Debt
Tips For Retiring Debt Free
Tips On How To Fix Bad Spending Habits
Forming bad spending habits is a very easy thing to do, but it can be an extremely hard thing to stop. These bad habits easily lead to different health problems including insomnia, high blood pressure, ulcers, migraines, rapid weight loss/gain, and excessive drinking/smoking. Though it may take a lot of effort, you can get a […]
Don’t Go Into Debt After Getting Married
Establish Your Personal Financial Plan
When you hear people encourage you to develop a “financial plan” it can sound dry and boring. This is probably why many people put off developing a set of goals until much later in life. The problem with this is that by then, they may not have realized all of the lost opportunities for saving, […]
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 […]
Three financial tasks to carry out this summer
Summer marks the midway point of 2013, and there is no better time to do a quickly check-up on your financial progress. Typically, consumers spend more during the summer months on new clothing, road trips, vacations and outdoor events, so conducting a review of your money situation can not only help you make more informed […]
4 Things Parents Should Know Before Paying for College
By John McDonough Financial Specialist Shares Ways to Help Your Child While Protecting Your Retirement From $20,000 to $65,000 a year – that’s the tuition cost for one year of college, says John McDonough, a money expert who helps retirees and parents plan for their families’ futures. “For the 2012–2013 academic year, the average cost […]
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 […]
Saving Money on a Limited Income
One of the most common reasons many people cite for failing to save money is that they make too small a salary to devote anything additional to a savings account. While stretching a small income can be challenging, it’s not impossible, and individuals who want to build a stronger financial foundation that gives them more […]
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 […]
Student Debt Continues Haunting Millions of People
Graduating from college doesn’t guarantee financial stability anymore. You can be a straight-A student and take the best internships available, but with the current economic situation the first job you land may not be enough to cover living expenses and student loans. Student loan debt skyrocketed in the last decade, reaching $1 trillion. Loan companies […]
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 […]
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 […]
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 […]
New Year, New Life: Keeping Your Resolutions in 2013
The New Year is upon us, and that means a new list of goals to accomplish. Although New Year’s resolutions can seem outdated and cheesy most people secretly make them and they can be a great way to start the year. If the resolution list you made last year is yellowing in your bottom bedside […]
Curb Your Spending Temptations this Holiday Season
You may have mastered creating a budget, but how well have you stuck to your guns? Temptations lurk on every corner urging you to spend, spend, spend. So what can you do? Make a list of course! Make sure to do this before you go shopping, and whether it is for groceries or gifts, stick […]