</h1> <article> <h1>The top 5 questions about debt management</h1> With so much information available on debt management it can be quite confusing to try and understand exactly how debt management works. After all, many people have debts of one kind or another and continue to live their lives without needing any help managing their debts. Credit can be a positive way to pay for [...]<p><a href="http://www.cleardebtnow.com/201112/the-top-5-questions-about-debt-management/">The top 5 questions about debt management</a> is a post from: <a href="http://www.cleardebtnow.com">Clear Debt Now</a></p> Related posts:<ol><li><a href='http://www.cleardebtnow.com/201104/negotiating-with-debt-consolidation/' rel='bookmark' title='Permanent Link: Negotiating with Debt Consolidation'>Negotiating with Debt Consolidation</a></li> <li><a href='http://www.cleardebtnow.com/201011/do-i-need-debt-consolidation/' rel='bookmark' title='Permanent Link: Do I Need Debt Consolidation?'>Do I Need Debt Consolidation?</a></li> <li><a href='http://www.cleardebtnow.com/201011/take-debt-consolidation-loan-in-consideration/' rel='bookmark' title='Permanent Link: Take Debt Consolidation Loan in Consideration'>Take Debt Consolidation Loan in Consideration</a></li> </ol> </article> <article> <h1>Transferring your credit card debt makes sense</h1> Many people now use credit cards to make a large percentage of their purchases. A lot of credit cardholders are not able to pay off their balances every month and as a result there is a large outstanding balance on the credit card. Credit cards can have very high interest rates that add substantial amounts [...]<p><a href="http://www.cleardebtnow.com/201112/transferring-your-credit-card-debt-makes-sense/">Transferring your credit card debt makes sense</a> is a post from: <a href="http://www.cleardebtnow.com">Clear Debt Now</a></p> Related posts:<ol><li><a href='http://www.cleardebtnow.com/200809/how-to-make-credit-card-balance-transfers-the-right-way/' rel='bookmark' title='Permanent Link: How To Make Credit Card Balance Transfers The Right Way'>How To Make Credit Card Balance Transfers The Right Way</a></li> <li><a href='http://www.cleardebtnow.com/201108/consumers-paying-off-more-credit-card-debt-buying-less/' rel='bookmark' title='Permanent Link: Consumers Paying Off More Credit Card Debt, Buying Less'>Consumers Paying Off More Credit Card Debt, Buying Less</a></li> <li><a href='http://www.cleardebtnow.com/201105/the-worst-credit-cards-available/' rel='bookmark' title='Permanent Link: The Worst Credit Cards Available'>The Worst Credit Cards Available</a></li> </ol> </article> <article> <h1>More Americans Plan to Spend Less This Holiday</h1> While Black Friday and Cyber Monday saw huge increases in sales compared to 2010, another poll found that Americans planning to spend less this holiday season outnumber those who plan to spend more four to one. The November Financial Security Index poll found that 42 percent of Americans plan to spend less this holiday season [...]<p><a href="http://www.cleardebtnow.com/201111/more-americans-plan-to-spend-less-this-holiday/">More Americans Plan to Spend Less This Holiday</a> is a post from: <a href="http://www.cleardebtnow.com">Clear Debt Now</a></p> Related posts:<ol><li><a href='http://www.cleardebtnow.com/201111/americans-keeping-holiday-debt-down/' rel='bookmark' title='Permanent Link: Americans Keeping Holiday Debt Down'>Americans Keeping Holiday Debt Down</a></li> <li><a href='http://www.cleardebtnow.com/201110/half-of-consumers-say-theyll-spend-less-on-gifts-in-2011/' rel='bookmark' title='Permanent Link: Half of Consumers Say They’ll Spend Less on Gifts in 2011'>Half of Consumers Say They’ll Spend Less on Gifts in 2011</a></li> <li><a href='http://www.cleardebtnow.com/201111/poll-men-giving-more-to-charity-this-holiday-than-women/' rel='bookmark' title='Permanent Link: Poll: Men Giving More to Charity this Holiday Than Women'>Poll: Men Giving More to Charity this Holiday Than Women</a></li> </ol> </article> <article> <h1>Cyber Monday Shopping Explodes</h1> Something really clicked with consumers. Cyber Monday sales skyrocketed compared to last year. That’s according to analytics findings by IBM. Their research shows a record number of online sales and a strong Black Friday. Online sales were up about a third over 2010. The average consumer order increased by about $5 from $193.24 to $198.26. [...]