Personal finance news - CNNMoney.com Updated : Life after a six-figure salary Happy new year and welcome to your new job. One that pays 30%, 50%, 70% less than your old one. Publ.Date : Fri, 02 Jan 2009 06:26:42 EST Keeping wealth in the family Lisa and Bruce Brown are fortunate enough to have plenty of assets to protect. Foremost of these is their children: The Browns are the proud parents of four-year-old Emma, and they have another baby on the way. The Oakland couple also have considerable assets of the financial variety. Thanks to diligent saving and smart property investments, the Browns have a net worth of nearly $2 million. Publ.Date : Wed, 31 Dec 2008 13:09:06 EST Macy's reports overcharging customers Some Macy's stores overcharged holiday shoppers who used debit cards to make purchases on one of the busiest shopping days of the year. Publ.Date : Fri, 02 Jan 2009 15:27:22 EST RSS For Web Pages Increase Web Traffic

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Consolidate credit card debt

Managing credit card debts requires a careful consideration of many factors. One of the most widely accepted option is to consolidate credit card debt.  The important question is - when can one consolidate credit card debt?  Some of the ways one can manage credit card debt are given below:

• Request for a credit line from the bank whose interest rate is less than the interest rates on credit cards

• In case of multiple credit cards, look for a balance transfer from one to another whose interest rates are low. This way one can free up some money which can be paid back into the credit card debt.  Watch for balance transfer fees and this could be higher. If the total costs are low with balance transfer credit cards, one can get out of debts soon.

• Look for new credit cards that offer introductory low interest for 6 months or so.  With this one can consolidate credit card debt into one debt for at least 6 months. Money saved during the introductory period can be used to clear more debts. Some questions that need to be asked include: How long does the introductory rate last? What is the card's annual percentage rate after the low rate expires? Does the low rate apply to transferred balances or new purchases or both? Does that card have an annual fee? Will there be late fees and over-the-limit fees?

After making a decision to consolidate credit card debt, one has to exercise extreme caution in spending. The objective should be not to get into serious credit card debt again. Ensure that your credit report and credit scores are not affected by your decision to consolidate credit card debt. For more information click- debt consolidation loans.

We have searched the internet and presented here links to various internet sources that give information on loans to consolidate debt, home equity loans, car loans, mortgage loans, personal loans, credit cards and credit reports. Click through these links and understand the terms and conditions before applying for any of these loans, credit cards and credit reports.