt Settlement?

Debt settlement, also called debt negotiation, is a method of debt management in which an agreement is made with a creditor to accept some amount less than the full balance as payment in full on a debt. Debt settlement is useful for eliminating unsecured debt. Unsecured debt is a debt that is not tied to … Continue reading

What is a Money Mess?

A money mess is any circumstance where someone is insolvent or is not financially viable. To ensure everyone is on the same page, I’m going to expand and clarify that definition quite a bit. If you want to straighten out a money mess, you have to have a complete understanding of what it is. Let’s … Continue reading