<!DOCTYPE html><html lang="en-US"><head><meta http-equiv="content-type" content="text/html; charset=UTF-8"/><meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1"><title>Repaid.org — Kiss Debt Goodbye!</title><link rel="stylesheet" type="text/css" href="https://repaid.org/wp-content/themes/magnet/style.css" media="screen"/><!--[if IE 6.0]><link rel="stylesheet" type="text/css" href="https://repaid.org/wp-content/themes/magnet/ie6.css" /><link rel="stylesheet" type="text/css" href="https://repaid.org/wp-content/themes/magnet/ie.css" /><![endif]--><!--[if IE 7]><link rel="stylesheet" type="text/css" href="https://repaid.org/wp-content/themes/magnet/ie.css" /><![endif]--> <link href="https://fonts.googleapis.com/css?family=Ruda:400,900" rel="stylesheet" type="text/css"><link rel="pingback" href="https://repaid.org/xmlrpc.php"/><meta name="description" content="Kiss Debt Goodbye!"/><meta name="robots" content="index, follow"/><link rel="alternate" type="application/rss+xml" title="Repaid.org » Feed" href="https://repaid.org/feed/"/><link rel="alternate" type="application/rss+xml" title="Repaid.org » Comments Feed" href="https://repaid.org/comments/feed/"/><link rel="stylesheet" id="wpz-shortcodes-css" href="https://repaid.org/wp-content/themes/magnet/functions/wpzoom/assets/css/shortcodes.css?ver=3.3.1" type="text/css" media="all"/><link rel="stylesheet" id="wpzoom-custom-css" href="https://repaid.org/wp-content/themes/magnet/custom.css?ver=3.3.1" type="text/css" media="all"/><link rel="stylesheet" id="wzslider-css" href="https://repaid.org/wp-content/themes/magnet/functions/wpzoom/assets/css/wzslider.css?ver=3.3.1" type="text/css" media="all"/><script type="text/javascript" src="https://repaid.org/wp-includes/js/jquery/jquery.js?ver=1.7.1"></script><script type="text/javascript" src="https://repaid.org/wp-includes/js/jquery/ui/jquery.ui.core.min.js?ver=1.8.16"></script><script type="text/javascript" src="https://repaid.org/wp-includes/js/jquery/ui/jquery.ui.widget.min.js?ver=1.8.16"></script><script type="text/javascript" src="https://repaid.org/wp-includes/js/jquery/ui/jquery.ui.tabs.min.js?ver=1.8.16"></script><script type="text/javascript" src="https://repaid.org/wp-content/themes/magnet/functions/wpzoom/assets/js/shortcodes.js?ver=1"></script><script type="text/javascript" src="https://repaid.org/wp-content/themes/magnet/js/init.js?ver=3.3.1"></script><link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://repaid.org/xmlrpc.php?rsd"/><link rel="wlwmanifest" type="application/wlwmanifest+xml" href="https://repaid.org/wp-includes/wlwmanifest.xml"/> <meta name="generator" content="WordPress 3.3.1"/> <style type="text/css"> #wpadminbar .quicklinks li#wp-admin-bar-clickystats { height: 28px } #wpadminbar .quicklinks li#wp-admin-bar-clickystats a { height: 28px; padding: 0 } #wpadminbar .quicklinks li#wp-admin-bar-clickystats a img { padding: 4px 5px; height: 20px; width: 99px; } </style> <!-- WPZOOM Theme / Framework --><meta name="generator" content="Magnet 2.1.1"/><meta name="generator" content="WPZOOM Framework 1.3.5"/><link rel="shortcut icon" href="https://repaid.org/wp-content/uploads/2012/11/favicon.ico" type="image/x-icon"/></head> <body class="home blog"> <div id="page-wrap"> <div id="featured"> <div class="boxgrid caption"> <img src="https://repaid.org/wp-content/uploads/2013/01/Pay-Off-Credit-Card-2013-240x115.jpg" alt="Pay Off A Credit Card In 2013!" class="Thumbnail thumbnail featured-cat " width="240" height="115"/> <div class="cover boxcaption"> <h3><a href="https://repaid.org/321/pay-off-a-credit-card-in-2013/" title="Pay Off A Credit Card In 2013!">Pay Off A Credit Card In 2013!</a></h3> <p><a href="https://repaid.org/category/credit-cards/" title="View all posts in Credit Cards" rel="category tag">Credit Cards</a>, <a href="https://repaid.org/category/debt/" title="View all posts in Debt" rel="category tag">Debt</a></p> <a href="https://repaid.org/321/pay-off-a-credit-card-in-2013/" title="Pay Off A Credit Card In 2013!">If you are like most Americans you have several credit cards haunting your wallet and all of them have a balance. Like many...