Personal Finance: Credit and Debt
- Credit Repair Kit for Dummies by Manage and repair your credit Credit card debt is the third largest source of household indebtedness. Credit Repair Kit For Dummies gives you the tools you need to repair your credit. This new edition covers: major changes with the Consumer Financial Protection Bureau's (CFPB) inquiry into overdraft practices and their effect on consumers; dealing with the effect of tightened credit markets on those with good, marginal, or bad credit; best ways to recover from mortgage related score hits or minimize damage after walking away from a home; updated Vantage Score information; updated coverage on reporting programs like FICO Score watch, etc.; what makes a good FICO score today; a new section on significant others (boyfriend/girlfriend/spouse) and credit/debt sharing; Debt Relief Act in a mortgage meltdown situation; the latest tips and advice on dealing with identity theft and annoying collection calls; and more. Online you'll find sample credit reports, forms, templates, and other helpful tools to help whip your credit into shape. Updated credit score examples with new ranges New information about IRS exceptions to the Mortgage Forgiveness Advice and tips about adding information to a credit report, and beefing-up thin credit Useful, downloadable, forms and tools on Dummies.com If you have mediocre credit and want or need to better manage it in order to get a job, reduce insurance costs, qualify for banking products, and more, Credit Repair Kit For Dummies has it covered.Call Number: 332.743 BUCISBN: 9781118821510Publication Date: 2014
- Borrow by In this lively history of consumer debt in America, economic historian Louis Hyman demonstrates that today's problems are not as new as we think. nbsp; Borrow examines how the rise of consumer borrowing--virtually unknown before the twentieth century--has altered our culture and economy. Starting in the years before the Great Depression, increased access to money raised living standards but also introduced unforeseen risks. As lending grew more and more profitable, it displaced funds available for business borrowing, setting our economy on an unsustainable course. Told through the vivid stories of individuals and institutions affected by these changes, Borrow charts the collision of commerce and culture in twentieth-century America, giving an historical perspective on what is new--and what is not--in today's economic turmoil. A Paperback OriginalCall Number: 332.743 HYMISBN: 9780307741684Publication Date: 2012
- Paper Promises by Winner of the Spear's Best Business Book Award Longlisted for the 2012 Financial Times and Goldman Sachs Business Book of the Year Award For the past forty years western economies have splurged on debt. Now, as the reality dawns that many debts cannot be repaid, we find ourselves again in crisis. But the oncoming defaults have a time-worn place in our economic history. As with the crises in the 1930s and 1970s, governments will fall, currencies will lose their value, and new systems will emerge. Just as Britain set the terms of the international system in the nineteenth century, and America in the twentieth century, a new system will be set by today's creditors in China and the Middle East. In the process, rich will be pitted against poor, young against old, public sector workers against taxpayers and one country against another. In Paper Promises, Economist columnist Philip Coggan helps us to understand the origins of this mess and how it will affect the new global economy by explaining how our attitudes towards debt have changed throughout history, and how they may be about to change again.Call Number: RCLSISBN: 9781610391269Publication Date: 2012
- 360 Degrees of Financial Literacy: Credit and Debt Answers to commonly asked questions about credit from the American Institute of CPAs.
- Check Your Credit Report A step by step video and Q&A for checking a credit report from the Federal Trade Commission.
- Consumer Information on Credit Cards Information on credit card agreements, including college credit cards, from the Consumer Financial Protection Bureau.
- Credit Card Optimizer A tool for determining the best distribution of your credit card debt to yield the lowest costs.
- Credit Card Pay Off A calculator for determining what it will take to pay off your credit card balance, and what spending changes are needed to meet repayment goals.
- Credit Counseling and Debtor Education A state-by-state listing of agencies approved by the U.S. Justice Department for credit counseling and debt education.
- Credit Discrimination A handout on credit discrimination from the Consumer Financial Protection Bureau.
- Dealing with Debt Debt management resources from the Federal Trade Commission.
- Federal Trade Commission Consumer Information Consumer Information on money and credit from the Federal Trade Commission (FTC).
- Government Loans Federal loan information from the U.S. Government.
- How Credit Cards Work An overview of how credit cards work from U.S. News World and Report. Includes, overviews of costs, types of credit cards, and credit card best practices.
- How to Obtain Your Free Credit Report Step-by-step instructions for obtaining a free credit report from each of the three national credit reporting agencies.
- How Your Credit Score Impacts Your Financial Future An overview from FINRA on the importance of good credit.
- National Foundation for Credit Counseling Comprehensive information about credit and debt topics, with a focus on counseling services.
- Smart About Money—Credit and Debt A basic self-paced courses from the National Endowment for Financial Education (NEFE).
- What is Credit? Experian's definitions for several types of credit and why credit is important to have.
- Consumer Credit Explorer The Consumer Credit Explorer utilizes data from the Federal Reserve Bank of New York to display and compare various debt information per selected demographic characteristics.
- GovLoans.gov Federal loan information from the U.S. Government.
