It’s hard to believe 3 months have passed since I’ve written a new article on Trees Full of Money!

Although I promised in my 2010 New Year’s Resolutions article that I would write more personal finance articles (and I have), over the last few months I’ve been working on another one of my goals for 2010…the pursuit of a graduate degree.

Here is an excerpt from that article:

Enrolling in a Graduate Degree Program:

In my article Are Online Degrees Worth Anything, I mentioned my desire to pursue an advanced degree over the Internet. After some careful research, I’m confident I will be able to find a quality program at a reasonable price.

I also intend to blog about my pursuit of an online graduate degree on Trees Full of Money. If you’ve been thinking about pursuing a degree online, maybe you’ll be able to learn something from my experience!

After a few months of “secrecy”, I’m happy to report that I have successfully narrowed down my choices of potential graduate programs and have officially accepted an offer of admission from the University of Massachusetts Amherst for their Part-Time Master of Business Administration (M.B.A.) Program.

Now that I am finished studying for the GMAT exam (Graduate Management Admissions Test), writing admissions essays, and obtaining the appropriate professional recommendations, I can’t wait to start ”blogging” again and share my “online” graduate school experiences.   As always, I will continue to write articles of interest on money management, debt reduction, and environmental issues as well!

Having already taken my first class as an “unmatriculated” student through “UMass Amherst”, I’m pleasantly surprised by the effectiveness of the online learning environment and am very excited about the remainder of my classes.

Over the next week I plan to wrote more on the admissions process for graduate school, and share my tips on studying for the GMAT, writing essays, and balancing time between your personal, professional, and student lives.

The two most common types of bankruptcy are referred to as “Chapter 7″ and “Chapter 13″. A Chapter 7 bankruptcy may display on your credit for 10 years from the date of filing. Chapter 13 may stay for 10 yeas also, but it is customary for those to be removed after 7 years.

Whichever way the bankruptcy has been filed, it’s obvious that it will stay on your record for an extremely long time. This is why a person should consider getting some repair for their credit after filing bankruptcy.

Whatever else that’s on your report, even if it’s perfect, as long as you have filed for a type of bankruptcy, it will stick out just like a sore thumb, which will give you problems when trying to apply for credit. If you’ve got a hope of restoring your problems with credit, you need to be able to find everything that you can on bankruptcy repair.

When attempting bankruptcy repair on your credit history, you will want to engage the services of someone who specializes in this area. Often, you will find some of the top experts who can help you are lawyers that represent clients who go through bankruptcy proceedings.

Even though it’s hard to get rid of the bankruptcy information from your profile, there are companies that can help you succeed in doing this. Often times, this information can be updated, which will add an explanation which can be included throughout your report.

You can find legal firms that specialize in bankruptcy repair and other credit repair agencies advertised online and they are also listed in the yellow pages. They will be happy to talk with you by phone and many of the first appointments will be free.

The author is currently researching Home Wine Making methods and recipes, as well as the hobby of Family Tree Searches for upcoming review articles.

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It is not uncommon when someone is in a financial crisis to be a little impatient. What you really want is to have as little hassle as possible taking care of the problem. That means you don’t want to go chasing all over town trying to find a fax machine if you don’t have one. Thanks goodness there is an easier way to get on line loans these days and it is as simple as sitting down at your computer and filling out your loan application. You can have your loan process under way in a few minutes and have your approval within an hour in a lot of cases.

Some people call these types of loan a no fax payday loan and some just call them faxless payday loans, either way it is the same thing because you do not fax anything. However, you must always remember to completely fill out your application because the chances of your approval might depend on it. The information you will need to provide on the form will be basically the same as a loan that you have to fax in, so you will need to provide all of the required stuff in order to qualify for approval.

You can have the money deposited directly into your checking account usually the same day if you started the loan process early enough in the day. When your loan comes due, it will be deducted from your account automatically on the due date. However, it is usually possible to make prior arrangements with the company if you know you are not going to have the money in your account at that time. It is important that you contact them and either renew the loan or arrange a partial payment of some kind if they allow that.

You won’t find an easier way to get a loan today. Payday loans are so popular because they are so easy to get if you have a stable income. You can borrow the amount that your income makes you eligible for, but only borrow what you need. Over borrowing can get you into trouble when you can’t pay it all back. Stay in good standing with your faxless payday loan company and they will be there to help you again in the future should you need it.

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Decide on a format – One of the easiest ways to create a budget is by using a computer for easy changing of the numbers as your budget changes. Online accounting software has become popular in recent years, with services like Mint.com and Outright.com making it incredibly easy to create a budget, which can be even be done in less than an hour.

Another option is the use of Excel or Google Docs spreadsheet. This is recommended for “specialty” categories or a customized budget tracking. It’s easy to download Excel templates online for budget setup – these will guide you through the set up and help you make an organized budget.

Get your papers together – To effectively track your monthly income and expenses, make sure you have all the paperwork together. If you have bills mailed to you (ex. Phone bill, cable and Internet bill, student loans), gather those before you sit down. You should also make sure to have record of all expenses that use automatic bill pay. Finally, gather all of your paystubs for the previous few months, as well as receipts from any store-purchased items.

Get organized – Sort your papers or information into three piles: “Monthly Expenses,” “Income,” and “Variable Expenses.” The variable expenses pile should have all shopping receipts, grocery bills, and credit card receipts. The monthly expenses pile should have all bills that stay the same each month. This would include things like Internet, cable, and rent.

Enter your income and expenses – Enter all of your income and fixed expenses (or monthly expenses) into the spreadsheet. Then analyze and make a few decisions. Look at the items in the variable expenses pile and determine the average amount spent each month.

Adjust your expenses – In cases that you have too many expenses, find out what you need to eliminate. It could be smaller things like magazine subscriptions or coffee drinks. Also, you could try to decrease the number of times you dine out in one week. If you currently go out five times per week, try to decrease it to three and you’ll notice how much money it saves.

Review often – Make sure you take a look at your monthly expenses and income quite often, and updated it as needed. Checking it once a month or once every couple of weeks will help keep you on track.

The above information was provided on behalf of a property management company that strives to help individuals find Johnston, Iowa apartments and Grimes, Iowa apartments that are right for them.

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