</a> </div> </div> <div class="boxgrid caption"> <img src="https://repaid.org/wp-content/uploads/2013/01/Lower-Mortgage-Payment-240x115.jpg" alt="4 Ways To Lower Your Mortgage Payments" class="Thumbnail thumbnail featured-cat " width="240" height="115"/> <div class="cover boxcaption"> <h3><a href="https://repaid.org/306/ways-to-lower-your-mortgage-payments/" title="4 Ways To Lower Your Mortgage Payments">4 Ways To Lower Your Mortgage Payments</a></h3> <p><a href="https://repaid.org/category/loans/" title="View all posts in Loans" rel="category tag">Loans</a></p> <a href="https://repaid.org/306/ways-to-lower-your-mortgage-payments/" title="4 Ways To Lower Your Mortgage Payments">The holiday season has come and gone. The season was not as joyous for some this year. Many of you were overwhelmed with...</a> </div> </div> <div class="boxgrid caption"> <img src="https://repaid.org/wp-content/uploads/2013/01/Winter-Spending-240x115.jpg" alt="5 Tips To Avoid “Depression Spending” This Winter" class="Thumbnail thumbnail featured-cat " width="240" height="115"/> <div class="cover boxcaption"> <h3><a href="https://repaid.org/315/5-tips-to-avoid-depression-spending-this-winter/" title="5 Tips To Avoid “Depression Spending” This Winter">5 Tips To Avoid “Depression Spending” This Winter</a></h3> <p><a href="https://repaid.org/category/frugality/" title="View all posts in Frugality" rel="category tag">Frugality</a></p> <a href="https://repaid.org/315/5-tips-to-avoid-depression-spending-this-winter/" title="5 Tips To Avoid “Depression Spending” This Winter">Winter has been upon us for more than a month now. The holiday season has passed and the hours of gray or dark skies are...</a> </div> </div> <div class="boxgrid caption"> <img src="https://repaid.org/wp-content/uploads/2013/01/Stretching-Paycheck-240x115.jpg" alt="Are You Stretching Your Check Too Thin?" class="Thumbnail thumbnail featured-cat " width="240" height="115"/> <div class="cover boxcaption"> <h3><a href="https://repaid.org/289/are-you-stretching-your-check-too-thin/" title="Are You Stretching Your Check Too Thin?">Are You Stretching Your Check Too Thin?</a></h3> <p><a href="https://repaid.org/category/budgeting/" title="View all posts in Budgeting" rel="category tag">Budgeting</a></p> <a href="https://repaid.org/289/are-you-stretching-your-check-too-thin/" title="Are You Stretching Your Check Too Thin?">If you look at how much money you have at the end of a typical week, many of you would say that your paycheck is stretched...</a> </div> </div> <div class="clear"></div> </div> <!-- /#featured --> <div id="main"> <div id="header"> <div id="logo"><a href="https://repaid.org/"><img src="https://repaid.org/wp-content/uploads/2012/11/repaid-logo.png" alt="Repaid.org"/></a></div> <div id="subscribe"> <ul> <li><a href="https://repaid.org/feed/"><img src="https://repaid.org/wp-content/themes/magnet/images/icons/rss.png" alt="title"/>Subscribe to RSS</a></li> <li><a href="https://twitter.com/RepaidOrg" target="_blank"><img src="https://repaid.org/wp-content/themes/magnet/images/icons/twitter.png" alt="title"/>Follow us</a></li> <li><a href="https://www.facebook.com/pages/Repaidorg/383557118398614" target="_blank"><img src="https://repaid.org/wp-content/themes/magnet/images/icons/facebook.png" alt="title"/>Facebook Page</a></li> </ul> </div> <div class="head_bg"> <img src="https://repaid.org/wp-content/themes/magnet/images/headers/header.jpg" width="979" height="162" alt=""/> </div> </div> <!-- /#header --> <div id="headPages"> <ul id="menu-main" class="dropdown"><li id="menu-item-30" class="menu-item menu-item-type-custom menu-item-object-custom current-menu-item menu-item-home menu-item-30"><a href="https://repaid.org/">Home</a></li><li id="menu-item-27" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-27"><a href="https://repaid.org/category/budgeting/">Budgeting</a></li><li id="menu-item-284" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-284"><a href="https://repaid.org/category/credit/">Credit</a></li><li id="menu-item-43" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-43"><a href="https://repaid.org/category/debt/">Debt</a></li><li id="menu-item-29" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-29"><a href="https://repaid.org/category/frugality/">Frugality</a></li><li id="menu-item-28" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-28"><a href="https://repaid.org/category/loans/">Loans</a></li></ul> <div id="searchbar"> <form method="get" id="searchform" action="https://repaid.org/"> <input type="text" onblur="if (this.value == '') {this.value = 'search';}" onfocus="if (this.value == 'search') {this.value = '';}" value="search" name="s" id="s"/> <input type="submit" id="searchsubmit" value="Search"/></form> </div> </div><!