<p><a href="http://www.cleardebtnow.com/201111/cyber-monday-shopping-explodes/">Cyber Monday Shopping Explodes</a> is a post from: <a href="http://www.cleardebtnow.com">Clear Debt Now</a></p> Related posts:<ol><li><a href='http://www.cleardebtnow.com/201111/more-americans-plan-to-spend-less-this-holiday/' rel='bookmark' title='Permanent Link: More Americans Plan to Spend Less This Holiday'>More Americans Plan to Spend Less This Holiday</a></li> <li><a href='http://www.cleardebtnow.com/201007/are-you-addicted-to-shopping-and-debt/' rel='bookmark' title='Permanent Link: Are You Addicted To Shopping And Debt?'>Are You Addicted To Shopping And Debt?</a></li> <li><a href='http://www.cleardebtnow.com/201110/half-of-consumers-say-theyll-spend-less-on-gifts-in-2011/' rel='bookmark' title='Permanent Link: Half of Consumers Say They’ll Spend Less on Gifts in 2011'>Half of Consumers Say They’ll Spend Less on Gifts in 2011</a></li> </ol> </article> <article> <h1>Home Sales Slowing for Winter</h1> With all of the gifts to buy and cookies to bake, home sales typically slow during the holidays. According to new data released by RE/MAX in their Monthly Housing Report, October home sales were 9% above October of 2010. The data encompasses 53 metropolitan areas. Experts expect to see further declines in the winter months, [...]<p><a href="http://www.cleardebtnow.com/201111/home-sales-slowing-for-winter/">Home Sales Slowing for Winter</a> is a post from: <a href="http://www.cleardebtnow.com">Clear Debt Now</a></p> Related posts:<ol><li><a href='http://www.cleardebtnow.com/200806/online-sales-in-america-arent-slowing-down/' rel='bookmark' title='Permanent Link: Online Sales In America Aren’t Slowing Down'>Online Sales In America Aren’t Slowing Down</a></li> <li><a href='http://www.cleardebtnow.com/201110/home-ownership-rates-second-highest-in-history/' rel='bookmark' title='Permanent Link: Home Ownership Rates Second Highest in History'>Home Ownership Rates Second Highest in History</a></li> <li><a href='http://www.cleardebtnow.com/200811/5-billion-in-short-term-debt-sales-in-california/' rel='bookmark' title='Permanent Link: $5 Billion In Short-Term Debt Sales In California'>$5 Billion In Short-Term Debt Sales In California</a></li> </ol> </article> <article> <h1>Consumer Reports Releases Naughty and Nice List to Help Holiday Shoppers</h1> Wondering who’s been naughty and who’s been nice this year? Well according to Consumer Reports there are plenty of big name retailers making both lists this year. They’ve unveiled their 2011 Naughty and Nice Holiday List just in time to help shoppers heading out to work on their gift lists. The list evaluates high profile [...]<p><a href="http://www.cleardebtnow.com/201111/consumer-reports-releases-naughty-and-nice-list-to-help-holiday-shoppers/">Consumer Reports Releases Naughty and Nice List to Help Holiday Shoppers</a> is a post from: <a href="http://www.cleardebtnow.com">Clear Debt Now</a></p> Related posts:<ol><li><a href='http://www.cleardebtnow.com/201111/americans-keeping-holiday-debt-down/' rel='bookmark' title='Permanent Link: Americans Keeping Holiday Debt Down'>Americans Keeping Holiday Debt Down</a></li> <li><a href='http://www.cleardebtnow.com/201111/cyber-monday-shopping-explodes/' rel='bookmark' title='Permanent Link: Cyber Monday Shopping Explodes'>Cyber Monday Shopping Explodes</a></li> <li><a href='http://www.cleardebtnow.com/201110/half-of-consumers-say-theyll-spend-less-on-gifts-in-2011/' rel='bookmark' title='Permanent Link: Half of Consumers Say They’ll Spend Less on Gifts in 2011'>Half of Consumers Say They’ll Spend Less on Gifts in 2011</a></li> </ol> </article> <article> <h1>Americans Keeping Holiday Debt Down</h1> After two years of keeping the purse strings tight, Americans may be ready to loosen them a bit. According to ING Direct USA, nearly three-fourths of Americans say they expect to spend more this holiday season than they have during the past two years. Most say they’re equally or less concerned with how much they’ll [...]