Credit
Ronnie Pays Off $50K in Credit Card Debt and Swears Off Credit Cards
How Althea Paid Off 20K In Credit Card Debt
Your Thirties Can Kill Your Finances
By Jennifer Derrick When it comes to living dangerously with your finances, it seems as though your thirties are the most dangerous decade. Obviously you have to be mindful of your money habits throughout your life because it’s possible to screw up with you’re very young and very old, but special care should be given […]
Is Credit Sesame a Scam or Legit?
By Lori Kelley Your credit score is important for a variety of reasons. This score can have a huge impact on how much you’ll end up paying in interest on loans, sometimes with a difference of tens of thousands of dollar, depending on how good your FICO score is. For that reason, people who are […]
Simple Ways to Build Good Credit
Having good credit is one of the cornerstones of maintaining a solid financial profile. Your credit standing will be used in part to determine your eligibility for loans and credit lines, tenancy, employment prospects and depending on the state you live in, auto insurance rates. So whether you’re trying to establish credit for the first […]
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 […]
Ask Yourself These Questions Before Your Next Big Purchase
by April Lewis-Parks It’s happened before and it’ll happen again. You’re shopping for a new belt or accessory and suddenly you see something you’re sure you can’t live without. Before you know, you’ve made a credit card splurge or dipped into your “for emergencies only” fund to cover the costs. Breaking down and making impulse […]
Top 3 Budget Blunders – And How to Work Around Them
Creating a budget is one of the most common and popular ways to save money, eliminate your debt, and plan ahead for that adventurous vacation you are organizing, but sometimes, planning every single expense, down to your last latte, can backfire. Maintaining a strict budget is a great way to cut out discretionary purchases, track […]
Have You Been Scammed? 6 Essential Resources to Fight Back
As of July 2011, over 80,000 Americans have reported suspicious and fraudulent activity concerning mortgage scams. The FBI has estimated more than $3.2 billion has been lost to scam artists. If you actually sit back and look at the numbers, it’s astonishing how many Americans have been victimized by some sort of fraud, particularly over the […]
Get through college without drowning in debt
Between paying for tuition and having enough gas money to visit home once in a while, college is a definitely a struggle. But it just got more difficult. The state of Florida is allowing its 11 public universities to hike a 15 percent increase on tuition this fall. Across the nation, the University of California […]
What Happens When You Default on Your Student loans
A considerable number of college graduates are finding it hard to pay off their student loans as the economy remains sluggish and the unemployment rate remains steady. While we always advise readers to pay off all debt in an effort to establish financial wellness and independence, it is especially important to pay off student loans. […]
Advice Graduates Don’t Want to Hear
Many college graduates are finding themselves moving back in with their parents with significant debt and no job. The harsh reality is many new grads will have to live modestly and think about every money move they make. Here is some advice grads may not want to here: Buy used things, except maybe used tires. […]
The Cost of Happiness
Everyone wants to be happy; even the crankiest person in the world yearns to be happy sometime, but how happiness is attained can, in some cases, cost money. That’s because when some people get sad or depressed or have a really bad day, they go shopping. Shopping therapy produces immediate relief and happiness, but can […]
What’s Holding You Back from Negotiating with Your Creditors?
When you’re struggling to put food on the table and a roof over your head, your credit card payments can get behind. If you’re delinquent more than 60 days, you could suddenly find your interest rate has sky rocketed and your minimum payments are more than what was previously expected. If you’re in financial crisis, […]
10 Things You Should Know About Identity Theft
Criminals use many methods to steal personal information from taxpayers. They can use your information to steal your identity and file a tax return in order to receive a refund. Here are ten things the IRS wants you to know about identity theft so you can avoid becoming the victim of a scam artist. Identity […]
It Can Pay To Be Credit Savvy
Using credit cards can be tricky, but mastering the skill has its benefits. While credit cards used to be the way to buy now and pay later, companies have been adding more incentives for consumers to choose and use their cards. If, any only if, you can keep a handle on your bills by paying […]