-- /#headPages --> <div id="categmenu"> </div><!-- /#headCateg --> <div id="content"> <div class="post" id="post-331"> <h2 class="title"><a href="https://repaid.org/331/it-is-time-to-have-a-look-at-your-homeowners-insurance/" rel="bookmark" title="Permanent Link to It Is Time To Have A Look At Your Homeowners Insurance">It Is Time To Have A Look At Your Homeowners Insurance</a></h2> <div class="meta"> <ul> <li class="time">January 15, 2013 at 1:19 pm</li> <li class="category"><a href="https://repaid.org/category/insurance/" title="View all posts in Insurance" rel="category tag">Insurance</a></li> <li class="comments"><a href="https://repaid.org/331/it-is-time-to-have-a-look-at-your-homeowners-insurance/#comments" title="Comment on It Is Time To Have A Look At Your Homeowners Insurance">2 comments</a></li> </ul> </div> <div class="retweet"> <a href="https://twitter.com/share" data-url="https://repaid.org/331/it-is-time-to-have-a-look-at-your-homeowners-insurance/" data-text="It Is Time To Have A Look At Your Homeowners Insurance" class="twitter-share-button" data-count="horizontal" data-via="RepaidOrg">Tweet</a><script type="text/javascript" src="https://platform.twitter.com/widgets.js"></script> </div> <div class="clear"></div> <div class="post-thumb"><a href="https://repaid.org/331/it-is-time-to-have-a-look-at-your-homeowners-insurance/" title="It Is Time To Have A Look At Your Homeowners Insurance"><img src="https://repaid.org/wp-content/uploads/2013/01/Home-Owners-Insurance-280x200.jpg" alt="It Is Time To Have A Look At Your Homeowners Insurance" class="Thumbnail thumbnail " width="280" height="200"/></a></div> <div class="post-content"> <div class="entry"> <p>After every major storm there are many people who are left with a lot of repairs that are not covered by their homeowner’s policy. Unfortunately, the people affected by Hurricane Sandy are no different. It has been a few months since that storm ripped the East coast and there are [...]</p> </div> <a class="more-link" href="https://repaid.org/331/it-is-time-to-have-a-look-at-your-homeowners-insurance/"><span class="more"><span>+</span>Continue Reading</span></a> <div class="clear"></div> </div><!-- /.post-content --> </div> <!-- /.post --> <div class="post" id="post-327"> <h2 class="title"><a href="https://repaid.org/327/4-commonly-overlooked-tax-deductions/" rel="bookmark" title="Permanent Link to 4 Commonly Overlooked Tax Deductions">4 Commonly Overlooked Tax Deductions</a></h2> <div class="meta"> <ul> <li class="time">January 14, 2013 at 12:47 pm</li> <li class="category"><a href="https://repaid.org/category/taxes/" title="View all posts in Taxes" rel="category tag">Taxes</a></li> <li class="comments"><a href="https://repaid.org/327/4-commonly-overlooked-tax-deductions/#comments" title="Comment on 4 Commonly Overlooked Tax Deductions">1 comment</a></li> </ul> </div> <div class="retweet"> <a href="https://twitter.com/share" data-url="https://repaid.org/327/4-commonly-overlooked-tax-deductions/" data-text="4 Commonly Overlooked Tax Deductions" class="twitter-share-button" data-count="horizontal" data-via="RepaidOrg">Tweet</a><script type="text/javascript" src="https://platform.twitter.com/widgets.js"></script> </div> <div class="clear"></div> <div class="post-thumb"><a href="https://repaid.org/327/4-commonly-overlooked-tax-deductions/" title="4 Commonly Overlooked Tax Deductions"><img src="https://repaid.org/wp-content/uploads/2013/01/Tax-Deductions-280x200.jpg" alt="4 Commonly Overlooked Tax Deductions" class="Thumbnail thumbnail " width="280" height="200"/></a></div> <div class="post-content"> <div class="entry"> <p>Well, it’s a new year. I don’t know about you, but my TV has become saturated with commercials from Turbotax, H&R Block, and some other upstarts like Tax Slayer. Anyway, it is never to early to prepare yourself for a larger return or a lower contribution. Here are a few [...]