Your Personal Finance, Debt Management
& Financial Planning Guide

Learn How to Tame Debt, Handle Credit Wisely
and Control Your Personal Finances

Debt management, financial planning, personal finance, asset protection, estate planning and retirement planning are all terms that make most peoples’ eyes glaze over, especially when they are young.

After all, if you have 30 or 40 years left to retirement or your kids are brand new and won’t be ready for college for 15 to 18 years, why bother with any of this?

But as you will see on these pages, this is the time of your life when these subjects are very important and the easiest to tackle.

As we age, it becomes harder and harder to save up for a comfortable retirement, while we struggle to pay off those bills we ran up when we were young and just seem never to go away.

It is important to learn how to manage and eventually pay off debt.
With proper budgeting, money and debt management this can be done a lot quicker than most of you think.

Financial planning is just a term for deciding what you want to
accomplish in your life and setting goals so that you can do it.

Do you want to retire at fifty or do you want to become a millionaire? Whatever your goals in life are, you will be more likely to meet them if you have a financial plan.

You want to protect your hard earned assets, your car, your home and your earnings. For most people asset protection is little more than buying the proper insurance coverage.

Estate planning covers living wills, guardianship of minors or disabled relatives as well as distribution of assets at death. It should not be ignored if you have a family.

And retirement planning is making use of all the tax shelters the government provides so that you can retire when the time comes. If you don’t make it, we have some ideas on how to keep you solvent in your golden years.

All these put together are your personal finances and proper personal financial planning will take all these subjects into account and, hopefully wrap them into a nice package that covers all the bases.

Credit and Debt

Of course, credit is a useful tool if handled properly.

Most people would not be able to afford a house or a car without credit. Many people have become very rich using other peoples
money.

But credit can be very seductive. Retailers entice you to buy their goods, often with offers of no money down and easy payment plans. The problem occurs when it comes time to pay the piper. Woe is you if you can’t pay when due.

All of a sudden, those lenders who were so happy to extend you credit, will now happily pile on extra fees and penalties or even raise your interest rates, maybe even double them. I’ve heard it said that the credit card industry is the only one that can raise your prices after you have bought the product.

How Credit Yourself Can Help

Credit Yourself is all about your personal finances: how to get credit, how to handle it properly and how to get help if you’re in
trouble. It also covers issues such as savings, investment and your retirement – not to provide stock tips – but how to plan for a worry-free future.

If you have any questions about personal finance or debt, please feel free to contact me. Although I was an attorney before my retirement, I will not be able to give specific legal advice, but I will try to steer you in the right direction.

Don’t be afraid of debt and money issues and certainly don’t bury your head in the sand if trouble arises. I’ll try to help you face the issues head on, so that credit becomes a tool you are comfortable handling.

If you can’t find what you’re looking for, use the search box above to search the site or the web. If you still need help, click the contact button and send me your questions.

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