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It's time to begin planning
your holiday funding.
Apply for a Christmas credit card
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Free Personal Budget Software with Expense Manager

Use our free financial calculators to effectively manage money.

 

Credit Federal's Free Personal Finance Center offers:

 - Record and Track Expenses, and sort by type and/or by date.

 - Record Income/Deposits. Software also calculates debt-to-income ratio.

 - Instant Credit Grade Calculation. Software analyzes expenses.

 - Helpful Tips. If your grade is low, the software offers tips to improve.

    

The software is 100% free, operates on Windows computers, and does not require entering sensitive data such as credit card numbers, bank account numbers, etc. The software does not require being online to use.

  

Download Our Free Personal Finance Software

Free Personal Budget and Financial Software

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Download Instructions: Click on the download link above, select 'Open'. Follow download instructions (accept cookies, agree to Terms, etc). The CreditFederal software will download first, then the Sun J2SE software. Both programs are necessary for the Personal Finance Center to function. After both downloads are complete, an Icon (like the one displayed on the left) will appear on your main Windows display. To launch, double-click the Icon on your computer desktop.

  

Instructions on how to use the free personal financial software.

The software helps you track and itemize expenses, setup bill payment reminders, and it provides a credit grade based upon your debits.

The software is easy to use and 100% free. Operates on Windows computers and requires 16MB of disk space. 

 

Don't forget to register for FREE Upgrades! As we update the software with additional free features, you can receive a notice via email simply by joining our free credit offers newsletter.

 

If you are a freeware site, include our finance software via our PAD file.

 

 

Free Personal Budget Software.  Do you know how much per year you spend on utilities? On insurance? On credit card payments? Get our free personal budget software to track expenses.  It will calculate all your expenses and income, and will provide you with itemizations.  This software can help you define where you mostly spend your money, and where you can make savings. Functions just like a checkbook register. It is 100% free, and operates directly from your personal computer (Windows Required). Download our free software.

 

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Read our latest information about personal finance.



Most Common Internet Scams - Don't Lose Your Money to Fraud

1. Nigerian 419: Most people today have an email account that they use for various purposes. Of course there are the occasional spam emails that many of us just put into the junk folder, but on some days, we get an email that is really shocking.

If you’ve ever received an email, usually from a Nigerian member of a family that comes from a lot of wealth stating that they are attempting to get a very large amount of money out of the country, you were a possible-victim of the Nigerian 419 scam. Usually these emails call out for your help in order to get this money moved into the US.

But, these emails are nothing less than a scam. It is said that over $32 billion has been lost.

The Nigerian 419 scams are one of the most popular today, and the number of scammers who use this tactic continues to grow. It is said that there are about 300,000 of these scammers in the world today, but the number is steadily increasing.

What’s the attraction?

Of course like many scams on this list, the Nigerian 419 scams seem too good to be true, but somehow people fall for them.

Simply, people like money. If you were given the opportunity to receive half of a million dollars for simply helping to transport money from another country, it might be very tempting, particularly if you are unaware that this is illegal.

People fall for this scam each year: the promise of such a large amount of money is sometimes enough to make a gullible Internet-user fall for a huge scam.


2. PayPal: Many times with these PayPal scams, one is scammed when they have someone respond to an online ad they have placed on Craigslist or some other similar site.

The scammers will usually respond to the ad, stating that they are interested in the product that is being sold and that the product will be sent to a friend or family member within the US.

Many times these scammers are people from a foreign country who are promising to pay more money than what the seller asked for in the first place.

After shipping the item and after the seller pays, you’ll realise that soon enough, PayPal has taken the money from your account, and that you’re out of the item you were trying to sell.

Many times the “buyer” will contact PayPal saying that they never received the item, or in even worse cases, the scammer will be using a fake PayPal address or a stolen account.

What’s the attraction?

When you’re desperately trying to get rid of an item, you are probably pretty impatient and anxious to get rid of it. So when someone responds you probably don’t think twice about the possibility that the person on the other side is a scammer that is trying to get your item without paying for it.

People fall for it simply because many times the scammer is giving them more money that what was asked for and because they really just want to get rid of the item and have money to spend elsewhere.


3. Working from Home: Not only do these scams mean you’re out of money, but it could mean that your computer is left nothing short of…ruined.

These scams usually have a situation where you are given the opportunity to work at home, making your computer a “money-making machine” by doing very simple things. However, you aren’t told what these things are and how to locate them on the Internet without paying a few dollars.

The catch is that you’re paying for information that you often don’t receive, or that often has nothing to do with working from home.

Often times you are guaranteed that within 24 hours you’ll have full access to information and programs that allow your computer to make money for you, without much effort on your part. But this is just another scam and you’ve provided your banking information, and many times you’ve installed rogue software that will only ruin your computer.

What’s the attraction?

Who wouldn’t want to work in their pajamas and slippers all day while sipping a cup of hot coffee?

Many people would love to be able to have a job like this, and this is why people get sucked into the work at home scams.

Working at home is easy and requires less energy than it does to work outside of your home. Paying a measly $5 seems like nothing when you can have the great opportunity of not having to drive to work each day. But many times you get nothing in return from the $5 that you put out, and you’re left with the same early morning routine.


4. “Free” Trial: We’ve all seen the ads and pop-ups on certain websites that promise a free trial of some sort of product: weight-loss pills, a colon cleanse, or dieting pills.

We all know how expensive these products can be, so many people will fall for the free trial scam. While many do get the free product they were promised, the scam starts when you have to provide your banking information to pay for shipping and handling fees.

With the information you provide, the company can then charge you each month for not canceling your free trial. Usually the cancellation notice is in a very fine print that most people pay no attention to.