</p> </div> <a class="more-link" href="https://repaid.org/327/4-commonly-overlooked-tax-deductions/"><span class="more"><span>+</span>Continue Reading</span></a> <div class="clear"></div> </div><!-- /.post-content --> </div> <!-- /.post --> <div class="post" id="post-321"> <h2 class="title"><a href="https://repaid.org/321/pay-off-a-credit-card-in-2013/" rel="bookmark" title="Permanent Link to Pay Off A Credit Card In 2013!">Pay Off A Credit Card In 2013!</a></h2> <div class="meta"> <ul> <li class="time">January 11, 2013 at 12:01 pm</li> <li class="category"><a href="https://repaid.org/category/credit-cards/" title="View all posts in Credit Cards" rel="category tag">Credit Cards</a>, <a href="https://repaid.org/category/debt/" title="View all posts in Debt" rel="category tag">Debt</a></li> <li class="comments"><a href="https://repaid.org/321/pay-off-a-credit-card-in-2013/#respond" title="Comment on Pay Off A Credit Card In 2013!">0 comments</a></li> </ul> </div> <div class="retweet"> <a href="https://twitter.com/share" data-url="https://repaid.org/321/pay-off-a-credit-card-in-2013/" data-text="Pay Off A Credit Card In 2013!" class="twitter-share-button" data-count="horizontal" data-via="RepaidOrg">Tweet</a><script type="text/javascript" src="https://platform.twitter.com/widgets.js"></script> </div> <div class="clear"></div> <div class="post-thumb"><a href="https://repaid.org/321/pay-off-a-credit-card-in-2013/" title="Pay Off A Credit Card In 2013!"><img src="https://repaid.org/wp-content/uploads/2013/01/Pay-Off-Credit-Card-2013-280x200.jpg" alt="Pay Off A Credit Card In 2013!" class="Thumbnail thumbnail " width="280" height="200"/></a></div> <div class="post-content"> <div class="entry"> <p>If you are like most Americans you have several credit cards haunting your wallet and all of them have a balance. Like many of your fellow capitalists, you have resolved to pay off some of that debt and keep the cards away from the stores. While making that resolution is [...]</p> </div> <a class="more-link" href="https://repaid.org/321/pay-off-a-credit-card-in-2013/"><span class="more"><span>+</span>Continue Reading</span></a> <div class="clear"></div> </div><!-- /.post-content --> </div> <!-- /.post --> <div class="post" id="post-315"> <h2 class="title"><a href="https://repaid.org/315/5-tips-to-avoid-depression-spending-this-winter/" rel="bookmark" title="Permanent Link to 5 Tips To Avoid “Depression Spending” This Winter">5 Tips To Avoid “Depression Spending” This Winter</a></h2> <div class="meta"> <ul> <li class="time">January 10, 2013 at 12:52 pm</li> <li class="category"><a href="https://repaid.org/category/frugality/" title="View all posts in Frugality" rel="category tag">Frugality</a></li> <li class="comments"><a href="https://repaid.org/315/5-tips-to-avoid-depression-spending-this-winter/#comments" title="Comment on 5 Tips To Avoid “Depression Spending” This Winter">2 comments</a></li> </ul> </div> <div class="retweet"> <a href="https://twitter.com/share" data-url="https://repaid.org/315/5-tips-to-avoid-depression-spending-this-winter/" data-text="5 Tips To Avoid “Depression Spending” This Winter" class="twitter-share-button" data-count="horizontal" data-via="RepaidOrg">Tweet</a><script type="text/javascript" src="https://platform.twitter.com/widgets.js"></script> </div> <div class="clear"></div> <div class="post-thumb"><a href="https://repaid.org/315/5-tips-to-avoid-depression-spending-this-winter/" title="5 Tips To Avoid “Depression Spending” This Winter"><img src="https://repaid.org/wp-content/uploads/2013/01/Winter-Spending-280x200.jpg" alt="5 Tips To Avoid “Depression Spending” This Winter" class="Thumbnail thumbnail " width="280" height="200"/></a></div> <div class="post-content"> <div class="entry"> <p>Winter has been upon us for more than a month now. The holiday season has passed and the hours of gray or dark skies are beginning to stifle you. Millions of people around the world go through this every year. While you may not have a full blown case of [...]