Negative remarks on your credit report can cost serious money. You do not have to despair though, since it is never too late to become credit worthy again. However, always remember that credit repair do not happen overnight. It requires serious dedication and perseverance to start in a clean slate once more.

How to Get Started

You should know what the three credit bureaus are and what they are saying about you. Since creditors do not have to report to Equifax, TransUnion and Experian all together, they generally only report to one or some to which they are subscribed to. This only means that each report from each bureau is slightly different from one another.

The first thing you need to do is to order your credit report. Remember to order it from each bureau because you would only waste time and money if you only order a credit report from one bureau. The cost of the credit report might vary from state to state though it is estimated that the cost of your credit report is around $9.

However, you are entitled to a free copy of your credit report from the agency if you have been denied of employment or credit due to your credit report. You can ask the company to provide you with the name of the credit bureau, telephone number and address.

Once you get a hold of your credit report, examine it carefully. Since the credit bureaus create your credit report basing on the information they receive on your creditors, they are never verified. It is your job to maintain your credit report a good reflection of you. Be on the lookout for errors on typing, incomplete information, and outdated and inaccurate histories of your account. After examining the report correctly, list all the errors you want to dispute and the reasons why.

Since bad reports cost money, remember to be thorough. You have two choices, which is to either complete the argument form supplied with your credit report or write a letter. It is also recommended to send a photocopy of your report with the errors circled to the credit bureau who supplied the report. Additionally, do not forget to include supporting documents with your report.

After sending the documents and report, do not forget to keep copies of all the forms and the date you sent it. Normally, the bureau will investigate the dispute in the span of thirty days prior to receiving your letter. More so, any item that is proved to be inaccurate is removed.

Stability in Your Credit Life

Another way to repair your credit is to show that you can still work on adding positive information and stability in your credit life. Even if you have the credit, there can be a time when you get denied of credit due to insufficient credit file. There are several creditors that do not report your credit history to the credit bureaus. What you can do is to try asking the grantors to report the information of your account and the history of your monthly payment to the credit-reporting agency.

You can also try building a solid credit history through the use of secured credit cards. These kinds of credit cards are offered to those with no credit or in the process of repairing their credit. Additionally, it is advised to open a savings account in your bank. Doing so, would show your creditors that you are trying to save and that you are reserving money to pay off your debts.

Credit Repair The Do-It-Yourself-Way is a post from: Dough Defender

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Anyway, a good first rule is to help yourself and don’t fall into fancy sales pitches that get you in a lot of trouble. Don’t forget to do your homework with these properties first and not just sway yourself to their arguments.

Is it near the school or the office?

This is a rule that is priority number one in real estate; and that doesn’t change with timeshare properties. Not only is it very relevant as you may use the unit one day when you take a vacation, it is also important for customers so that  they’ll buy it.

There are certain conditions that must be accomplished. One is how it is easy to get to point A to point B, meaning, is the traffic to severe or loose enough as so there will be less stresses in vacations?

Another is the weather. Is it too warm or to cool for the client? Make sure that you make the package tailor-made for specific types of customers. You should also consider the entertainment available in those parts? Is Broadway going to be there in a specific day? Is there tough competition from other timeshare corporations? Are they too popular as to impede your selling strategies? These are the questions you must answer first to find the optimum location for a timeshare property.

Does It Take Too Much Off the Pocket?

When people present the packages for these types of properties, you have to be wary because of the hidden costs and whatnot. But first and foremost is that you have to look at the initial cost. Is it a good investment as compared to the time you will spend on vacation? Are you ready to shoulder some travel and overhead costs? Be sure to read between the lines and think of the potential costs you may incur. What are the additional costs if you extend the lifetime of your property? Don’t forget the insurance costs so that you may get out of a horrible rut when a certain economic crash or a housing bubble occurs.

It doesn’t even end there. You have to ask if you have to pay for legal fees, maintenance, and etcetera. And there’s even some cleaning frees to boot. It seems a lot, eh? Not only are timeshare properties costly, so does its hidden costs! So watch your pocket and make sure that you find the right bargain and perfect price for your budget.

