http://www.artipot.com/dir/finance/personal-finance/ Latest Personal Finance articles from Artipot - your one-stop resource for free articles. http://www.artipot.com/articles/382838/some-of-the-disadvantages-of-bankruptcy.htm Many people will use bankruptcy as a debt repayment option without fully understanding all of the disadvantages of bankruptcy. While a lot of bankruptcy trustees claim bankruptcy provides you with a clean slate to start fresh, many people realize after-the-fact that filing for bankruptcy can actually push you into a deeper financial hole. After all, bankruptcy was created to... Sun, 05 Jul 2009 13:01:53 +0000 http://www.artipot.com/articles/382838/some-of-the-disadvantages-of-bankruptcy.htm http://www.artipot.com/articles/382819/why-you-need-a-lawyers-help-when-it-comes-to-bankruptcy.htm You've probably realized by now that filing for bankruptcy can be a pretty complicated matter. Still, it's tempting to try to go through the process by yourself in order to save money. Sun, 05 Jul 2009 12:43:44 +0000 http://www.artipot.com/articles/382819/why-you-need-a-lawyers-help-when-it-comes-to-bankruptcy.htm http://www.artipot.com/articles/382790/save-first-and-buy-second.htm Our society has grown too impatient. Everyone wants thing right now without putting in the time and work to earn them. This is the reason our country is in financial trouble right now. People put everything on credit cards rather than waiting until they have enough money to buy things. Sun, 05 Jul 2009 11:51:50 +0000 http://www.artipot.com/articles/382790/save-first-and-buy-second.htm http://www.artipot.com/articles/382786/requirements-to-file-chapter-7-bankruptcy.htm There are barriers to filing for Chapter 7 bankruptcy protection and receiving the benefits of a financial fresh start and putting an end to harassing creditors, and wage garnishments. Requirements for filing a Chapter 7 bankruptcy include: Sun, 05 Jul 2009 11:42:20 +0000 http://www.artipot.com/articles/382786/requirements-to-file-chapter-7-bankruptcy.htm http://www.artipot.com/articles/382628/should-you-be-concerned-about-the-cost-of-filing-bankruptcy.htm Should you consider bankruptcy if you are overwhelmed with your current debt? Well, you should discuss this carefully with a good lawyer and try to decide what the best move would be for you and your family. One of the major concerns about filing bankruptcy is the cost, since anyone who has reached this point is already struggling financially. So exactly how much does it... Sat, 04 Jul 2009 14:13:38 +0000 http://www.artipot.com/articles/382628/should-you-be-concerned-about-the-cost-of-filing-bankruptcy.htm http://www.artipot.com/articles/382563/appreciating-the-negative-consequences-of-bankruptcy.htm Facing an overwhelming pile of debt can be stressful, but so can the results of declaring personal bankruptcy. While there are advantages to having your debt wiped out so you can have a fresh start, it's important to consider all of the options and consequences carefully. Your family will be affected by your choices for the next few years. Sat, 04 Jul 2009 12:12:23 +0000 http://www.artipot.com/articles/382563/appreciating-the-negative-consequences-of-bankruptcy.htm http://www.artipot.com/articles/382426/accomplishing-a-reorder-check-on-your-expense-outlays-wielding-excel-spreadsheets.htm Saving money by budgeting finances is tossed by the wayside by many. Are you looking for economic freedom? Reordering a check on all your financial considerations is a good place to start. Naturally, shopping around for the best price is smart and taking into consideration sales tax, shipping charges (if any), travel time and other unseen expenses helps. Sat, 04 Jul 2009 07:14:22 +0000 http://www.artipot.com/articles/382426/accomplishing-a-reorder-check-on-your-expense-outlays-wielding-excel-spreadsheets.htm http://www.artipot.com/articles/382011/file-chapter-7-bankruptcy-and-keep-your-home.htm A Chapter 7 Bankruptcy is designed to give you a fresh start by discharging your debts. But some property that is not exempt may be sold in order to pay off creditors. Fri, 03 Jul 2009 11:06:35 +0000 http://www.artipot.com/articles/382011/file-chapter-7-bankruptcy-and-keep-your-home.htm http://www.artipot.com/articles/381808/how-to-benefit-from-0-balance-transfer-cards.htm When you want to find the best solution to pay off your credit card debt, getting a 0% balance transfer card is highly recommended. Fri, 03 Jul 2009 03:46:18 +0000 http://www.artipot.com/articles/381808/how-to-benefit-from-0-balance-transfer-cards.htm http://www.artipot.com/articles/381640/how-to-pay-450-000-in-school-fees-for-500-a-month-using-your-mortgage.htm Does the thought of school fees fill you with fear and anxiety? There is an easy way to handle the problem. Pay your school fees out of your Mortgage? Read this to set your mind at ease . Thu, 02 Jul 