</p> </div> <a class="more-link" href="https://repaid.org/315/5-tips-to-avoid-depression-spending-this-winter/"><span class="more"><span>+</span>Continue Reading</span></a> <div class="clear"></div> </div><!-- /.post-content --> </div> <!-- /.post --> <div class="post" id="post-306"> <h2 class="title"><a href="https://repaid.org/306/ways-to-lower-your-mortgage-payments/" rel="bookmark" title="Permanent Link to 4 Ways To Lower Your Mortgage Payments">4 Ways To Lower Your Mortgage Payments</a></h2> <div class="meta"> <ul> <li class="time">January 9, 2013 at 12:53 pm</li> <li class="category"><a href="https://repaid.org/category/loans/" title="View all posts in Loans" rel="category tag">Loans</a></li> <li class="comments"><a href="https://repaid.org/306/ways-to-lower-your-mortgage-payments/#comments" title="Comment on 4 Ways To Lower Your Mortgage Payments">4 comments</a></li> </ul> </div> <div class="retweet"> <a href="https://twitter.com/share" data-url="https://repaid.org/306/ways-to-lower-your-mortgage-payments/" data-text="4 Ways To Lower Your Mortgage Payments" class="twitter-share-button" data-count="horizontal" data-via="RepaidOrg">Tweet</a><script type="text/javascript" src="https://platform.twitter.com/widgets.js"></script> </div> <div class="clear"></div> <div class="post-thumb"><a href="https://repaid.org/306/ways-to-lower-your-mortgage-payments/" title="4 Ways To Lower Your Mortgage Payments"><img src="https://repaid.org/wp-content/uploads/2013/01/Lower-Mortgage-Payment-280x200.jpg" alt="4 Ways To Lower Your Mortgage Payments" class="Thumbnail thumbnail " width="280" height="200"/></a></div> <div class="post-content"> <div class="entry"> <p>The holiday season has come and gone. The season was not as joyous for some this year. Many of you were overwhelmed with worry over your mortgage payments, preventing you from enjoying the holidays. If you are struggling to make your monthly payments, here are a few tips that may [...]</p> </div> <a class="more-link" href="https://repaid.org/306/ways-to-lower-your-mortgage-payments/"><span class="more"><span>+</span>Continue Reading</span></a> <div class="clear"></div> </div><!-- /.post-content --> </div> <!-- /.post --> <div class="post" id="post-303"> <h2 class="title"><a href="https://repaid.org/303/does-an-additional-25-a-month-matter-to-your-credit-card-debt/" rel="bookmark" title="Permanent Link to Does An Additional $25 A Month Matter To Your Credit Card Debt?">Does An Additional $25 A Month Matter To Your Credit Card Debt?</a></h2> <div class="meta"> <ul> <li class="time">January 8, 2013 at 12:49 pm</li> <li class="category"><a href="https://repaid.org/category/debt/" title="View all posts in Debt" rel="category tag">Debt</a></li> <li class="comments"><a href="https://repaid.org/303/does-an-additional-25-a-month-matter-to-your-credit-card-debt/#comments" title="Comment on Does An Additional $25 A Month Matter To Your Credit Card Debt?">8 comments</a></li> </ul> </div> <div class="retweet"> <a href="https://twitter.com/share" data-url="https://repaid.org/303/does-an-additional-25-a-month-matter-to-your-credit-card-debt/" data-text="Does An Additional $25 A Month Matter To Your Credit Card Debt?" class="twitter-share-button" data-count="horizontal" data-via="RepaidOrg">Tweet</a><script type="text/javascript" src="https://platform.twitter.com/widgets.js"></script> </div> <div class="clear"></div> <div class="post-thumb"><a href="https://repaid.org/303/does-an-additional-25-a-month-matter-to-your-credit-card-debt/" title="Does An Additional $25 A Month Matter To Your Credit Card Debt?"><img src="https://repaid.org/wp-content/uploads/2013/01/5000-Credit-Card-Debt-280x200.jpg" alt="Does An Additional $25 A Month Matter To Your Credit Card Debt?" class="Thumbnail thumbnail " width="280" height="200"/></a></div> <div class="post-content"> <div class="entry"> <p>Much is made of paying off credit card debt. So much that you may feel as if you are failing if you have not made a huge amount of head way. Unfortunately, many of us cannot commit large amounts of cash to pay down our debts and feel that make [...]