Conclusion

There are a lot of things that you have to consider before investing in a timeshare property. I’ll reiterate the most important aspect, which is protection. There are many companies who will try to goad you into buying their product. They’ll throw parties, incentives and whatnot just to make you sign on the dotted line. But then you’ll suddenly realize it was a scam. Don’t fall into that trap. Make sure to watch your back, protect yourself and don’t forget about finding the right location and apt cost.

Tips Before Investing In a Timeshare Property is a post from: Dough Defender

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Paint is considered to be the clothes of your house. Although paint problems may look ugly and major, you can actually be saved from the obligation of calling a professional painter and spending huge amounts of money on them. You yourself can be your very own Picasso in doing paint retouches of your house.

Break Down

All kinds of paint, whatever brand it may be, can only last for a specified number of years on your wall, before the break down process starts showing. When you are experiencing paint break down, it basically means that the first or primary layer on the surface is weakening.

This problem is commonly experienced in old houses that have several paint layers. When the break down process starts, paint will start cracking and peeling from your wall or your wood surface. Because of this, your wood or drywall will be exposed.

To fix this, try scraping or pressure washing your surface. After that, fill any holes using putty if it is wood or spackle if it is a wall surface. After filling in, get a sand paper and fine sand the surface.

When you’re done, wipe of the dust and let it completely dry. Basically, when you pressure wash or when it is raining, 24 hours should be allotted for the surface to dry. Once you’re sure that it is dry, and then you can start painting.

Moisture Build-Up

Another cause of paint cracking is moisture build-up, leak or excessive condensation.

Most probably, you can find mildew and mold along with this problem. This kind of problem is often experienced in the bathroom. However, it can also occur in other parts of the house because of leaky roofs and close outdoor shrubs. Your paint can sag down due to the moisture. But in this case, you won’t see any chipping debris.

If moisture build-up is the cause of your pain cracking, then you would have to do another remedy. Since you will be targeting on the mildew, and if it is an interior surface that you are fixing then you can make use of a solution that consists of three parts water and one part bleach. If it is an exterior surface, you can wash it off using an exterior solution intended for pressure washers.

Both of these can be bought at your local shop. You can also try renting a pressure washer from some stores that provide services like these during the weekend.

Fading Color

The last most experienced paint problem would be fading color. This is usually experienced with surfaces on the exteriors of the house. However, it can also occur indoors when specific colors were used for the walls. Basically, paint color fades when it exposed too much to the sun.

To avoid this kind of problem, most people would try no to use bright and bold colors such as deep red. If you have an affinity for deep colors, but don’t like the fading ones, then try to look for hues which have a ruddy or golden tone with them.

You can try consulting a paint associate about this. Try to find out how much red oxide or yellow oxide colorant was mixed for the specific color that you want. Basically, if the paint associate says that each colorant has about 1 ounce or so in the tint base to create the color, then you have spotted a color that can resist fading for a very good period of time.

Easy Do-It-Yourself Paint Repairs is a post from: Dough Defender

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Co-Signing Affects Your Credit

Most co-signers don’t realize that this loan is going to show up on their credit report. Keep in mind that this might affect your ability to get your own loan down the road as the personal loan you co-signed on will be used to calculate your debt to income ratio. It can also affect the interest rate you get your on your own loans. If you feel it is a good idea to co-sign for a personal loan for a friend or family member, do so with the understanding that after a set amount of making on time payments the borrower will attempt to redo the loan under their own name only. The more money you co-sign for, the longer you can expect to be a part of that loan.

Since the loan can both positively and negatively impact the credit rating of the co-signer it is important to set the loan up so that the co-signer can access the account information. This will allow you to find out what has been paid on the loan and what is still outstanding. Make sure the lender will inform you of any late payments or non-payment issues with the borrower as soon as they happen. Too often, co-signers aren’t aware there was an issue with the loan until it has already impacted their credit.

Co-signing Can Ruin Your Relationship

While co-signing on a loan for a friend or family member can help them, be aware of how it will affect not only your credit but your relationship as well. Nothing can sour relationships faster than money issues. It is important for a co-signer to look at the circumstances that lead to the individual in need of a loan in the first place. If it comes down to simple money mismanagement, then you aren’t doing them or yourself any favors. However, if it is the result of circumstances they had no control over you may want to consider it.

