May 3rd, 2013

Link Roundup: How to Avoid Overusing Your Emergency Fund

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emergency fund

 

How to Avoid Overusing Your Emergency Fund “Building an emergency fund is one thing; keeping it intact and fully funded is quite another. There are a number of reasons why this is a problem. Overusing your emergency fund is one of the biggest. There are challenges that come with an emergency fund, and you’ll have to be resolute in your decision and efforts to keep it intact.” Faith and Finance

Being Broke Sucks, But It Forces You to get Creative “How many times have the words “I’m Broke” entered into your life? We’ve all been in a place where we have less finances than we need to survive, money problems are something we all must endure. Rather than complaining about why you are broke, many people find inspiration in the dustiest corners of their wallets and pocketbooks.” Generation X Finance

How I Won My Credit Bureau Dispute Fast “This is the key. Unless you put some elbow grease into this, the creditor isn’t going to give you the time of day let alone fix an error they made. They’ll just tell you that according to their records the report is accurate. It’s enough to drive you postal. I know because it happened to me twice.” Wealth Pilgrim

Avoid these 3 Pitfalls of Debt Consolidation “…Debt consolidation isn’t for everyone, and it’s no guarantee that you will be able to get rid of your debt effectively — especially if you fall prey to the following 3 pitfalls:” Good Financial Cents

How One Missed Bill Becomes One Costly Mistake “I’m about to do something that I rarely do. Admit that I made a mistake. I’ve lamented before about how credit scores can be a notoriously fickle thing and can begin to drop rapidly if you start missing payments. With a slight bit of shame, I’m about to give you a personal case study in how a missed bill affected my credit score and how that in turn cost me a big wad of cash.” The Sun’s Financial Diary

Can I keep my stuff if I file for Chapter 7 bankruptcy? “One of the biggest myths in bankruptcy, often perpetuated by the credit card companies, is that you lose all your assets once you file for bankruptcy. They try to scare you from doing bankruptcy and look for debt relief options. For the most part, you can keep all your assets.” Finance News Pro

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