Negotiate Debts, Frugal Living, Save Money

Sorry President Bush But My Stimulus Check Is Paying Bills

I got my notice in the mail on Tuesday that my stimulus check should be here this week. As I check the mailbox every day, I think about what I am going to do with it. I have gone back and forth between increasing my emergency fund or paying off bills. Either [...]

Credit Report Surprises

There are some people who question the ethics of repairing your credit score by disputing debts that you know are yours. I admit that I have some qualms about lying to anyone, and yes, it is lying to the Credit bureau but then, I think about my experience with the worst marks on my [...]

Reader Question: What Do I Put In A Credit Letter?

Yesterday’s post on tips to improve your credit score prompted some questions from readers. Sample debt settlement letters or sample letters to the credit bureau are frequently searched for on google and yahoo. One of my readers asked
Ok, we have paid off our debt almost 3 years ago. I just found out that I [...]

Welcome Gather Little By Little Readers

Welcome to Oh My Aching Debts.  I hope you enjoy the site.  If you are interested in debt negotiation and credit articles, you may want to check out the index to articles on Debt Settlement and Negotiation or you can learn more about me here.
For my readers, I have a guest post over at Gather [...]

10 Steps to Take if You Can’t Pay Your Bills

With the current economic situation, many people are having difficulty paying their bills. Banks, mortgage companies and lenders will often work with you to allow you time to get back on your feet financially.
One of my creditors cut the interest rate drastically and the payments in more than half for 6 months to help [...]

Capital One Done!

Just a quick note to say that I got Capital One taken care of today.  It cost me almost $300 more than it would have cost me if I could have settled it last month but at least it’s done and off my mind.
The lesson here is not to make an agreement that you can’t [...]

Monday Daily Snowflake of Savings

The Challenge today is to make your own bottled water. Companies have admitted that bottled water is no more than tap water in a bottle. Keep your bottles and reuse them. If you replace soda or bottled water with your own, you will save $1.30 and it’s kinder to the earth. [...]

Daily Flake Challenge # 7

The Debt Snowflake of the day is:
Have an at-home date tonight complete with candles, wine and soft music instead of dinner out and a movie. Send the savings to the creditor of your choice.
See All The Daily Flakes
Remember you need to send your snowflake right away. Best way to do this is to have an [...]

Some Days It Just Doesn’t Pay to Get Up!

by Cat Sidh
Friday was one of those days when I would have been better off staying in bed. Actually the whole week has been like that and I will be glad when it’s over. To really understand what a bad day it was on Friday, you have to hear about Thursday. [...]

Daily Flake Challenge #6

The Debt Snowflake of the day is:
Take your kids to the park instead of McDonalds.  Send the money you save to pay a debt.
See All The Daily Flakes
Remember you need to send your snowflake right away. Best way to do this is to have an online billpayer account so you don’t have to pay postage [...]

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