2009 21:17:39 +0000 http://www.artipot.com/articles/381640/how-to-pay-450-000-in-school-fees-for-500-a-month-using-your-mortgage.htm http://www.artipot.com/articles/381506/why-declaring-bankruptcy-by-yourself-isnt-the-right-move.htm If bankruptcy has been on your mind, then you are obviously in a serious financial mess. You're struggling to pay your monthly bills because you have accumulated too much credit card debt due to uncontrolled spending. Or perhaps you have to pay back hospital bills because of an unexpected medical emergency. In any case, you're in tough circumstances and probably feel that... Thu, 02 Jul 2009 14:50:08 +0000 http://www.artipot.com/articles/381506/why-declaring-bankruptcy-by-yourself-isnt-the-right-move.htm http://www.artipot.com/articles/381268/some-important-drawbacks-of-declaring-bankruptcy.htm Bankruptcy can bring relief to those who find themselves overwhelmed with excessive credit card debt, or other kinds of debt for that matter. Nevertheless, bankruptcy does have its drawbacks, and anyone considering filing for bankruptcy should seriously consider all the consequences, both good and bad. Thu, 02 Jul 2009 09:12:05 +0000 http://www.artipot.com/articles/381268/some-important-drawbacks-of-declaring-bankruptcy.htm http://www.artipot.com/articles/381264/get-your-questions-answered-by-a-lawyer-before-trouble-starts.htm For those looking to start a business, consulting with a corporate tax attorney to determine how to structure your organization is smart practice. Many entrepreneurs neglect to consult with a corporate tax attorney and end up paying for it later. A good corporate tax attorney will explain anything that is important and will serve as an advisor on corporate tax matters. Thu, 02 Jul 2009 09:04:47 +0000 http://www.artipot.com/articles/381264/get-your-questions-answered-by-a-lawyer-before-trouble-starts.htm http://www.artipot.com/articles/380189/bank-account-comparisons-made-easy.htm It's easy to feel overwhelmed by the seemingly countless bank accounts on the market. However, banks usually make it very simple for consumers to compare their various accounts, and to ultimately choose an account that fits their needs. Tue, 30 Jun 2009 17:32:44 +0000 http://www.artipot.com/articles/380189/bank-account-comparisons-made-easy.htm http://www.artipot.com/articles/380044/cutting-back-is-the-new-chic.htm While there are certainly plenty of Americans struggling to make ends meet, there is also evidence that nearly all Americans have cut back on spending--whether they need to or not. It seems cutting back and do-it-yourself have become the new chic. Tue, 30 Jun 2009 14:46:37 +0000 http://www.artipot.com/articles/380044/cutting-back-is-the-new-chic.htm http://www.artipot.com/articles/379999/can-you-keep-your-home-filing-a-chapter-7-bankruptcy.htm A Chapter 7 bankruptcy is also known as a liquidation bankruptcy. This means that any property that a Chapter 7 filer has that is not exempt may be liquidated or confiscated and sold to pay off debts. Tue, 30 Jun 2009 14:15:02 +0000 http://www.artipot.com/articles/379999/can-you-keep-your-home-filing-a-chapter-7-bankruptcy.htm http://www.artipot.com/articles/379874/filing-a-bankruptcy-in-arizona-know-which-of-your-assets-are-protected.htm Even if you are faced with a bankruptcy, it may be comforting to know that some of your assets may be protected by bankruptcy "exemption" laws. If some of your assets fall into these exempted categories, then you as the debtor will be allowed to keep these assets after filing for bankruptcy. The asset, however, can only be protected if the court determines that the asset is... Tue, 30 Jun 2009 11:30:04 +0000 http://www.artipot.com/articles/379874/filing-a-bankruptcy-in-arizona-know-which-of-your-assets-are-protected.htm http://www.artipot.com/articles/379571/the-importance-of-a-savings-account.htm A savings account is a great way to save up for a specific expenditure, but it also offers an ideal means to put money away for a "rainy day". Mon, 29 Jun 2009 19:04:14 +0000 http://www.artipot.com/articles/379571/the-importance-of-a-savings-account.htm http://www.artipot.com/articles/379451/how-to-reduce-your-debt-in-ten-easy-steps.htm Your financial success is determined by whether or not you have a financial plan. Part of that plan must include the ability to reduce and eliminate your debt. Here are ten easy steps to do that. Mon, 29 Jun 2009 16:49:43 +0000 http://www.artipot.com/articles/379451/how-to-reduce-your-debt-in-ten-easy-steps.htm http://www.artipot.com/articles/379444/how-a-budget-calculator-can-clarify-your-financial-situation.htm You should always know where you stand with your finances - particularly if you plan to secure a loan or make an investment. A budget calculator is an effective first step in breaking down and clarifying your financial situation. Mon, 29 Jun 2009 16:46:58 +0000 