January 2010

Debt Management Scares Me! SivieAnn Answered

DFA Reader SivieAnn is fearful about her recent decision to enter into a relationship with a debt management company. Let’s examine possible reasons for her fear and ways for here to deal with it.

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Star Trek and The Time Well Spent Continuum

by Robert Espe

By preventing frivolous distractions of our time we can better focus our time spent on self-enrichment. Spending our time well not only saves us money, it helps ensure we are getting the most out of it. Robert re-examines his free time.

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Credit Card Minimum Payment Disclosures – Will They Help?

by Guest Author

Will new minimum payment disclosures imposed on credit card banks by the CARD Act of 2009 make any difference in how unseasoned credit card users view and approach their debt payments? Let’s take a look.

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Debt Reduction While Planning a Career Change – Beckey Answered

by Matt Jabs

Is it possible to change careers while in copious amounts of debt? DFA reader Beckey needs our help determining how to best set and prioritize her goals to speed debt reduction and outline a sound and happy plan for the future.

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Debt Reduction and Savings Statement – January 2010

by Matt Jabs

A debt free adventure can be a long, dry road… but continued progress in all areas of personal finance is a sweet breath of fresh air! Based on our financial goals for 2010 here is the progress we made through January of 2010.

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Ways to Save Money on Heat and Electricity – Rebekah Answered

by Matt Jabs

DFA reader Rebekah wants to know how she can save money on heating and electricity costs. I offer up a few relevant tips ranging from things as simple as turning down the thermostat to going off the grid for a day. What do you do to save money on heating and electric costs?

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First-Time Homebuyer Credit – 2009 Returns must be filed on Paper (Form 5405)

by Matt Jabs

Use IRS form 5405 instructions to determine your eligibility for the homebuyer tax credit and be aware that if filing form 5405, you cannot eFile your 2009 return… you must file it on paper.

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SEP IRA – Contribution Limits and Deadlines

by Matt Jabs

A SEP IRA allows business owners to make tax-deductible contributions toward employee retirement plans. It is treated and behaves much like a Traditional IRA yet has unique characteristics all its own. Discover SEP IRA contribution limits, deadlines, and more inside…

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Tax Credits for Home Buyers and Owners

by Matt Jabs

Tax credits for you home.
Some of you may be intimidated by the overly complex legalese you have to wade through when reading tax documents. Don’t be… oftentimes it is as simple as entering data into a form. Here are some credits and deductions related to your home.

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Debt Slavery – What it is and Ways Out

by Matt Jabs

How is debt slavery?

Don’t let anyone fool you… no debt is good. Sure, some debt is better than other debt… but no debt is actually “good.” Let’s examine 3 trust worthy sources to characterize debt slavery, then mull over a few ways out… including personal debt consolidation.

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The Need to Rethink Retirement

by Guest Author

Besides taking responsibility for our financial future by investing in 401(k)s, Roth IRAs, and all the other choices available, it’s time to rethink what financial retirement is. See how Flexo challenges us to “Rethink Retirement.”

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