It’s easy to get worked up over debt and the future of your personal finances when you feel like you’re fighting alone. But that’s a silly sentiment to carry considering the amount of free financial information and money management resources available to you on the World Wide Web. If you’re reading this, then you’re already somewhat familiar with consulting online sources for figuring out financial problems. Yet blogs are just the beginning.
Once upon a time, it took a series of phone calls and data requests from the local library to configure a reasonable retirement planning projection by yourself. Otherwise, you needed to visit an accountant or financial planner. But these days you can easily plug in your variables through a retirement calculator to come up with a basic idea of how to move forward with retirement planning. Such calculators are free and available for use 24 hours a day, seven days a week, it’s just that easy!
The government provides similar calculators to the public for use in figuring out debt repayment and personal financial advice. For instance, the Bureau of Labor Statistics includes a consumer price index on their website for Americans to easily see how much you should be paying for certain goods and services. The Federal Reserve’s website features a handy credit card repayment calculator. If you forget about the fact that your tax dollars paid for these things, consider then free services.
Beyond government provided websites, more and more companies are realizing the value of easy to use and helpful websites for your financial needs. Whether it is a submission form to see what kid of car you can afford, house you can buy or getting a line of credit, there is a resource out there for you. Sites like LadderCredit.com have made an online footprint by designing their systems and business around customer service. Once you submit your information help is on the way sooner than later!
Free resources for solving credit card debt dilemmas don’t end with calculators courtesy of the federal government. Every American is entitled to one free annual credit card report from the major credit reporting agencies. Don’t let a year go by without accessing yours to keep track of borrowing activity and payback progress. In addition, visit Optoutprescreen.com to prevent yourself from receiving credit card offers through the U.S. mail.
If you haven’t taken advantage of these free resources for debt solutions and money management, then you haven’t taken your financial problems seriously. The first step in frugality is finding the free stuff first. You can start by visiting the suggestions listed above, and by further consulting financial blogs on the web.