Get One Hour Free From Virgin Mobile

Are you tired of a stack of bills to pay? A fashionista simply must keep in touch with her peeps but why does it have to cost so much?  I don't want another bill and like to control how much I spend on the cell phone.  After all, I already have a landline and Internet connection.  My cell phone is just for quick conversation on the run so I use a prepaid plan from Virgin Mobile.

For just 10 bucks every 45 days, I have ongoing cell phone service with more reliability than any other mobile provider I ever had.  I spent years being tied down to a contract now I enjoy the carefree affordability of Virgin Mobile.  With rates as low at 10 cents per minute (or less), I can talk whenever I want without worrying about major bills or heaven forbid - finding a phone booth!

Get one hour of bonus time when you sign up with Virgin Mobile now and use this referral code:  d6uIQVdQ

Are You Facing Foreclosure?

If you're behind on mortgage payments, you're not alone.  Millions of homeowners are falling behind on their mortgage payments and facing foreclosure.  Is there a way to get out from under a past due mortgage?

Several options exist.  A homeowner can consider a loan modification, repayment plan, foreclosure, short sale or bankruptcy.  Each one has its own unique ramifications and benefits. 

Your first step is to attempt to communicate with your mortgage lender.  Silence only leads to deeper problems.  Maintaining honest communication is essential, especially if you want to negotiate the terms along the way.

A resource to check out for more free information is Making Home Affordable or call 1-888-995-HOPE for more information.  Knowledge is power when it comes to saving your home and your credit score.