</p> </div> <a class="more-link" href="https://repaid.org/303/does-an-additional-25-a-month-matter-to-your-credit-card-debt/"><span class="more"><span>+</span>Continue Reading</span></a> <div class="clear"></div> </div><!-- /.post-content --> </div> <!-- /.post --> <div class="post" id="post-294"> <h2 class="title"><a href="https://repaid.org/294/why-i-borrowed-from-my-401k/" rel="bookmark" title="Permanent Link to Why I Borrowed From My 401(k)">Why I Borrowed From My 401(k)</a></h2> <div class="meta"> <ul> <li class="time">January 7, 2013 at 11:57 am</li> <li class="category"><a href="https://repaid.org/category/credit/" title="View all posts in Credit" rel="category tag">Credit</a></li> <li class="comments"><a href="https://repaid.org/294/why-i-borrowed-from-my-401k/#comments" title="Comment on Why I Borrowed From My 401(k)">2 comments</a></li> </ul> </div> <div class="retweet"> <a href="https://twitter.com/share" data-url="https://repaid.org/294/why-i-borrowed-from-my-401k/" data-text="Why I Borrowed From My 401(k)" class="twitter-share-button" data-count="horizontal" data-via="RepaidOrg">Tweet</a><script type="text/javascript" src="https://platform.twitter.com/widgets.js"></script> </div> <div class="clear"></div> <div class="post-thumb"><a href="https://repaid.org/294/why-i-borrowed-from-my-401k/" title="Why I Borrowed From My 401(k)"><img src="https://repaid.org/wp-content/uploads/2013/01/Borrowing-from-401K-280x200.jpg" alt="Why I Borrowed From My 401(k)" class="Thumbnail thumbnail " width="280" height="200"/></a></div> <div class="post-content"> <div class="entry"> <p>There are many of you preparing an acidic comment on the folly of borrowing from your 401(k) at any time, but please read through this post first. I do agree that borrowing from your 401(k) is a last line of defense and should only be used in desperation. Here is [...]</p> </div> <a class="more-link" href="https://repaid.org/294/why-i-borrowed-from-my-401k/"><span class="more"><span>+</span>Continue Reading</span></a> <div class="clear"></div> </div><!-- /.post-content --> </div> <!-- /.post --> <div class="post" id="post-297"> <h2 class="title"><a href="https://repaid.org/297/6-month-prep-plan-for-your-loan-application/" rel="bookmark" title="Permanent Link to 6-Month Prep-Plan for Your Loan Application">6-Month Prep-Plan for Your Loan Application</a></h2> <div class="meta"> <ul> <li class="time">January 4, 2013 at 12:03 pm</li> <li class="category"><a href="https://repaid.org/category/credit/" title="View all posts in Credit" rel="category tag">Credit</a>, <a href="https://repaid.org/category/loans/" title="View all posts in Loans" rel="category tag">Loans</a></li> <li class="comments"><a href="https://repaid.org/297/6-month-prep-plan-for-your-loan-application/#respond" title="Comment on 6-Month Prep-Plan for Your Loan Application">0 comments</a></li> </ul> </div> <div class="retweet"> <a href="https://twitter.com/share" data-url="https://repaid.org/297/6-month-prep-plan-for-your-loan-application/" data-text="6-Month Prep-Plan for Your Loan Application" class="twitter-share-button" data-count="horizontal" data-via="RepaidOrg">Tweet</a><script type="text/javascript" src="https://platform.twitter.com/widgets.js"></script> </div> <div class="clear"></div> <div class="post-thumb"><a href="https://repaid.org/297/6-month-prep-plan-for-your-loan-application/" title="6-Month Prep-Plan for Your Loan Application"><img src="https://repaid.org/wp-content/uploads/2013/01/Preparing-For-Loan-Application-280x200.jpg" alt="6-Month Prep-Plan for Your Loan Application" class="Thumbnail thumbnail " width="280" height="200"/></a></div> <div class="post-content"> <div class="entry"> <p>Looking at a shiny new car or hoping to buy a home? If you want to maximize your chances of being approved for the loan that you may need and get the best possible interest rate, you may want to put off your loan application for about six months. Here [...]