Here are a wide range of free articles which we hope will help your take control of your debt. These articles touch on many subjects but if you are serious about creating a secure financial future, please consider getting a copy of our book or enrolling in our online course. Click on the links provided below for the article you wish to read. You are also welcome to download any of the articles provided on this page for your personal use. These articles use Adobe Acrobat pdf file format.

All of these articles have been written by Dr. Watson and are protected by copyright.

Comparing Debt-Free Income to Income with Various Debt Loads

Whenever you payoff your debts, it’s like giving yourself a pay raise. By looking at the chart below you can compare debt-free income to income with various debt loads. ...(click here for article)

Employee Financial Education is Good for Employers

If you want to give your employees a huge raise, give them access to quality financial education. Not only will your employees be grateful, it will increase your company’s profitability.... (click here for article)

Pay Now or Pay Later

Money- the more you make, the more it takes, or so it seems. This statement applies to employers as well as employees. While most businesses struggle with the challenge of ... (click here for article)

A Bad Credit Rating Can Be A Good Thing

A bad credit rating isn't always such a terrible thing. Here's a look at the bright side of bad credit scores. (click here for article)

A Brief History of Credit Cards

Despite being so commonplace in modern life, credit cards have a relatively short history. Read when the first cards appeared, and how they developed into the products we know today. (click here for article)

Crash Course on Credit Scores

Amazingly enough, someone's life can be drastically affected by three numbers. Here's a crash course on what they are and what consequences they can bring. (click here for article)

Avoid credit card traps

If you’re like most Americans, offers for credit cards arrive in your mail on a daily basis. Why are credit card companies so eager for your business? There are many reasons. (click here for article)

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Avoid The Sting If Your Credit Gets Blocked

Credit card blocks can cause major problems.  Learn what they are and how to avoid them. (click here for article)

Avoiding Credit Card Debt? Preventive Medicine is Best

Credit card debt is one of the most wide spread financial problems throughout many countries of the world. The convenience of using credit cards, combined with the special offers, discounts and reward systems offered by the credit card companies make this method of paying for goods the number one favorite for hundreds of millions of people. (click here for article)

Can You Really Get A Free Credit Report?

We’ve all seen the ads for “free credit reports” in our email and on various websites. But are most free credit report offers real? (click here for article)

10 Easy Ways for Single Parents to Save Money

In 2006, according to the US Census Bureau, there were approximately 14 million single parents in this country, and those parents are responsible for raising 21.6 million children. Eighty-three percent of single parents are mothers, and 30.3 percent of all single parents receive public assistance. (click here for article)

6 Credit Card Secrets Banks Don’t Tell You 

Find out about these secrets that can save you money—lots of money. (click here for article)

7 Quick Cash Fixes To Recover From a Money Emergency

When you are desperate to raise emergency funds, it usually doesn’t take very long for you to realize who really cares about you, who is truly a friend ... be they family or not.   Here are a few emergency budgeting tips:  (click here for article)

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9 Places You Can Save Money For Your Family

Most families are spending more and more money every year (and not just because the cost of living rose) while also saving less and less. One reason is that few household managers spend much time reviewing expenses and expenditures to find ways they can save money. (click here for article)

A Million Bucks In Scholarships - I'm Not Kidding!

The costs of a college education continue to escalate. The desire of students to pay for college with scholarships will challenge some of them to use the power of the internet to win one million dollars in scholarship awards. (click here for article)

Avoiding Impulse Spending

Answer these questions to determine if you are in impulse buyer. (click here for article)

"A Sucker Born Every Minute": Avoid These Debt Consolidation Scams

The web communications revolution has provided many unprecedented opportunities for commerce – and unfortunately, quite a few opportunities for swindlers to prey on the gullible. This is just as true for debt consolidation as for anything else. Here are some debt consolidation scams to stay away from. (click here for article)

10 Impeding Beliefs That Prevent You From Getting Rich

At one point in your life, you may ask yourself why other people are so successful with money when you’re not. Depending on how closely you look, you will have several answers. Do these sound familiar? (click here for article)

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10 Tips To Make Sure Your Financial Budget Will Succeed

You’ve analyzed your past expenses, put them into spreadsheets, loaded Quicken with all of your data and come up with a budget. Now what? The tough part! You actually have to stick to your budget and put your plans into action. This is easier said than done. In many cases you will have forgotten about your budget and your financial goals 6 months or a year down the road. How do you keep this from happening to you? (click here for article)

3 Credit Tips That Will Save You Hundreds Each Year

While extremely convenient, credit cards can be a very costly consumer product. Most people don’t realize just how expensive carrying around a credit card in your wallet can be. Each year many big spending credit card consumers can throw hundreds or even thousands of dollars out the window using credit cards. Even if you’re not a big credit card spender, almost anyone can save hundreds of dollars each year with these 3 credit card tips. (click here for article)

5 Easy Steps to Rebuild Your Credit after Bankruptcy

Bankruptcy does not need to chain you to bad credit for the next seven to ten years. This article outlines 5 easy steps to rebuilt your credit after bankruptcy. (click here for article)

5 Ways to Save Money on Your Car’s Gasoline

With gasoline prices steadily on the rise, many commuters are finding it more and more difficult to justify spending their hard earned money on the high cost of fuel rather than other necessities, including food and electricity.  With that in mind, there are five simple steps that you can take to help stretch your dollar a little bit farther when it comes to your car’s fuel consumption. (click here for article)

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How to Budget Your Credit Card Spending

Although acquiring a credit card is much easier than adhering to a budget, planning your credit card expenses is essential to help prevent dire consequences from credit card utilization. This may stem from the fact that a credit card is by no means a mobile automated teller machine. (click here for article)

How to Avoid Credit Card Pitfalls?

Seeing people buying food or shopping clothes using credit cards has been commonplace these days. The phrase "Charge it!" has become a favorite expression of card users, and has been commonly heard in shops, dining places, and elsewhere. (click here for article)

How to Save Money on Credit Cards: 8 Easy Tips

Holiday shopping overloaded your credit cards? Use these eight tips from author and CPA Stephen L. Nelson to get your credit back under control. (click here for article)

How to Spot Credit Repair Scams

Spotting credit-repair scams is getting harder every day. Learn how to spot them quickly. (click here for article)

 

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