Gather All Your Facts & Say No If You Need To!

To minimize your risk as a co-signer, don’t make it habit of offering to co-sign for friends and family. The word will spread like wildfire with more requests heading your direction. If you feel as though your own credit and finances can’t withstand the negative impact if the borrower doesn’t repay the loan, then do not co-sign for a personal loan. It can be difficult to say no, but it is important that you don’t sacrifice your own credit for the sake of others. Say no!

You might consider having the borrower provide you with verification that payments are being made including regular statements or canceled checks. To further reduce your risk as a co-signer, insist that the borrower purchase personal loan insurance to cover loan payments for a particular amount of time due to unemployment, illness, or death.

Co-signing a personal loan for someone is more than signing your name on the dotted line. You are putting your financial history and worthiness on the line for that person. It is important that you carefully review the borrowers need for the money as well as their spending patterns. If they owe other people money or continually live beyond their means, walk away with a clear conscious. There are times that being a co-signer on a personal loan is the right thing to do. Only you can make that decision. If you decide to go forward with it make sure you can afford the cost of any missed payments and that the lender is going to keep you informed on the payment status on the personal loan.

Here are some great debt management resources to offer to your friends and family in place of co-signing for them. They will probably thank you in the end if they are wise enough to take your advice!

Know The Risks: Co-Signing On A Personal Loan is a post from: Dough Defender

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Betty Crocker is offering a limited supply of coupon booklets with $10 in savings inside!  You must receive the Betty Crocker newsletter to be eligible for the $10 booklet, so make sure to register for the newsletter first on the right side of the page.  Go here to get yours!

Free $10 Coupon Booklet from Betty Crocker is a post from: Dough Defender

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Mercury Magazines is offering a FREE one year subscription to Cosmopolitan!  Just answer a few questions HERE then fill in your mailing information and your subscription will begin in 4-6 weeks.  There are no strings attached and you will never receive a bill!

Thanks MoneySavingMadness.com!

Free Year of Cosmopolitan Magazine! is a post from: Dough Defender

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Listen up all you noodle-heads, you Ramen connoisseurs, the guys over at OnlineColleges.net have posted a humongous list of 100 Awesome Ramen Recipes for Starving College Students. This list is one of the most complete lists for anti-budget busters like you guys. Recycle this list three times and you can each super cheap every day of the year!

Whether you’re vegetarian, carnivore, Kosher, or just in the mood for some noodles this list has it all. Here are a few great picks.

Vegetarian

Vegetarians will enjoy these recipes that use mushrooms, mixed veggies, soy sauce, tofu, cheese and tomato sauce as toppers.

1. Ultra Cheese Ramen Noodles: If you’re in the mood for something really cheesy, make this recipe.

2. Spicy Ramen Explosion: Add cilantro, chili ramen, garlic powder and cayenne for a spicy snack.

3. Vegan Ramen and Rotel: Add nutritional yeast and Rotel to your ramen.

4. Parmesan Ramen: Top any flavor of ramen noodles with parmesan cheese.

5. Ramen Noodle Alfredo: You’ll add margarine, light cream, seasoning and parmesan cheese to ramen noodles.

Beef and Chicken

From stir fries to fancy French dishes, these ramen recipes use beef and chicken.

1. Lo Mein Ramen: You can make lo mein with ramen noodles for an easy meal.

2. Ramen beef pie: This ramen recipe is a twist on shepherd’s pie.

3. Sweet and Spicy Coke Ramen: Use Texas beef, 1/2 can of coke, salted peanuts and beef jerky.

4. Taco Ramen Salad: Make a yummy taco salad with ground beef, tomato, onion and cheddar cheese.

5. Chinese Doodles: Add Grand’s flaky biscuits to this recipe for a fulfilling meal.

Seafood

When you’ve got a little extra to spend, try making these seafood ramen recipes to impress your roommates or a date.