</p> </div> <a class="more-link" href="https://repaid.org/297/6-month-prep-plan-for-your-loan-application/"><span class="more"><span>+</span>Continue Reading</span></a> <div class="clear"></div> </div><!-- /.post-content --> </div> <!-- /.post --> <div class="post" id="post-289"> <h2 class="title"><a href="https://repaid.org/289/are-you-stretching-your-check-too-thin/" rel="bookmark" title="Permanent Link to Are You Stretching Your Check Too Thin?">Are You Stretching Your Check Too Thin?</a></h2> <div class="meta"> <ul> <li class="time">January 3, 2013 at 3:57 pm</li> <li class="category"><a href="https://repaid.org/category/budgeting/" title="View all posts in Budgeting" rel="category tag">Budgeting</a></li> <li class="comments"><a href="https://repaid.org/289/are-you-stretching-your-check-too-thin/#comments" title="Comment on Are You Stretching Your Check Too Thin?">2 comments</a></li> </ul> </div> <div class="retweet"> <a href="https://twitter.com/share" data-url="https://repaid.org/289/are-you-stretching-your-check-too-thin/" data-text="Are You Stretching Your Check Too Thin?" class="twitter-share-button" data-count="horizontal" data-via="RepaidOrg">Tweet</a><script type="text/javascript" src="https://platform.twitter.com/widgets.js"></script> </div> <div class="clear"></div> <div class="post-thumb"><a href="https://repaid.org/289/are-you-stretching-your-check-too-thin/" title="Are You Stretching Your Check Too Thin?"><img src="https://repaid.org/wp-content/uploads/2013/01/Stretching-Paycheck-280x200.jpg" alt="Are You Stretching Your Check Too Thin?" class="Thumbnail thumbnail " width="280" height="200"/></a></div> <div class="post-content"> <div class="entry"> <p>If you look at how much money you have at the end of a typical week, many of you would say that your paycheck is stretched way too thin. Despite acknowledging that your take home pay isn’t keeping up with your spending, do you know where you are stretching yourself [...]</p> </div> <a class="more-link" href="https://repaid.org/289/are-you-stretching-your-check-too-thin/"><span class="more"><span>+</span>Continue Reading</span></a> <div class="clear"></div> </div><!-- /.post-content --> </div> <!-- /.post --> <div class="post" id="post-280"> <h2 class="title"><a href="https://repaid.org/280/why-worry-about-one-late-payment/" rel="bookmark" title="Permanent Link to Why Worry About One Late Payment?">Why Worry About One Late Payment?</a></h2> <div class="meta"> <ul> <li class="time">January 2, 2013 at 12:11 pm</li> <li class="category"><a href="https://repaid.org/category/credit/" title="View all posts in Credit" rel="category tag">Credit</a></li> <li class="comments"><a href="https://repaid.org/280/why-worry-about-one-late-payment/#comments" title="Comment on Why Worry About One Late Payment?">6 comments</a></li> </ul> </div> <div class="retweet"> <a href="https://twitter.com/share" data-url="https://repaid.org/280/why-worry-about-one-late-payment/" data-text="Why Worry About One Late Payment?" class="twitter-share-button" data-count="horizontal" data-via="RepaidOrg">Tweet</a><script type="text/javascript" src="https://platform.twitter.com/widgets.js"></script> </div> <div class="clear"></div> <div class="post-thumb"><a href="https://repaid.org/280/why-worry-about-one-late-payment/" title="Why Worry About One Late Payment?"><img src="https://repaid.org/wp-content/uploads/2012/12/Late-Payment-280x200.jpg" alt="Why Worry About One Late Payment?" class="Thumbnail thumbnail " width="280" height="200"/></a></div> <div class="post-content"> <div class="entry"> <p>Why should I worry about one late payment? After all, you have been making on time payments for years, so how bad could a single late one be? The truth is, if you have been making all of your payments on time for years, according to FICO, one recent late [...]</p> </div> <a class="more-link" href="https://repaid.org/280/why-worry-about-one-late-payment/"><span class="more"><span>+</span>Continue Reading</span></a> <div class="clear"></div> </div><!-- /.post-content --> </div> <!