I know it feels like forever since I have posted here, but I am back for good! This has been a rough semester with a lot of opportunity presenting themselves that were just too good for me to pass on. I am back for good though! I am dedicated to having at least 4-5 post fresh post on the site every week. I am also bringing back roundup Thursdays! I hope you all still love SS as much as I do! Also all of my yakezie friends look to see me in your comment sections! I am coming to take them over.  I have some interesting post coming down the pipeline. IT’S 2012 lets all be winners this year hey it may just be our last!

When you are drowning in debt there are many times when you may think or feel that there are not any options to consider outside of a flat-out bankruptcy when there are actually many different options that you have at your disposal. One of the best options you could use is a debt consolidation loan. A debt consolidation loan is a loan that is granted to a person to roll and bundle all of their debt into one loan and one payment. This could very well be the tool you have been looking for to help you deal with your debt. Debt is a problem generally of overspending or living beyond your means. There are times when your debt gets out of hand and you may need a debt consolidation loan.

1. Credit card debt is out of control

There may come a time when you look at all of your monthly payments and statements only to realize that your credit card debt has slowly crept upon you and taken over your finances. A debt consolidation loan is the perfect tool to bundle all of your credit card debt into one simple loan with one simple monthly payment. The only downside is that it will probably take you much longer to pay your debts off with a debt consolation loan.

2. Too much personal unsecured debt

Bundling all of your debt into one loan is the best way to get control of your financial situation. There are times that call for a personal loan or two to be called upon, but when the repayment process becomes too much to handle. You should bundle your debt into a debt consolidation loan if you find yourself in this situation.
There are many times when we find ourselves in situations we did not predict, and the debt consolidation loan could be the bailout you need.

There are many tools that can help you determine what exactly would be the best credit cards for your personal financial situation so you do not get stuck with a card that is counterproductive to your goals or short changes you on the benefits that you very well could be receiving with a different card. Many websites will provide you with a questionnaire or survey that you can take and use to describe what exactly you would be looking for in your credit card and the level of service you would be looking to receive from the company you will be choosing to receive credit from. The beauty of these websites and many of the tools that credit card companies may provide is that they are able to match you up with the best card available for based on what you are looking.   There are some cards that allow you to rack up tons of frequent flyer miles or hotel nights based on how much u spend and how often you use the card.  This would be an option that would fit well with a frequent traveler.

There are a variety of credit cards that provide ash back bonuses that could help any small business with growth.  A five percent cash back bonus could equate to $100 cash back on $2000 of spending. That would equate to a bonus of $1200 on spending you would have done ordinarily. The key to credit cards is finding the one that works best for you and build with it.  There are cards available for everyone ranging from the person that has years of established credit to the person who has bad credit to the person that is just getting their feet wet in the credit card game.  Once you figure out what card is best for you, everything else will fall into place itself.

The following is a guest post from MoneySupermarket.com

What is the 60% Savings Solution?

Spending. Saving. Budgeting. These are issues that are major sources of stress to many people. Those who want to get a better grip on their finances and who want to start saving money and spending wisely often start by making a budget. Unfortunately, making a budget and living with one are two different things. Even those with the best of intentions may find it hard to keep their spending neatly within categories and to be accountable to the budget they set for themselves. For those looking for a simpler and less cumbersome alternative, the 60 percent solution may just be the answer.

What is the 60 Percent Solution?

The 60 percent solution is an alternative to making a detailed budget and it is a much simpler alternative. The basic premise behind the 60 percent solution is that you can achieve all of your financial goals and get into a great financial situation without budgeting, if you simply divide your income into appropriate percentages.

True to the name, the 60 percent solution allocates 60 percent of your income to a specific purpose. In the 60 percent solution, the aim is to keep all of your committed expenses below 60 percent of your income. Committed expenses include things like your mortgage payment, utility bills, food and clothing expenses, money given to charity, taxes and bills for both essentials (water, electricity) and non-essentials (cell-phones and satellites). All of these total expenses should fall at or below 60 percent of your income.

With the remaining 40 percent that is left over, you’ll put that money towards achieving different financial goals. Ten percent of it should go into retirement accounts that will help you to ensure a secure future. You should try to pay yourself this money first whenever possible and may wish to look into saving the 10 percent of your income in a tax-advantaged account such as a 401K, an IRA or a Roth-IRA. This will help you to maximize the value of your savings and grow your money more quickly.

Consider long-term savings accounts for another 10 percent of the money that you have remaining. Long-term savings should be used to help you accomplish longer-term financial goals. This money can be invested in stocks or bonds, or put into other types of investment accounts, but it shouldn’t be that easy to access and it shouldn’t be something you tap into regularly.

Another 10 percent of your remaining cash should go towards short-term savings. This will cover larger expenses that you need money for but that come up routinely. Things like vacations and car and home repairs can be paid for out of your short-term savings. Money Supermarket.com can help you to identify a good savings account to keep this money in so that the money is accessible to you when you need it.

Finally, the last ten percent of the cash you have left over will go towards fun money. This is money that you can use to do whatever you want and money you can spend without hesitation and guilt. You’ll be surprised to find that this can actually make spending a lot more fun since you won’t be worried about whether you are spending more than you should.

With the right accounts found through moneysupermarket.com, sticking to the 60 percent solution should be simple and easy and should help you to make your financial picture a good one.

The internet has become one of the best tools available for people in the market to purchase a home and find the correct mortgage for them to use in the process. The internet is the new super high way on information and can help you prepare for the steps you are about to take when seeking a mortgage or a buy to let mortgage .  The key to getting the right mortgage for you and your family is to conduct the proper research and use the tools that you have available to you at your disposal to conduct the research needed to make an informed decision.  The mortgage you choose to use to purchase your home will ultimately be the primary tool that decides your future availability of credit for yourself and your family. A mortgage  interest calculator could very well help you choose the best mortgage for yourself and your family. The e-mortgage calculator is one of the best tools any person could have in their arsenal to help in the planning process that must take place when making a major financial decision as purchasing a home or taking out a mortgage on an existing property.

This could be one of the few tools that could very well aid you in the developing of a plan that you could use when you sit down with the bank you choose to take a loan or mortgage from. An e-mortgage calculator could very well help you determine how much and at what rate you will accept for the term of your mortgage.  The internet has made things very accessible and convenient as well as taking away the excuse of ignorance being bliss. If you would like to make the best financial decision of your life on what very well could be the largest asset you could ever purchase it would be prudent to use a e-mortgage calculator to help plan for this event.