credit card debt

Six Ways Not to Pay Off Holiday Credit Card Debt

If you’re suffering from a case of post-holiday credit card bill guilt, you’re not alone. While making good on your resolution to pay down your debt is a terrific goal, you want to make sure you do so in a way that actually improves your overall financial status. In other words, think twice before resorting […]

Moves To Make As You Near Retirement

As you approach the time when you will leave the workforce for good, budgeting will be extremely important. Before officially retiring, there are certain moves you should make to ensure you will be successful. No. 1 – Determine where you will live When figuring out how much money you are able to withdraw from retirement […]

Retiring debt free gives you a bright future
Tips For Retiring Debt Free
Heading into retirement burdened with debt may take the shine off your golden years. Use these 4 tips for retiring debt free to ensure you retire with ease!
Things to Consider Before Transferring a Credit Card Balance

  If your credit card bills are getting out of control and you struggle every month to make your payments, you might be considering transferring your balances to a credit card with a promotional zero percent interest rate. If you are you’re not alone. Balance transfers are a popular option when you want to get […]

Four specific strategies to help pay off credit card debt

Credit card debt can put a hamper on the personal finances of anyone who carries it for a significant amount of time as it accrues interest each month. To avoid a situation where debt piles up, people should consider one of these four strategies to help attack their balances: No. 1 – A balance transfer […]

Tips to help you avoid stress and frustration when paying off debt

When you’ve dug yourself into a debt hole and are struggling to climb out of it, you may experience feelings of frustration, stress and hopelessness that you’ll ever be in a good financial situation. Paying off thousands of dollars in credit cards or loans can be challenging, but it’s far from impossible and one key […]

How to End a Bad Relationship with Your Credit Card

  Your credit card may be your best friend when it comes to long shopping trips, booking vacations and your weekly manicure and pedicure sessions, but when the end of the month rolls around and your bill comes due, you may realize that your relationship with credit is more toxic than beneficial. A healthy and […]

Common Money Blunders that Make it Difficult to Save

Most people can admit to money or budgeting mistakes that they’ve made once or twice, but for others, certain habits may have developed into a repetitive cycle of bad behavior. A mistake here and there can create a bump in the road when trying to save money, pay down credit card debt or eliminate student […]

Americans Still Splurging on Purchases: Are You One of Them?

Completely overhauling poor financial habits and going cold turkey on your favorite purchases is no easy feat, but in your infinite wisdom you may likely realize that making significant financial changes is important to your future. Despite this recognition, studies show that many people are not only falling into a worsening financial situation, but also […]

Tips to Help You Avoid Stress and Frustration When Paying off Debt

When you’ve dug yourself into a debt and are struggling to climb out of it, you may experience feelings of frustration, stress, and hopelessness that you’ll never be in a good financial situation. Paying off thousands of dollars in credit cards or loans can be challenging, but it’s far from impossible and one key to […]

Welcome Spring! Time to Breathe Fresh Air and Spring Clean Your Finances!

by April Lewis-Parks Technically spring has sprung, but I know that for many of you around the country old man winter is still hanging around… but it is a good idea to start to think about reevaluating your household budget.  Now is a great time to review the different financial products you have and start […]

Breathe Fresh Air! It’s Time to Spring Clean Your Finances

Spring is around the corner, and I’m sure many of you already started opening your windows and cleaning the dust that accumulated during the winter. While cleaning your house is important, don’t forget to give some fresh air to your finances. As organizing a messy closet makes you feel more comfortable and happier, getting rid […]

It’s Tax Refund Time: How Will You Spend Your Windfall?

Tax season can be a grueling time of year, but if you’re like most people, the big payoff you may get in the form of a refund makes it all worth it. The IRS estimates that the average refund for 2013 will be $2,803, and if you’re dreaming of putting that money towards a Caribbean […]

Lowering Your Interest Rate Can Help Reduce Credit Card Debt

Getting bogged down with credit card debt can be a stressful experience. However, there are ways that you can improve your situation, one being reducing your credit card’s interest rate. While not guaranteed to work, you can achieve this by calling the customer service number on the back of your card and asking for a […]

Achieve a perfect credit score
Steps to Achieving a Perfect Credit Score
It may seem impossible, but you can take steps to clean up your reports and build credit to achieve a perfect credit score with a little work.
Will You Spend Your Tax Refund Wisely?

Tax season is here, and you are probably gathering your W-2s, 1099s and other documents to file your taxes. While the process of submitting returns can be tedious, many people look forward to receiving a sizable refund from Uncle Sam. I’m planning to use my tax refund toward the purchase of a new car. Fortunately, […]

How to Pay Off Excessive Credit Card Debt

Relying too much on credit to get by has left many people in a position where they are now struggling to catch up. Credit card debts pile up and minimum payments increase. This can cause problems when your payments start to exceed what you can afford to pay in any given month. In order to […]

Are You Being Honest with Yourself About Your Finances?

From time to time people have been known to tell little white lies – sometimes. You might tell you Aunt Jean that her (overcooked) pot roast is delicious. Or you might gush about your best friend’s new hideous haircut to make her feel better. Sometimes, we don’t just reserve these small acts of kindness for […]