- Student Debt Relief Information and resources on student loan payment options from Equal Justice Works, a nonprofit dedicated to justice and equality for all citizens.
American Library Association. Financial Literacy in Public Libraries: A Guide for Building Collections.
My thanks go to ALA for inventing this wheel for me.
Thrall Library's Links for Investors.
CFPB's list of financial educational resources
ALA Recommended Books
- Credit Repair by Bad credit can get better A bad credit report can prevent you from getting a mortgage, car loan, credit card, apartment or even a job. The sensible strategies in Credit Repair help you take control of your finances, clean up your credit report and rebuild your credit. Learn how to: prioritize debts and create a budget reduce debts and cut expenses negotiate with creditors correct credit report errors and remove old information add positive information to your credit report adopt strategies to rebuild your credit, and avoid identity theft and credit repair scams. Updates to the 13th edition of Credit Repair include the latest student loan repayment programs, new credit-building strategies, changes to the credit scoring of tax liens, medical debt, and civil judgments, identity theft reporting developments, and more.Call Number: RCLSISBN: 9781413324280Publication Date: 2017
- The Debt-Free Spending Plan by It can seem impossible to find a way out of debt--and the more complicated the proposed solution, the harder it is to stick with it. That's why The Debt-Free Spending Plan is SIMPLE. Life coach JoAnneh Nagler gives you the help you need right now to live your life and get out of debt fast. The plan is clear, easy, and doesn't require you to sift through chapters of high-minded financial advice or dig up your past spending history. It doesn't matter if you make $14,000 or $14 million--thanks to straightforward daily spending strategies and effortless expense tracking tools, you'll learn how to downsize expenses without feeling deprived, allocate money as it comes in, put together an easy-to-manage bill-paying plan, adjust for inevitable overspending, pay off debt without gouging expenses, and (believe it or not) start saving. In just five minutes a day, you'll find yourself on the road to financial freedom before the next billing cycle.Call Number: RCLSISBN: 9780814432433Publication Date: 2012
- Debt-Proof Living by Mortgages, credit card balances, student loans, car loans, and home improvement loans have become a way of life for the majority of us. And debt is putting not only our present at risk as we live paycheck to paycheck, but our futures in jeopardy as shockingly few of us have enough put away for retirement. Personal financial expert Mary Hunt wants readers to embrace the radical but simple truth that they don't need more credit or more stuff--that they can live their lives debt-free. In her classic book Debt-Proof Living, Mary reveals the secrets to getting out of debt and staying out of debt for the rest of your life. At no time in history has this liberating approach to a no-debt lifestyle been more desperately needed. Those who have been struggling to pay the bills or feel like they just can't make their finances work without taking on debt need this book. It can change their lives.Call Number: RCLSISBN: 9780800721459Publication Date: 2014
- The Debt Escape Plan by Winner of the American Society of Journalists and Authors' 2016 Outstanding Book Award in the Self-Help category Praise for Author's Last Book: - Confessions of a Credit Junkie is presented in a conversational tone, without confusion, techno-speak complexity or excessive industry jargon. The book breaks through delusion and naiveté and can, given a chance, inspire even the most wide-eyed spender to avoid the pit of debt that snared Harzog and so very many others. - Creditcardinsider.com If you're in credit-card debt and you're tired of being told that all you need to do is give up your daily latte - and cut up all your credit cards - this is the book for you. Former credit junkie Beverly Harzog racked up thousands of dollars in credit-card debt during a decade of overspending. When she decided she wanted to break free from debt, she found that conventional advice about personal finance didn't work for her. So, Beverly created her own unique debt escape plan and succeeded in paying off more than $20,000 in credit card debt in two years. In The Debt Escape Plan, you'll find easy-to-follow advice, often laced with a touch of Southern humor, to help you conquer - and stay out of - credit-card debt. In this much-needed book, you'll learn: Why a one-size-fits-all approach to credit card debt doesn't work. How to use the Money Personality Quiz to customize your own debt escape plan. The nine biggest debt mistakes and how to overcome them. Seven secrets for giving your credit score a quick boost. how to overcome the hardships of medical bills. How to debt-proof your future so this never happens to you again!Call Number: RCLSISBN: 9781601633606Publication Date: 2015
- How to Get Out of Debt, Stay Out of Debt and Live Prosperously by A simple, proven-effective formula for freeing yourself from debt--and staying that way * Revised and updated, with a new Preface by the author nbsp; "A must read for anyone wanting to get their head above water."--The Wall Street Journal nbsp; THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION nbsp; OUT OF THE RED * Do this month's bills pile up before you've paid last month's? * Do you regularly receive past-due notices? * Do you get letters threatening legal action if immediate payment is not made? * Do the total amounts of your revolving charge accounts keep rising? nbsp; INTO THE BLACK Whether you are currently in debt or fear you're falling into debt, you are not alone. Sixty million Americans--from doctors to secretaries, from executives to the unemployed--face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You'll learn nbsp; * how to recognize the warning signs of serious debt * how to negotiate with angry creditors, collection agencies, and the IRS * how to design a realistic and painless payback schedule * how to identify your spending blind spots * how to cope with the anxiety and daily pressures of owing money * plus the three cardinal rules for staying out of debt forever, and much more! nbsp; This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the success of the Debtors Anonymous program.Call Number: RCLSISBN: 9780553382020Publication Date: 2003
