Man lives in the sunlit world of what he believes to be reality. But… there is, unseen by most, an underworld, a phenomenon that is just as real, but not as brightly lit…Tales from the Darkside? Nope! Tales from the Debtside.

  • Debt is the toxin that feeds fear and fear is the toxin that feeds debt.

  • If you buy more than you need, you gain more debt than you want.

  • The person who thinks debt-free life is possible is the one who is going to get rid of debt in life. Make real effort to do so.

  • We can easily forgive a child who is afraid of the dark; the real tragedy of life is when men are afraid of the light - Plato

  • Any credit repair company that promises to remove legitimate bad debts from your credit history is lying.

  • Under the Consumer Credit Protection Act, such information remains on your credit report for about seven years.

  • The disappearance of bad credits, if any, is only temporary.

  • For help, check out the National Foundation For Credit Counseling.

Craving for Credit is the real problem!

We live in such a consumer driven society - credit cards just help us get what we want when we can't afford it. In our society we overeat, overspend, over consume. In general - donuts and credit cards are not the problem, our constant craving for food and credit is the real problem!

The Credit Card Song by Old Man Pie

Ahead of its time this is a cartoon animation that's been up on the web since 2006 and is all about the credit crunch crisis.

Credit card spending and loans from banks are in their trillions of dollars and something has to give. We no longer spend what we have earned, we spend what we haven't earned on the back of house price rises and yet more loans.

The banks are prospering and fat cats are awarding themselves massive bonuses, but it cannot continue.

Beware the debt time bomb may bring the walls of the western world clattering to the ground.

Debt Menu






Overcome the Challenges of Unforeseen Financial Needs in Life by Taking Personal Loans

Wednesday, July 18, 2018, 6:00 AM | Leave Comment

To borrow or not to borrow that is the question. Many would laugh at the statement thinking it as irrelevant in the context that we have become so much used to living our lives on credit cards. But still, the truth is that the happiest person is one who does not have any debts. However, […]

How Personal Debt Can Ruin Your Lifelong Goals (And How You Can Fight Back)

Tuesday, June 26, 2018, 6:00 AM | Leave Comment

As much as we might want to think our life goals shouldn’t be affected by our finances, reality speaks a much different tune. Vacations, a new car, a house, starting a small business—these are all common life goals for people and they all cost major dollars. Personal debt can affect any one of us, sometimes […]

What Types of Loans do You Qualify for with Bad Credit?

Saturday, June 23, 2018, 6:00 AM | Leave Comment

Bad credit can really mess one up especially when you could really use the money. One gets into this mess most likely because they fell into hard economic times. These are the people who need the money even more, but financial institutions don’t work like that. Luckily, having a bad credit score does not spell […]

Follow These Simple Steps to Avoid Getting Your Personal Loan Application Rejected

Wednesday, May 30, 2018, 6:00 PM | 3 Comments

It is not always obvious that a loan application will be approved. Sometimes loan applications are rejected for various reasons. When you apply for a personal loan, it is with the hope that it will be approved. After all, you are applying because you need the money. It is therefore important to figure out how […]

4 Smart Tips for Securing a Home Loan

Wednesday, May 16, 2018, 6:00 PM | Leave Comment

When it comes to major life decisions, buying a house ranks extremely high on the list. It is no surprise then that many hopeful homeowners get disappointed when their mortgage loan does not get approved. While this can happen for a variety of reasons, more often than not it is because of a lack of […]

How to Find the Right Car for You without Going into Debt

Tuesday, April 10, 2018, 6:00 PM | Leave Comment

Buying a new car can be fun. What isn’t fun, though, is the debt that tends to come along with that purchase. If you’re smart, you can follow a few tips that will allow you to find the right car without going into an excessive amount of debt. Image Credit: Pexels Consider Your Needs The […]

Are You Drowning in Debt? 4 Reasons Why Bankruptcy Isn’t the End of the World

Monday, March 26, 2018, 6:00 AM | Leave Comment

Finding yourself up to your neck in debt is one of the worst feelings in the world, especially is it’s keeping you from doing the things you want to with your life. Even in this situation, though, many people avoid bankruptcy as if it is even worse. Here are four reasons that going into bankruptcy […]

Vehicle Financing: 4 Options that Help You Pay off Your Car

Monday, February 5, 2018, 6:00 AM | Leave Comment

Debt plagues many households these days, and auto debt is one of the biggest. To get ahead, reducing debt and interest payments is essential. Here are 4 strategies to help get you out of car loan debt fast. Pay Half the Monthly Payment Every Two Weeks This tried-and-true strategy cuts 6 months off of a […]

Funding Solutions- How Car Loan Refinancing Works

Saturday, December 9, 2017, 6:00 PM | Leave Comment

Refinancing a car involves replacing the current car loan you have with another one that features different terms. Auto refinancing consists of paying off current car loans with new ones. This typically requires a new lender and the process can lead to various outcomes for vehicle owners. Before refinancing it is advisable to understand your […]

Why Can’t You Get a Loan? 5 Unusual Things That Can Affect Your Credit Profile

Monday, December 4, 2017, 6:00 PM | Leave Comment

You probably already know things like paying your bills on time is important if you want to maintain a solid credit score. If you have always paid bills like you were supposed to, but are still having trouble getting approved for a loan or credit card, you could be wondering why. What some people do […]