Young, Fabulous and Broke? Suze Orman Has Debt Relief & Financial Freedom Advice Books for You!


Are you a parent that has all the financial responsibility in the world on your shoulders and living paycheck to paycheck? Does it seem like there is no way out of this endless cycle of working just to pay your bills? Well, I certainly felt this way. I have been in consumer credit counseling, which was very helpful, but I still felt like a financial idiot. What was I supposed to do to get ahead? How was I going to ensure that my family was going to get the best they deserve which includes the finer things in life AND me? Well, I was sitting at home one day contemplating this and watching my local PBS station when an infomercial came on that was an real eye opener.

Enter Suze Orman, my financial guru! I had heard of Suze Orman before briefly and about her cable TV shows, but didn't really know what all the hype was about. I decided I would watch this infomercial and see if there was anything to the Suze Orman phenomenon. The infomercial was to raise money for PBS and promote Suze's Book "The Money Book for the Young, Fabulous and Broke". I got a chuckle out of the title, but thought to myself, "I'm young, fabulous and definitely broke" let me hear what this Suze Orman person has to say! Suze revealed some very interesting things to me such as:

  • Your credit score can have an impact on your car insurance premiums!

  • Your Fico Score is different from each of the credit bureaus and they are combined to make ONE Fico Score.

  • Each credit bureau has their own credit report on you, and they don't always have all of the same information that the other ones do.

  • If you have debts that are way overdue, they automatically fall off of your credit report in seven years.

  • If you make a payment on those old debts at any time during the seven years, even if it is at the sixth year and eleventh month, you have started the seven year cycle all over again!

  • As if you didn't know it already, bankruptcy is the WORST thing you can do to yourself and you should avoid it all costs. Suze recommends joining a consumer credit counseling agency if necessary.

  • It's actually OK to live off of your credit cards while you are young for necessities so you can work the job of your dreams and put away the maximum amount of money in your 401 K Plan (only if they match).

  • You should switch credit card balances to other credit cards as often as you need to to get the best interest rate.

  • Despite what you may have heard, you should avoid interest only home mortgages at any cost, because if anything were to happen to you and you lost the home for any reason, you would have no equity and would have to start from scratch.
  • And much more!

    In addition to the advice above, in Suze's "The Money Book for the Young, Fabulous and Broke" book, Suze gives you an access code so you can access more financial secrets at the Suze Orman Website.

    All in all, I would recommend any of Suze Orman's books, they are a real lifesaver and will put you on the path to financial freedom!

    Christina Khan is a single-mother and a recovering young, fabulous and broke parent. She runs a www.mypreciousbaby.com">baby birth announcement website with parenting advice and articles for new and expectant parents.

    Christina also runs a cccs-credit-counseling.blogspot.com">cccs credit counseling debt relief blog that gives consumers a place to share and discuss their credit counseling experiences with others.


    MORE RESOURCES:
    Prolific author William E. Butterworth III, who wrote under the name W.E.B. Griffin, has died aged 89.

    The writer Andrea Levy, who explored the experience of Jamaican British people in a series of novels over 20 years has died, aged 62, from cancer.

    After starting to write as a hobby in her early 30s, Levy published three novels in the 1990s that brought her positive reviews and steady sales. But her fourth novel, Small Island, launched her into the literary big league, winning the 2004 Orange prize, the Whitbread book of the year and the Commonwealth Writers' prize, selling more than 1m copies around the world and inspiring a 2009 BBC adaptation.

    Betty Ballantine, half of a groundbreaking husband-and-wife publishing team that helped invent the modern paperback and vastly expand the market for science fiction and other genres through such blockbusters as "The Hobbit" and "Fahrenheit 451," has died aged 99.

    She was just 20 and attending school in England, in 1939, when she met and married 23-year-old Ian Ballantine, an American at the London School of Economics. Using a $500 wedding gift from Betty's father, the Ballantines started out as importers of Penguin paperbacks from England and founded two enduring imprints: Bantam Books and Ballantine Books, both now part of Penguin Random House.