However, after not canceling your free trial within 15 or 30 days, your debit or credit card is billed monthly. Sometimes even after canceling, the company who has your banking information will sell it to an affiliate company who can then use it as they please.

What’s the attraction?

Free stuff! Who doesn’t like free stuff? Free is good. Free means no money is spent and free means you get to try something without providing any sort of money for the product itself.

The catch is that when you provide your banking information to pay for shipping, you’re giving this company access to take out amounts of money each month for your “free trial.” 

Most people don’t remember to cancel, so in the end you could be out money for a product that was never free at all.

Thankfully if you contact your bank, many times the bank will cover these fees and ensure that you are safe from the company taking more money out of your account.


5. Fake Auctions/Sales: With the popularity of places such as eBay, Craigslist, and other auction websites growing each day, it’s no surprise that fake auctions and fake sales would start to become an issue online.

Many people use these websites on a daily basis to obtain items at a discounted price; and where you find people with money, you will also usually find scammers trying to take it off their hands.

At first, it looks like an opportunity to save money, but in the end many people are left empty-handed and out some bucks. These fake auction and sales scams usually happen pretty frequently and in the blink of an eye.

It’s simple. The scammer creates an ad or auction on a website, stating that he has a certain item for sale, usually something that is pretty expensive to begin with, for a very low price.


Through peer lending networks, you can apply for a private lender unsecured debt consolidation loan. What they actually offer are unsecured personal loans, because the lenders usually have no concern as to how you plan to use the funds. Their main concern is whether or not they can rely upon you to payback the loan per the terms of the lending agreement. Hence if you can convince them you are a trustworthy borrower, you can use the funds as a bill consolidation loan no collateral or perhaps with some security depending upon the lender's comfort with the amount you are borrowing.


If you're thinking about defaulting on a credit card, you're likely wondering can credit card companies garnish wages. The answer is no. But you can't simply walk away from unsecured debt. A credit card company can sue you in court for payment. Even if you file bankruptcy, a credit card company may be able to get a court judgement which forces you to turn over to them some of your assets (property or cash) as recompense. Instead of trying to evade unsecured debt garnishment, focus on curbing spending and get counseling on effective ways to eliminate unsecured credit card debt.


If you're going to use a credit card to make purchases, let the card company pay you. Get a cashback credit card and payoff balances in full each month, then add the cash earnings to your savings account.


Are your debts getting out of control and you fear you won't be able to repay them? If you feel like you are drowning in bills especially with credit cards, you may need debt assistance in order to secure your financial future. You either need a plan to repay bills or negotiate a settlement payoff.



Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 
TotalDebtServices.com Review - © 2003-Present Total Debt Services - All Rights Reserved

Total Debt Services, LLC offers a wide range of debt management and debt settlement programs where our Qualified Debt Specialists work on your behalf with Creditors and / or Collection Agencies to negotiate your outstanding debt obligation.

Advantages of Debt Settlement: Whether your are looking to negotiate your credit card debt or looking to settle personal loans or other types of loans, there are advantages to working with Total Debt Services:
* Our Debt Settlement Solutions can help you avoid bankruptcy
* Consolidate multiple payment into a single monthly payment
* Educate you on how to stop Collection Agencies from contacting you

Total Debt Services was founded in 2003. When processing loans it was neccessary for potential clients to clear up some outstanding old debts or lower debt to income ratios to qualify. Debt settlement was seen as an extra service that could be provided to help clients qualify for a mortgage. As the need for debt relief continues to grow it has become a cornerstone of our financial services.

Debt Consolidation Loans: Total Debt Services works with individual and families that have become overextended due to high interest rates, medical expenses, job loss, or other factors resulting in high credit card or other unsecured debt. When you work with our Debt Analysts to help settle outstanding debt with Creditors, you are making a choice for a better financial future. Our services are guaranteed to resolve your financial debt problems in a timely and affordable manner.

Real Debt Service Solutions = Real Results: Our Debt Service Specialists work on your behalf to negotiate your unsecured debt using proven, effective methods that not only provides financial relief but relief from debt collectors as well.

Bankruptcy is not a feasible option and can last on your credit report for up to 10 years. Either complete the online contact form above or call our toll-free number today for a free Debt Analysis. Your consultation is completely private and there is never any obligation to work with Total Debt Services. We have the experience necessary to help you resolve your debt and avoid bankruptcy!

With Total Debt Serviecs you get:
* A reputable and knowledgeable Debt Specialist dedicated to resolving your debt issues
* The backing of a company which has settled thousands of clients usecured debt across the nation
* A multitude of programs which you can choose from to settle your debt in a manner which meets your ongoing needs.
* A secured third party special purposes account in your name and which you control and have access too at all times.

Debt Settlement: Total Debt Services excels past all others when it comes to Debt Settlement services. When you are in a situation where your debt is outpacing your ability to pay minimum payments and the fees start piling up, you want us on your side. We will work with you to stop the collection calls while settling your debt for less than your full balance.

We offer a host of settlement programs designed to decrease the amount you owe by negotiating with your creditors and collection agencies. There are many types of debt we can settle for you. While credit card debt is most common, we also work with medical bills, gas / store cards, personal and student loans, as well as other unsecured lines of credit. Programs are personalized, but can take from 1 to 4 years to settle your outstanding debt. The actual time will depend on your balances, what type of debts, your Creditors and the funds you have available monthly to put towards your program.

There are great benefits of using debt settlement programs offered by Total Debt Services and there are also downsides as can be expected when paying off less than what you originally owed.

Total Debt Services
4159 Veneto Dr
Frisco, Texas 75034

Phone: 866-671-3328

How to Identify and Fix Budget Problems and Solutions to Stick to Your Budget
Finally ready to make your first time budget ever, or to create an actual working budget? Review these key points.
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