Pacific Debt Blog

Is there another stimulus check coming

Is There Another Stimulus Check Coming?

In one of our previous articles, we discussed the first stimulus check, when it might arrive, and how to track yours. The current question is: While the Coronavirus pandemic continues to surge in some states, will Americans receive a second stimulus check? Depending on what news source you look at, you could get conflicting answers. Let’s take a look at how the stimulus check question stands as of July 7, 2020.  The CARES Act On March 27, the first stimulus package, known as the CARES Act became law and checks began to be sent out. Most single filers with an […]

Work From Home Online Side Jobs That Pay Good

Work From Home Online Side Jobs That Pay Good

If you are sitting at home watching your bank balance dwindle or you want to have a decently paying second job (or even profession), there are online side jobs that pay well and are not a scam. The pandemic has given a lot of people a new perspective on work or hurt their finances. Now is a perfect time to explore new options and make a bit of money to help tide you over until our economy gets going again. You can find online jobs that pay decently and that could be a real life saver.   Working online is not […]

Whats the Best Free Budget Planner

What’s the Best Free Budget Planner

Budgeting is a necessary part of good financial management. If you don’t know where your money is going, it is hard to get out of debt. Most people hate budgeting. Whether it is the constraints on money, the time invested, or the math, many people put off making or following a sound financial plan.  There is help out there for the last two concerns! Free budget planners will simplify your budgeting and make it easier to follow a budget. Talk to one of our debt specialists today and get your FREE consultation. What’s the Best Free Budget Planner? The best […]

When are Stimulus Checks Being Sent Out and How to Track Them

When are Stimulus Checks Being Sent Out and How to Track Them?

Stimulus checks, part of the $2.2 trillion stimulus bill, began distribution the week beginning April 13, 2020. The checks won’t be going out all at once or to everyone, so how can you get yours more quickly and how much will your check be?  Talk to a debt specialist and get a FREE consultation today. How Much Should My Check Be? Single tax filers with a gross adjusted income below $75,000 should expect to receive $1,200. Married/filing jointly couples making less than $150,000 should see checks of $2,400. For each qualifying child, expect an additional $500.  If you make more […]

How to get debt relief from the coronavirus

How to Get Credit Card Debt Relief from the Coronavirus Pandemic

With vitally important stay-at-home orders issued in most states and many businesses closed down because of the COVID-19 pandemic, you may be one of the millions who are taking a financial hit. While you pay attention to your health, you need to pay attention to your credit cards and your spending. It will be very easy to spiral deeper into debt and rack up some serious balances on your credit cards. There is also some potentially good news coming out of this situation that may help you with your credit card bills.  Speak to a debt specialist for free. They […]

1099 C Cancellation of Debt Common Questions

1099 C Cancellation of Debt Common Questions

Disclaimer – We are not lawyers or tax professionals and we are not giving legal or tax advice. These are merely some options and information about taxes.  Consult an attorney or tax professional in your area to determine all your options. Debt forgiveness may come with a tax consequence. In other words, debt forgiveness is potentially taxable. If you are considering debt forgiveness like debt settlement, or have been through debt forgiveness, you need to understand the possible tax consequences of debt forgiveness.  In a previous blog post, we discussed the tax consequences of debt settlement. In this blog post, […]

how much money do you have to make to file taxes

How Much Money Do You Have to Make to File Taxes in 2020

Disclaimer – We are not lawyers or tax professionals and we are not giving legal or tax advice. These are merely some options and information about taxes. Consult an attorney or tax professional in your area to determine all your options. Tax season arrives every year. If you don’t make a lot of money, you may not know whether or not you need to file your federal income taxes. If you are asking “How much money do I need to make to file taxes?” You are in the right place for a quick tutorial. Let’s take a quick look at […]

What Is a Good APR for a Credit Card?

What Is a Good APR for a Credit Card

As you are shopping around for a credit card, you’ll notice the APR or annual percentage rate. These rates vary widely, generally from 16% to more than 25%. How do you know if you are getting the best possible APR for your credit card? What is APR? ARP is the amount of interest charged on credit card purchases and cash withdrawals. The quick version is that the APR is based on the prime rate or the lending rate that is offered to borrowers with the best credit scores, generally over 690. We’ve covered how credit card interest works in great […]

How Much Should You Have in Savings Article Image

How Much Should You Have in Savings

Americans are generally great at spending money and really terrible about setting money aside for emergencies or retirement. Unfortunately, about 40% of Americans are one paycheck away from disaster. That means that a simple job loss, injury, or even car breakdown will leave a lot of Americans hurting and facing bankruptcy. Most Americans can’t pay off an unexpected bill of more than $1,000. And 36% of Americans have faced an unexpected bill of $5,000 or more in the last year.  Only 16% of Americans have saved more than $200,000 toward retirement while 22% have less than $5,000 put towards retirement. […]

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