    In 1988 the 14th novel by a little-known 63-year-old British author was published in New York. The Shell Seekers, the 500-page story of a woman, Penelope Keeling, looking back on her life and loves during the second world war, took the US by storm.

    The New York Times reviewer wrote: "Rosamunde Pilcher, where have you been all my life?" It sat in the bestseller list for 49 weeks in hardback and then tipped Tom Wolfe off the No 1 spot in paperback. The Shell Seekers was translated into more than 40 languages, selling around 10m copies.

    Pilcher, who has died aged 94, wrote completely absorbing page-turners, taking what was called "romantic fiction" to an altogether higher, wittier level...

    Dan Mallory, who writes under the name A. J. Finn, went to No. 1 with his début thriller, "The Woman in the Window." His life contains even stranger twists.

    JD Salinger's son has confirmed for the first time that the late author of The Catcher in the Rye wrote a significant amount of work that has never been seen, and that he and his father's widow are "going as fast as we freaking can" to get it ready for publication.

    Salinger died in 2010, leaving behind a small but perfectly formed body of published work that has not been added to since 1965's New Yorker story, "Hapworth 16, 1924." Rumors have circulated for years that the creator of one of the 20th century's most enduring characters, Holden Caulfield, continued to write over the ensuing decades he spent in the New Hampshire village of Cornish, far from public view.

    In an exclusive interview with the Guardian, his son Matt Salinger has finally revealed, definitively, that his father never stopped writing and that "all of what he wrote will at some point be shared."

    One of the biggest stars to come out of the World Economic Forum in Davos, Switzerland, last week wasn't a CEO or a head of state or a venture capitalist. It was Rutger Bregman, a Dutch journalist and historian, who used his speaking time at the conference to lambaste the rich attendees for failing to talk about the one thing we know could fight wealth inequality: raising taxes for the kind of people who go to Davos.

    The winner of Australia's richest literary prize did not attend the ceremony. His absence was not by choice.

    Behrouz Boochani, whose debut book won both the Aus$25,000 non-fiction prize at the Victorian premier's literary awards and the Aus$100,000 Victorian prize for literature on Thursday night, is not allowed into Australia.

    The Kurdish Iranian writer is an asylum seeker who has been kept in purgatory on Manus Island in Papua New Guinea for almost six years, first behind the wire of the Australian offshore detention centre, and then in alternative accommodation on the island.

    Now his book No Friend But the Mountains – composed one text message at a time from within the detention centre – has been recognised by a government from the same country that denied him access and locked him up.

    The Cut Out Girl by Bart van Es has won the overall Costa Book Award, with the judges declaring it, "the hidden gem of the year."

    This biography tells the true story of a young Jewish girl in Holland during World War II, who hides from the Nazis in the homes of an underground network of foster families, one of them the author's grandparents.

    Steve Cavendish, a former editor of the Nashville Scene and Washington City Paper, writes about the dire state of local newspapers, and his hopes that his new venture, to relaunch the Nashville Banner online as a nonprofit, will provide a model that will revitalize local media:

    Wednesday was a bloodbath for journalists. BuzzFeed said it would lay off 15 percent of its employees, and Verizon Media announced it would cut 7 percent from its newsrooms at HuffPost, AOL and Yahoo. Worst of all, a wave of layoffs tore through Gannett newsrooms across the country that day, hitting staffs that had already been thinned by years of nearly annual cuts. In December, Gannett's USA Today Network president, Maribel Wadsworth, told her employees that the nation's largest-circulation newspaper chain "will be a smaller company" in the future and, well, the future is now. Wadsworth is facing a lot of pressures: Print revenue is down, digital and mobile revenue aren't nearly enough, and now a hedge fund promising even deeper cuts wants to acquire the company. If the future of corporate news operations looks bleak, that's because it is.

    In Tennessee, we've been watching the slow-motion destruction of our news institutions under Gannett for a few decades now, and the idea that things are about to get even worse is appalling. As badly as the country needs strong coverage of national news these days, the local news landscape is important, too. And what happened here mirrors what's already happened in city after city.

    thatware.org ©