http://www.artipot.com/articles/379444/how-a-budget-calculator-can-clarify-your-financial-situation.htm http://www.artipot.com/articles/379442/student-accounts-helping-students-manage-their-own-finances.htm Student accounts can help students get a handle on financial management early on, helping them maintain financial responsibility later in life. Mon, 29 Jun 2009 16:46:13 +0000 http://www.artipot.com/articles/379442/student-accounts-helping-students-manage-their-own-finances.htm http://www.artipot.com/articles/379418/finding-a-bank-account-that-caters-to-your-financial-needs.htm There are countless banks - and even more types of bank accounts - to choose from. So how can you source an account that's right for your financial needs, without feeling overwhelmed by the sheer selection? Mon, 29 Jun 2009 16:32:54 +0000 http://www.artipot.com/articles/379418/finding-a-bank-account-that-caters-to-your-financial-needs.htm http://www.artipot.com/articles/379344/debt-recovery-means-learning-to-control-your-credit-cards.htm Most people who find themselves in debt are in the situation because they have misused credit cards. Unwise use of credit cards is one of the quickest ways to fall into debt. They are so easy to use. People easily fall for the trap of buy now pay later. Credit card interest is typically higher than interest rates paid on any other extension of credit. Compounding interest... Mon, 29 Jun 2009 14:23:18 +0000 http://www.artipot.com/articles/379344/debt-recovery-means-learning-to-control-your-credit-cards.htm http://www.artipot.com/articles/378904/growing-your-own-vegetables-will-save-you-money.htm Growing your own vegetables is not a unique idea, but it is one that will save you money in the long run. Not only does it save you money, but there is a certain feeling of accomplishment in growing and feeding your family with fresh garden-grown vegetables. Not to mention the fact that it is healthier, too! Sun, 28 Jun 2009 22:50:47 +0000 http://www.artipot.com/articles/378904/growing-your-own-vegetables-will-save-you-money.htm http://www.artipot.com/articles/377956/negotiate-your-own-debt-and-avoid-scams.htm If possible negotiate your own debt and avoid scams that are common in this market place. Since the economic crisis began, there has been a flurry of TV ads and online sites claiming that they can assist you in relieving the pressure of debt. While there are some legitimate operations that can assist you, most of which are non-profit organizations, there are others that are... Fri, 26 Jun 2009 17:45:05 +0000 http://www.artipot.com/articles/377956/negotiate-your-own-debt-and-avoid-scams.htm http://www.artipot.com/articles/377953/change-your-financial-habits-using-the-30-day-rule.htm For many of us our habits get us into financial trouble. Learn to change your habits using the 30-day rule and save yourself a bunch of money, reduce your debt, live within your means, and get your financial life in order. Fri, 26 Jun 2009 17:31:22 +0000 http://www.artipot.com/articles/377953/change-your-financial-habits-using-the-30-day-rule.htm http://www.artipot.com/articles/377244/consolidate-bills-to-eliminate-debt-and-achieve-financial-freedom.htm If you want to get in control of your finances, you can do so by working to consolidate bills. Debt consolidation can be a great choice if you are tired of feeling like your debt is closing in and you are tired of all the high cost of paying it. Thu, 25 Jun 2009 15:11:56 +0000 http://www.artipot.com/articles/377244/consolidate-bills-to-eliminate-debt-and-achieve-financial-freedom.htm http://www.artipot.com/articles/376464/poverty-is-not-a-hindrance-to-success.htm Blaming others for your current situation is pointless; instead, you have to accept your part in influencing your own life. Wed, 24 Jun 2009 12:15:23 +0000 http://www.artipot.com/articles/376464/poverty-is-not-a-hindrance-to-success.htm http://www.artipot.com/articles/376267/maestro-visa-or-mastercard-prepaid-card-does-it-matter.htm The usage and acceptance of prepaid cards for online and offline transactions in various sectors has been rapid and is well documented. Typically, these cards tend to be branded with MasterCard or Visa scheme badges whilst Maestro seems to be extremely popular in the UK and the question most consumers ask is whether it really matters whether their card is a Maestro, Visa or... Wed, 24 Jun 2009 02:42:56 +0000 http://www.artipot.com/articles/376267/maestro-visa-or-mastercard-prepaid-card-does-it-matter.htm http://www.artipot.com/articles/376133/in-california-car-title-loan-for-when-you-car-breaks-down.htm California car title loans are great for emergency cash. When the car breaks down, apply for a loan and get it fixed for less than buying a new car. Tue, 23 Jun 2009 22:35:48 +0000 http://www.artipot.com/articles/376133/in-california-car-title-loan-for-when-you-car-breaks-down.htm