- The Money Code by FROM THE NEW YORK TIMES BESTSELLER Does it seem like there is never enough money to do everything you want? Do you want to feel confident about the financial decisions you make? Have you ever felt frustrated talking about money with your loved ones? You are not alone. Unfortunately, most of us were never taught how to think and communicate about money. The Money Code is a modern tale of one person's journey to uncover the five secrets to living his one best financial life. Through his voyage, you will learn how to: - Prevent bad decisions about money - Identify your Money Mind, Fear, Happiness, or Commitment and how it affects every financial decision you make - Use a custom checklist to improve your entire financial life - Clearly discuss decisions about money with the ones you love - Finally take control of your financial lifeCall Number: RCLSISBN: 9781608324354Publication Date: 2013
- Personal Finance in Your 20s and 30s Book by Get control of your finances - and your future! Do you feel like you'll never pay off your student loans? Worried about your mounting credit card debt? Wondering when you'll ever make enough money to stop living paycheck to paycheck? You're not alone - millions of young Americans are finding it hard to save for the future and still pay today's bills on time. But with The Everything Personal Finance in Your 20s and 30s Book, 3rd Edition, you'll learn how to be financially independent by: Creating a workable budget Minimizing credit card and student loan debt Investing money wisely Building an emergency fund You'll also learn how the Consumer Financial Protection Bureau can help you navigate the often-confusing world of financial service products. With this easy-to-use guide, you'll learn how to manage, save, and invest wisely - starting today!Call Number: RCLSISBN: 9781440542565Publication Date: 2012
- The Spender's Guide to Debt-Free Living by As Seen on Good Morning America Popular blogger Anna Newell Jones of AndThenWeSaved.com delivers this self-help manifesto that reveals how a "spending fast" will help you get on the road to living debt-free. In 2009, young photographer Anna Newell Jones was rapidly suffocating under the weight of too much debt. An inveterate "spender," she was in way over her head, to the tune of almost $24,000. She knew her debt was only going to get worse if she didn't take action, but she didn't know where to look for help. On a whim, Anna decided to go on a spending fast--an idea she heard in passing but knew little about. Creating her own method, she learned what worked and what didn't and wrote about it on her blog, AndThenWeSaved.com. Amazingly, Anna was able to eliminate all $23,605.10 of her debt in only 15 months! She was interviewed in Forbes, Self, Glamour, Good Housekeeping, and the Chicago Tribune. Anna's journey inspired people and showed them that they too could change the way they dealt with their own money woes. The Spender's Guide To Debt-Free Living takes readers through a detailed step-by-step plan on how to do a Spending Fast and get out of debt, including: Creating a personalized Debt-Free Life Pledge. Understanding where your money is going when you're in debt, and where it will come from to pay it off. Learning why putting money into a savings account before (or while) paying off debt may not be the best idea for you. Finding additional income sources and generating side gigs. Re-integrating spending into your life once you're out of debt, so that you stay out of debt. Filled with do-it-yourself ideas, insight from experts, and tons of motivational tips and real-life practical advice, The Spender's Guide to Debt-Free Living proves that you don't have to win the lottery or get a new job to change your life.Call Number: 332.024 JONISBN: 9780062367181Publication Date: 2016
- Your Credit Score by Today, a good credit score is essential for getting decent terms on credit - or for getting credit at all. But that's just the beginning: You're now being judged on your credit score by everyone from employers to cellphone carriers. Now, best-selling journalist Liz Pulliam Weston has thoroughly updated her top-selling guide to credit scores, with crucial new information for protecting (or rebuilding) yours. Weston thoroughly covers brand-new laws and rules surrounding credit scoring - including some surprising good news and some frightening new risks. Don't settle for an out-of-date guide to credit scoring, when Your Credit Score, Fifth Edition offers brand-new coverage of all this, and more: Recent consumer-friendly reforms in lending, credit score calculation, and credit bureau behavior - and how to take advantage of them How you can finally get your credit disputes reviewed by an actual human being Why recent medical debts shouldn't impact your score anymore How to get a legitimately free FICO score without getting ripped off How lenders have recently loosened their criteria, making it easier to get loans even if your credit isn't perfect Important new options for student loan borrowers - including brand-new ways to dramatically limit your payments How tax refund fraud is soaring - and the one little-known way to avoid becoming a victim The disappearance of "manual underwriting": why it's now virtually impossible to get a mortgage without credit scores Weston updates her guidance on raising your FICO score... fighting lower limits or higher rates... maintaining the right mix of cards and balances... bouncing back from bad credit... choosing credit "solutions" that help, not hurt... explodes both new and old myths about credit scoring... and much more!Call Number: 332.743 WESISBN: 9780134212487Publication Date: 2015