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Debt

Debt. It can be used wisely to help free up money to build wealth, but most of us struggle with debt. Take a look at articles that help you deal with debt and eliminate your bad debt.

Send Credit Card Companies A Message By Using Cash Only

Published or updated January 2, 2013 by Melissa

Using cash instead of credit cards

A few years ago, it was a credit card user’s world. As long as you paid on time and didn’t go over your limit, you could have your choice of credit cards and interest rates.  However, with the Credit Card Accountability, Responsibility, and Disclosure Act (CARD Act) that went into effect last year, meant to crack down on credit card companies, consumers are finding that they are paying higher interest rates.  In addition, it can be harder to negotiate a lower interest rate.

I had a credit card for over 15 years that routinely offered an interest rate below 10%.  Now, the interest rate is 15.99%.  When I called to have it lowered, they would not negotiate with me as they had in the past.  When I threatened to take my business elsewhere, they were unfazed.  “Sorry,” I was told, “there is nothing we can do at this point.”
[Read more…] about Send Credit Card Companies A Message By Using Cash Only

Filed Under: Bank, Credit Cards, Debt Tagged With: cash only, credit cards

How to Make Your Financial Goals a Reality

Published or updated April 9, 2013 by Glen Craig

Supre Charged Guide to Financial Freedom

Do you have a solid plan that will make your financial goals a reality?

Craig has recently written some excellent articles on how to create SMART goals.  These are goals that are specific, measurable, attainable, relevant and time-bound.

However, setting financial goals is just the first step.  Once you have your aspirations properly identified, you’ve got to follow a concrete, actionable plan to move from where you are to where you want to be.

You need a map and directions to reach your desired destination, one that lays out your path in a step-by-step manner.

Financial Goals without a Plan are Pointless

[Read more…] about How to Make Your Financial Goals a Reality

Filed Under: Debt, Personal Finance Tagged With: get out of debt, my super charged life, smart financial goals, super charged guide to financial freedom

Lending Club Peer to Peer Lending for Investors and Borrowers – Review

Published or updated May 23, 2013 by Glen Craig

Compare Returns for Lending Club vs Alternatives

Lending Club is an online website that offers a unique borrowing and investing model to individuals who need funds and those who are looking to make some money.

Credit-worthy, pre-screened borrowers are paired up with savvy investors in what Lending Club calls a win win situation for all.  Peer to Peer or Person to Person lending is the basis of the site.  Investors sign up to make money and borrowers sign up to reduce their cost of paying back debt.  In summary, investors fund loans for approved borrowers.  Borrowers save over bank interest rates and investors profit with returns as high at 9% annually (about the average).

Information for Investors


Lending Club
Investors make their money from Lending Club when they invest in 3 to 5 year notes.  Investors get to choose which notes they want to purchase by looking through selection criteria.  Once you purchase a note you will then begin to receive monthly payments directly from Lending Club as the note is being paid back by the borrower.  Lending Club will take 1% of each payment for their fee and you get to keep the rest.  You make your money on the interest collected.  Since 2007, when Lending Club was launched, investors have earned, on average, a net annualized return of 9.5%.
[Read more…] about Lending Club Peer to Peer Lending for Investors and Borrowers – Review

Filed Under: Credit Cards, Debt, Investing, Review Tagged With: lending club review, lendingclub.com, p2p lending, peer to peer lending, person to person lending

Shred Your Credit Card – Giving Away Over $2000 to See You Destroy Your Credit Card

Published or updated April 3, 2013 by Glen Craig

Shred Your Credit Card

Are you sick of your credit card? A lot of people are!  Now you have a chance to win cash prizes by destroying your credit card.

Perkstreet Financial and Lending Club are teaming up to help people end their reliance on credit cards. They are declaring January 31,2011 Shred Your Credit Card Day.  When credit isn’t used wisely it can snowball into tremendous debt.  Perkstreet and Lending Club want you to know there are alternatives to using a credit and that you can end your debt!

Shred Your Credit CardFrom December 15th, 2010 through January 29th, 2011, can can enter a video of yourself destroying your credit card(s) or why you are done with credit in 2011. Upload the video to ShredYourCreditCard.com and you can be entered to win!

Why you should participate (from the ShredYourCreditCard site):

[Read more…] about Shred Your Credit Card – Giving Away Over $2000 to See You Destroy Your Credit Card

Filed Under: Bank, Credit Cards, Debt Tagged With: debit card, eliminate debt, lending club, perkstreet online checking, shred your credit card

What Is Peer to Peer (Person to Person) Lending?

Published or updated March 28, 2013 by Glen Craig

There has been a lot said about peer to peer (P2P) lending lately. With the economy and credit market crunch making it difficult to get more traditional loans, “alternative” lending opportunities are arising.  Peer to peer lending is a way for those who might be turned down by a bank to get the loans that they want/need, while providing an opportunity for investors to make some money by lending to others.

What is P2P (Person to Person) Lending?

[Read more…] about What Is Peer to Peer (Person to Person) Lending?

Filed Under: Bank, Debt, Investing Tagged With: invest without stocks, p2p lending, person to person lending, what is peer to peer lending

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A Little About Me

Glen CraigI'm Glen Craig - I used to live paycheck-to-paycheck, drowning in credit card debt. I turned that all around and now I build wealth rather than debt.

My goal is to make personal finance easy for you.

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