-- /.post --> <div class="navigation"><span class="page-numbers current">1</span><a class="page-numbers" href="https://repaid.org/page/2/">2</a><a class="page-numbers" href="https://repaid.org/page/3/">3</a><span class="page-numbers dots">…</span><a class="page-numbers" href="https://repaid.org/page/5/">5</a><a class="next page-numbers" href="https://repaid.org/page/2/">Next →</a></div> </div> <!-- /#content --> <div id="sidebar"> <div id="carousel" class="widget"> <h3 class="title">Featured Posts</h3> <div class="scrollable"> <div id="thumbs"> <div> <a href="https://repaid.org/270/4-steps-to-save-more-in-the-coming-year/" title="4 Steps To Save More 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src="http://0.gravatar.com/avatar/c096ef6351035a86d8bfcb8d1d4e1e7e?s=50&d=http%3A%2F%2F0.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D50&r=G" class="avatar avatar-50 photo" height="50" width="50"/></a> <a href="https://repaid.org/331/it-is-time-to-have-a-look-at-your-homeowners-insurance/#comment-158">Jerry Coffey:</a> You a brilliant point, John. I was focused on the homeowner's aspect and completely ignored the…<div class="clear"></div> </li> <li> <a href="https://repaid.org/331/it-is-time-to-have-a-look-at-your-homeowners-insurance/#comment-157"><img alt="" src="http://0.gravatar.com/avatar/0dbc954b95edaaaae2703af9bbfe62f7?s=50&d=http%3A%2F%2F0.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D50&r=G" class="avatar avatar-50 photo" height="50" width="50"/></a> <a href="https://repaid.org/331/it-is-time-to-have-a-look-at-your-homeowners-insurance/#comment-157">John S @ Frugal Rules:</a> Thanks for the reminder, we need to look at ours again actually. I think it's something many of…<div class="clear"></div> </li> <li> <a href="https://repaid.org/327/4-commonly-overlooked-tax-deductions/#comment-153"><img alt="" src="http://0.gravatar.com/avatar/0dbc954b95edaaaae2703af9bbfe62f7?s=50&d=http%3A%2F%2F0.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D50&r=G" class="avatar avatar-50 photo" height="50" width="50"/></a> <a href="https://repaid.org/327/4-commonly-overlooked-tax-deductions/#comment-153">John S @ Frugal Rules:</a> I would agree that many of these can be overlooked and can possibly benefit you quite well. Run…<div class="clear"></div> </li> <li> <a href="https://repaid.org/315/5-tips-to-avoid-depression-spending-this-winter/#comment-137"><img alt="" src="http://1.gravatar.com/avatar/510b5d1462a54ec19276c34b61128379?s=50&d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D50&r=G" class="avatar avatar-50 photo" height="50" width="50"/></a> <a href="https://repaid.org/315/5-tips-to-avoid-depression-spending-this-winter/#comment-137">Mackenzie:</a> I know for me, wearing bright colors really helps get me out of a funk. And music is required! …<div class="clear"></div> </li> <li> <a href="https://repaid.org/315/5-tips-to-avoid-depression-spending-this-winter/#comment-136"><img alt="" src="http://0.gravatar.com/avatar/0dbc954b95edaaaae2703af9bbfe62f7?s=50&d=http%3A%2F%2F0.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D50&r=G" class="avatar avatar-50 photo" height="50" width="50"/></a> <a href="https://repaid.org/315/5-tips-to-avoid-depression-spending-this-winter/#comment-136">John S @ Frugal Rules:</a> Great tips! I could not agree more on #4 or #5. Both can really attack the mental aspect that c…<div class="clear"></div> </li> </ul><div class="clear"></div></div></div><div id="wpzoom-twitter-2" class="widget twitter"><h3 class="title">Latest Tweets</h3><div class="padder"><ul class="twitter-list"><li class="twitter-item"> RT <a href="https://twitter.com/debtroundup" class="twitter-user">@debtroundup</a>: Does the European Union Still Have a Purpose in Today’s Falling Economy? <a href="http://t.co/slsZMbSK" class="twitter-link">http://t.co/slsZMbSK</a> <a href="https://twitter.com/RepaidOrg/statuses/291357909512777729" class="twitter-link">#</a> <em class="twitter-timestamp">1 hour ago</em></li><li class="twitter-item"> RT <a href="https://twitter.com/rozwhitehurst" class="twitter-user">@rozwhitehurst</a> <a href="https://twitter.com/SmartSpending" class="twitter-user">@SmartSpending</a>: 3 loans that are tough to refinance <a href="http://t.co/2CwMGfpS" class="twitter-link">http://t.co/2CwMGfpS</a> ^KD via <a 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