Author Archives: John Staldi

Budgeting is a gift, like many things in life, and takes practice. Some people have a god given way for controlling their income and staying in positive standing with their debtors. Most people have some kind of debt, whether it’s a credit card bill, a mortgage, or a car loan. Managing your debts properly will result in a good credit rating, and allow you to get credit in the future. Making late payments on your loans – or worse, letting them go into default – will leave you saddled with a horrible credit rating, taking away many of your future opportunities to obtain future credit. To start the process of credit repair, you must take your time and build your credit rating up again. One way to do this involves seeking the assistance of a credit counselor. Continue reading →