1. Ramen Shrimp Pouch: Add dried mushrooms, raw shrimp, scallions and seasoning.

2. Sesame Shrimp Ramen: This recipe makes a big bowl of sesame shrimp and veggies.

3. Quick Shrimp Ramen: If you want shrimp, make this quick and easy recipe.

4. Zesty Ramen Tuna: Add Zesty Italian dressing and Old Bay Seasoning for extra taste.

5. Tuna Ramen Surprise: This recipe is also great for camping.

Snacks

When you’re hungry between meals, try making ramen trail mix, ramen tacos, or ramen snacks modeled after Girl Scout treats.

1. Trail mix: Mixed with dried fruit and almonds.

2. After-School Ramen Snack: Mix your ramen with hot sauce, shredded cheese, and tomato soup.

3. Manwich: Use Texas beef ramen, French dressing, mayo, egg yolks, hot sauce, bologna and bread for a mega sandwich.

4. Hella Broke Ramen Tacos: These easy-to-make tacos are also super cheap.

5. Girl Scout Thin Mint Ramen on a Stick: This recipe is also called Ramen Cookie Bouquet.

Parties and Holidays

Ramen is a great party food, too, and these recipes prove it. Pair ramen with Doritos, pumpkin, ham and eggs or sausage for the next tailgate or holiday party.

1. Ramen with Beef on Mini Pumpkin: Halve a mini pumpkin and layer ramen and beef, plus chives and other seasonings.

2. Ham ramen frittata: Use beaten eggs, melted butter, scallions, deli ham and 3 packages of ramen for this recipe.

3. Ramen and salsa: This low maintenance snack just requires you to break off a chunk of ramen and dip it into salsa.

4. World Series Ramen: Make baseball-themed ramen with smoked sausage, sauerkraut, chopped onions and green peppers, and relish.

5. Post Thanksgiving Fried Ramen: Use leftover stuffing and turkey that your mom sends back to school with you for this recipe.

Soup and Salad

Make simple dishes heartier when you use ramen for soup and salads.

1. Ramen vegetable soup: Make a cup of hot ramen soup with carrots, turnips, celery, garlic, and onions.

2. Summer Ramen Salad: This is a refreshing salad made with alfalfa sprouts, peas and French dressing.

3. Sopa Mexicana de Ramen: Add taco seasoning and chicken broth to make this Mexican-style soup.

4. Zucchini Ramen Salad: You’ll use basil, oregano, vinegar, olives, carrots, zucchini and ramen for this salad.

5. Greek Ramen Salad: Make your Greek salad with ramen to turn it into a whole meal.

Comfort Food

From ham and cheese ramen to fried ramen and eggs, these comfort food recipes will keep you happy and warm during exam season.

1. Ham and Cheese Ramen: For a study break, make ham and cheese ramen.

2. Divorced and Homeless Ramen: Make this crazy recipe when you’re in the middle of finals. Includes chili-flavor ramen and creamy peanut butter.

3. Fried Ramen and Eggs: Add ramen to your normal fried eggs recipe.

4. Chili Ramen: You can use ground beef or turkey to make this chili recipe with ramen.

5. Fat Kid’s Ramen: All you need is tomato sauce, garlic salt, lemon pepper and 2 hot dogs, plus ramen.

Miscellaneous

Here you’ll find more ways to use ramen, in desserts, breakfast foods and more.

1. Breakfast soup: Cook an egg with boiling ramen for breakfast soup.

2. Chocolate ramen: This rich dessert uses brown sugar, vanilla, chocolate syrup, powdered sugar and whipped cream.

3. Top Ramen Breakfast Burritos: Another good hangover food is this breakfast burrito, made with ramen.

4. Spam Supreme: Mix Spam and ramen for an ultra budget meal.

5. Jello Ramen Noodles: This recipe might be better for a dare rather than an actual snack.

Do you have a favorite Ramen recipe that didn’t make the cut? Share it in the comments!

100 Awesome Ramen Recipes! is a post from: Dough Defender

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This woman gets everything free, she maximizes those great deals we are all searching for!

Feeding a Family of Six on $4 a Week! is a post from: Dough Defender

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