Archive for 2008
Home Phone for less than $40 per year Local & Long Distance
Its Called MAGIC JACK. We are always looking to save a dollar. Zee and I have been using this service for about 4 months now. The kids can call their out-of-state grandparents and relatives as much as their little hands can dial. This is a great way to save money and to save your anytime minutes on your [...]
20 Ways to Save on Your Utility Bills
Source: DestroyDebt.com
Hi guys I ran across these tips and thought they were great for those of us who like to save. Some of these can be done with very little out of pocket. Others may require a long term plan. Remember our meters are revolving 24 hrs a day, anything to slow it down puts money back into our pockets. ENJOY!
Utility bills can [...]
5 Types of Debt
Debt is defined as any money owed to anyone for anything.
There are 5 different types of debt:
1.Credit Card Debt
2.Consumer Debt
3.Mortgage Debt
4.Investment Debt
5.Business Debt
When using any of these debts always ask these questions:
1.Does it make economic sense?
2.Do my spouse and I have harmony and agreement about taking on this debt?
3.Do I have spiritual peace about entering into this [...]
First time home buyers tax credit
First-Time Home Buyer Tax Credit at a Glance
The tax credit is available for first-time home buyers only.
The maximum credit amount is $7,500.
The credit is available for homes purchased on or after April 9, 2008 and before
July 1, 2009.
Single taxpayers with incomes up to $75,000 and married couples with incomes up to $150,000 qualify for the [...]
Credit Scoring formula has changes
Fair Isaac Announces Changes to its Credit Scoring Formula
The credit scoring system is being modified yet again as Fair Isaac Corporation, developer of the FICO credit score rolls out a new model dubbed FICO 08. The third formula “upgrade” that Fair Isaac has released since inception, it’s hard to predict how long it will be [...]
The 4 to 5 things that should happen to your check before you pay your bills?
I was thinking today and wanted to share with everyone a major key to financial progression. In order for a persons finances to experience a steady growth trend, I believe there are 5 prerequisites that should be met before ANY bills are paid.
1. Tithes (10% of monthly income)
2. Pay Taxes
3.Investments (401K,Stocks,Education Funds, Roth IRA etc..)
4.Savings (put money away for [...]
Testimony: Andre Williams
I just wanted to take out the time to say, “Thank God for you”. I just completed this Pathways Class on the other day and what a blessing!!! This ministry is feeding the whole me (spirit, soul, and body). My life and family life has been so blessed by what God is [...]
Testimony: Leroyce and Shevill Bell
I would like to thank you all for this awesome opportunity and for the wisdom that was shared throughout the Pathways sessions. Since we began Pathways, God has opened up so many doors for us. From employment, favor and yes unexpected income. We had divine intervention in our Adjustable Rate Mortgage. We were expecting an [...]
Rebate Checks
Greetings Pathways
With the rebate checks beginning to pour in, remember to pay yourself first and consider paying one or more of your debts off. Remember this was unexpected income. This is the time to invest in yourself. The government is depending on you to put the money back into their system to clean up their [...]
Credit Monitoring
One of the easiest ways to make sure that your credit report is in the best shape that it can be in is to use a credit monitoring site. For a small monthly fee you will have a service that notifies you if there is a change in your credit report, an inquiry or [...]