interest rates

Reducing the High Cost of Credit Card Debt
Consumers pay over $100 billion every year on credit card interest charges and fees. We explain how to minimize the high cost of credit card debt.
Can You Afford the Cost of Debt?
Another interest rate hike by the Federal Reserve means that the cost of debt for consumers just got higher again. WalletHub has revised their map of cities with the most and least sustainable credit card balances. Can you still afford to pay off your debt in a cost-effective way or do you need debt relief?
Should you file a joint loan application to hold a debt jointly?
Is a Joint Loan Application Better than Single?
As a married couple taking out a personal loan, you have an important choice to make: Do you go for a joint loan application or are you better off single? We explain how to weigh the benefits of each, so you can secure the right financing at a good interest rate.
A debt consolidation loan consolidates credit card debt
DIY Thursdays: Using a Do-It-Yourself Debt Consolidation Loan
I used a personal debt consolidation loan to consolidate my credit cards on my own. Here’s what I learned and how it solved my debt and credit challenges.
Gain financial success in spite of limited means
How to Gain Financial Success Even When Money is Scarce
You might feel limited by a tight budget, but with the right strategy you can gain financial success even when money is scarce. Here's how you get ahead.
Receive More Cash Back Without Overspending

By April Lewis-Parks Cash back is one of the best benefits offered by your plastic, but if you spend more just to obtain additional rewards, you could find yourself deep in credit card debt. Fortunately, there are strategies you can use to get the most out of your card without extra spending. Strategy No. 1 […]

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

By April Lewis-Parks 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 […]

Cash advance loans can be dangerous
3 Reasons to Avoid Advance Loans
You make think a payday loan will help you get by until you get more cash, but high interest rates on advance loans could send you into serious debt.
Owe Uncle Sam Some Money? Don’t Pay With a Credit Card!

by April Lewis-Parks If you owe the IRS money this tax season and don’t have it available, avoid using your credit card or opening a credit card account for this purpose. It’s not a good financial and can lead to a substantial amount of debt. Credit card issuers and even the IRS tout the convenience […]

Money saving strategies help you get ahead
12 Money Saving Strategies for Young Adults
Young consumers just out of school often have trouble achieving stability. These 12 money-saving strategies can help you get ahead and avoid debt.
Keeping You in The Know: Target Debit REDcard Makes Saving Simple

By Courtney Hall Attention all Target shoppers! Target launched a new rewards debit card called the REDcard. This new Target debit card offers customers a chance to save without the added hassle of points or complex rules. The Target REDcard debit card is the only card that saves you 5% on every single Target shopping […]