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Connecticut State Budget Process

October 25, 2010

The Budget and Financial Management division reviews requests and prepares recomm. for agencies

General Assembly receives the Gov’s budget on 1st session day following Feb 3 in odd numbered years

An annual characterize is published by OFA on the budget that was passed by the legislature

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Connecticut has a biannual budget that looks at a two-year block of [...]

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Types of Debt

October 25, 2010

Unsecured debt is usually better than secured debt.

Most installment loans have better interest rates than revolving loans.

Having many store credit cards could hurt your credit.

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With consumer debt rising and savings rates falling, most Americans owe something. But when it comes to debt, not every type is equal. There are many types of debt, and figuring [...]

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Common Money Management Problems

October 24, 2010

Many people struggle with money management problems.

Poor budgeting and cash management will lead to money management problems.

Solve money management problems with the right mindset and information.

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Money management problems can affect any household or individual at any time. These issues often happen because of poor budgeting, living beyond one’s means and the confusion that is a [...]

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Get Out of Debt and Finally Get Ahead

October 23, 2010

You don’t have to win the lottery in order to get a handle on your finances and reach out ahead of the game each month. With discipline and some lifestyle changes you can ogle how to live better, stretch your dollars farther and get out of debt.

If you don’t have it, don’t spend it.

Do you [...]

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Five Ways to Avoid College Debt

October 22, 2010

Getting credit in college is avoidable. All it takes is preparation, forethought and a little self restraint. Disciplining yourself to live without credit while you’re in college will benefit you greatly when you actually need it. College debt can ruin your credit before you even graduate, now who wants to live in a dorm all [...]

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Evaluating a Credit Counselor

October 22, 2010

Do your homework before selecting a credit counselor

Checking for accreditation is one plot of sparkling if someone is a legitimate professional

Read the glorious print before signing contracts

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You always hear the stories of people seeking help from a credit counselor. The counselor tells them to stop paying their bills and to not take calls from creditors [...]

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Top 5 Bride Blogs

October 21, 2010

Find the five best bridal blogs available on the net, right here!

DIY projects, from budget, worn, whimsical, or eco-friendly themes – your choice.

Make it a day to remember!

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This is the year to rep married, it seems. Of course I am already happily married, and have been for 15 years. I have been to [...]

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Filing for Personal Bankruptcy Under New York Bankruptcy Laws

October 20, 2010

Personal bankruptcy in Current York is a big deal. In the Recent York bankruptcy statistics released in 2002, just less than 70,000 people filed for personal bankruptcy in one year. Since personal bankruptcy so current, it’s important to have a splendid understanding of how it all works. Here’s a brief guide to the New York [...]

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Education Savings Bonds

October 20, 2010

Series EE bonds purchased after 1989 and Series I bonds qualify as Education Savings Bonds.

Interest income on the bonds is tax-free if used to pay qualified education expenses.

Interest can be tax-free if bonds are cashed and contributed to a 529 plan or ESA.

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Interest on U.S. savings bonds is normally subject to federal income tax. [...]

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FInancial Tips for Getting Out of Debt

October 19, 2010

Ten years ago, I was in major financial disaster and facing possible bankruptcy. I was a single mom with three kids and $36,000 in debt. I was sick of waking up every day trying to live in denial but always having that sick feeling in my stomach, from the bills I wasn’t dealing with and [...]

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