Hope for Christmas

The last five years have been hard on average people. Household income has declined about 5% while living costs are up far more than the official inflation number (Transportation 17%, health insurance 15%, fruit and vegetables 18%, household products 27%). No wonder that a full 18% of Americans believe that they will never get out of debt during their lifetime.

We at Emancipation Network ar…

Red Christmas

Those of us who have experienced financial difficulties have had to learn how to enjoy the Christmas season even though our finances are in the red. A red Christmas.

Yes, it is hard to look past your own troubles, especially when everyone else seems to have plenty of money and a carefree existence. But Christmas is a good time to remember that there is more to life than money, and there is…

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Turning Your Problem Debts into Opportunity

We’ve always said that your creditors will sell your problem debt to debt collectors, turning their bad debt into profit opportunities for the debt collectors. Now a new book, Bad Paper by Jake Halpirn sheds more light on this process.

Lenders will try very hard for a few months to collect problem debts in order to avoid taking a loss on their books. After about six months or so, however,…

The Power of Giving

They say that Christmas is the Season for giving, but smart people give the whole year around.
Giving is actually one of the keys to financial freedom. Givers are quickly identified in the marketplace as those who go over and above the minimum needs of the job. They are cheerful and hard working, and because of their giving attitude people enjoy working with them. They are first in line for…

Thanksgiving Turkeys


This year, more than ever, we will be immersed with Christmas shopping commercials as we join our families for the annual Thanksgiving Feast.


Don’t let these Turkeys turn you into the Christmas goose:


1. Don’t forget to be thankful at Thanksgiving. People who appreciate their blessings are more likely to get more.

2. Thanksgiving is not about eating…


 Sometimes it is a good idea take some time off to smell the roses.


This is one of those times for us.


See you next…

Learning From Disaster

                Next week on November 11 we will honor our Veterans. May God bless them all.

But November 11 also marks the anniversary of the end of the first World War, one of the worst disasters in Human History.

So what can you learn about your finances from this disaster? Plenty.

The first lesson is to count the cost. The European powers didn’t, and they found…

Putting Time on Your Side


One of the key elements of a Debt Relief plan involves making time work for you instead of against you.


Most people are trained to think time is on the lender’s side. After all, interest continues to be added on, and debt collectors try to create a sense of urgency as if there were will be no second chance if you do not act now. Yet a person with a Debt Relief plan can…

Thinking About the Unthinkable

                If you want to be fondly remembered, you need to think about the unthinkable before it happens.

Life is uncertain, and your first duty is to your family. Here are some things you can do before the unthinkable happens.


If something happens to you, your family will need money to help replace your income. Most young families can easily afford…