<p><a href="http://www.cleardebtnow.com/201111/americans-keeping-holiday-debt-down/">Americans Keeping Holiday Debt Down</a> is a post from: <a href="http://www.cleardebtnow.com">Clear Debt Now</a></p> Related posts:<ol><li><a href='http://www.cleardebtnow.com/201111/more-americans-plan-to-spend-less-this-holiday/' rel='bookmark' title='Permanent Link: More Americans Plan to Spend Less This Holiday'>More Americans Plan to Spend Less This Holiday</a></li> <li><a href='http://www.cleardebtnow.com/201111/poll-men-giving-more-to-charity-this-holiday-than-women/' rel='bookmark' title='Permanent Link: Poll: Men Giving More to Charity this Holiday Than Women'>Poll: Men Giving More to Charity this Holiday Than Women</a></li> <li><a href='http://www.cleardebtnow.com/201105/gas-prices-forcing-americans-to-cut-spending/' rel='bookmark' title='Permanent Link: Gas Prices Forcing Americans to Cut Spending'>Gas Prices Forcing Americans to Cut Spending</a></li> </ol> </article> <article> <h1>Poll: Men Giving More to Charity this Holiday Than Women</h1> For the third year in a row the Red Cross conducted a national holiday giving survey. They polled more than a thousand people about their plans for spending and charitable giving over the holiday season. This year the survey found that 45 percent of people plan to cut back on spending on travel and holiday [...]<p><a href="http://www.cleardebtnow.com/201111/poll-men-giving-more-to-charity-this-holiday-than-women/">Poll: Men Giving More to Charity this Holiday Than Women</a> is a post from: <a href="http://www.cleardebtnow.com">Clear Debt Now</a></p> Related posts:<ol><li><a href='http://www.cleardebtnow.com/201111/more-americans-plan-to-spend-less-this-holiday/' rel='bookmark' title='Permanent Link: More Americans Plan to Spend Less This Holiday'>More Americans Plan to Spend Less This Holiday</a></li> <li><a href='http://www.cleardebtnow.com/201111/americans-keeping-holiday-debt-down/' rel='bookmark' title='Permanent Link: Americans Keeping Holiday Debt Down'>Americans Keeping Holiday Debt Down</a></li> <li><a href='http://www.cleardebtnow.com/201110/half-of-consumers-say-theyll-spend-less-on-gifts-in-2011/' rel='bookmark' title='Permanent Link: Half of Consumers Say They’ll Spend Less on Gifts in 2011'>Half of Consumers Say They’ll Spend Less on Gifts in 2011</a></li> </ol> </article> <article> <h1>Understanding the Consequences of Spending Now on Future Finances</h1> Are you a spender or a saver? It’s definitely worth thinking about as we move into the holiday season. Whether you’re a spender or a saver there is a trade-off. If you spend money now you’ll likely have to save more later, but a lifelong commitment to financial literacy is the best way to go [...]<p><a href="http://www.cleardebtnow.com/201111/understanding-the-consequences-of-spending-now-on-future-finances/">Understanding the Consequences of Spending Now on Future Finances</a> is a post from: <a href="http://www.cleardebtnow.com">Clear Debt Now</a></p> Related posts:<ol><li><a href='http://www.cleardebtnow.com/200810/deal-with-tough-finances-directly/' rel='bookmark' title='Permanent Link: Deal with Tough Finances Directly'>Deal with Tough Finances Directly</a></li> <li><a href='http://www.cleardebtnow.com/201105/michigan-study-shows-income-dropped-but-spending-didnt/' rel='bookmark' title='Permanent Link: Michigan Study Shows Income Dropped But Spending Didn’t'>Michigan Study Shows Income Dropped But Spending Didn’t</a></li> <li><a href='http://www.cleardebtnow.com/201107/study-brits-turn-to-credit-21-days-after-pay-day/' rel='bookmark' title='Permanent Link: Study: Brits Turn to Credit 21 Days After Pay Day'>Study: Brits Turn to Credit 21 Days After Pay Day</a></li> </ol> </article> <article> <h1>Holiday Can be Good Time for Family Financial Talks</h1> The holidays are typically full of family time. You spend more time with family during this portion of the year than any other. In fact, it may be the only time you see some relatives face to face. 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