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Retirement Savings: What Age Should You Plan to Die?
1 month ago

Retirement Savings: What Age Should You Plan to Die?

The good news is that people are living longer, but the bad news is that many of us are financially unprepared for these longer lives. In fact, many people assume …
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What Is Debt Settlement?
1 month ago

What Is Debt Settlement?

With the holidays over and the leftovers gone, its time to deal with the outcome of all that shopping and gift giving — the bills. In the midst of the …
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Teenagers More Worried About Financial Security than the Environment
1 month ago

Teenagers More Worried About Financial Security than the Environment

A 28-year study has shown that money worries are increasingly keeping teenagers awake at night. In fact, financial stress is outweighing fears about the environment and global war. Back in …
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Best Credit Moves to Make in the New Year
2 months ago

Best Credit Moves to Make in the New Year

The beginning of the year is the perfect time to take stock of your finances to make sure you are on track for the year, especially after spending so much …
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Can FedLoan Servicing Help With Your Student Loan Debt?
3 months ago

Can FedLoan Servicing Help With Your Student Loan Debt?

The student loan situation in the United States continues to be a pressing concern for millions of people, affecting their credit scores, monthly budgets and savings for home ownership and …
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5 Ways to Help You Get Rid of Credit Card Debt for Good
4 months ago

5 Ways to Help You Get Rid of Credit Card Debt for Good

Credit card debt is something that can sneak up on you and then never go away. You can suddenly find yourself carrying one or more balances and only making minimum …
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Accredited Debt Relief Review

Each year, millions of Americans face serious financial challenges and seek professional assistance with debt management. If you’re feeling overextended and want debt relief solutions, you’ll find countless organizations designed …
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What to Expect When You File for Bankruptcy
5 months ago

What to Expect When You File for Bankruptcy

Filing for bankruptcy isn’t quick or easy, but it may be your wisest option if you have consumer debt that’s ballooning out of control. Bankruptcy laws were created in order …
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What any Broke College Student Should Have
6 months ago

What any Broke College Student Should Have

Growing up is never easy, but you will have to become an adult one day. If you take the time now to get your financial house in order, you’ll have …
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3 Things to do Instead of Canceling Your Credit Card
6 months ago

3 Things to do Instead of Canceling Your Credit Card

If you’re struggling to find the self-discipline you need to avoid running up high credit card bills, you may be tempted to call the card issuer and cancel your credit …
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3 Ways You’ll Never Get Out of Debt
7 months ago

3 Ways You’ll Never Get Out of Debt

People go into debt for many reasons. Common ones include house mortgages, student loans and credit cards. In fact, becoming stuck in debt is pretty easy. Getting out? Not so …
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Managing Debt While You are Unemployed
7 months ago

Managing Debt While You are Unemployed

Debt is always a concern, but when you are unemployed it can seem like an insurmountable obstacle. You can’t escape your financial obligations, and if you fail to meet them, …
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Which Debt Should You Pay First?
10 months ago

Which Debt Should You Pay First?

There are two general schools of thought when it comes to which debt you should pay first. Neither way of thinking is better than the other. The approach you take …
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3 Simple Ways to Prioritize Your Debt
10 months ago

3 Simple Ways to Prioritize Your Debt

Overwhelming debt weighs you down and adds stress to your life. Some debt is necessary; most people have a mortgage, and many have car or student loans. Debt with …
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5 Addictions that Will Cost You the Most Money
10 months ago

5 Addictions that Will Cost You the Most Money

Addiction is always expensive, no matter what you’re addicted to. Some of the most expensive compulsive behaviors carry with them annual price tags in the tens of thousands of dollars. …
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3 Surprising Ways People go into Debt
10 months ago

3 Surprising Ways People go into Debt

Today, many Americans have common types of debt such as high credit card bills, debt from medical expenses and student loans that seem to take forever to pay off.

But you …
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4 Ways You Are Making Your Credit Card Debt Worse
1 year ago

4 Ways You Are Making Your Credit Card Debt Worse

If you’re one of the millions of Americans plagued by credit card debt, there’s a good chance you’re actually making the problem worse for yourself. If you make any of …
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3 Worst Ways to Borrow Money
1 year ago

3 Worst Ways to Borrow Money

Need an infusion of cash to make it through a particularly rough time? If so, you may be considering a quickie loan. Your situation is not uncommon — plenty of …
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When is it too Soon to Buy a Home?
1 year ago

When is it too Soon to Buy a Home?

Buying a home is a major goal for many people, especially as they progress through adulthood. There is no doubt that owning a home provides a host of financial benefits …
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What to do with Your Holiday Bonus
1 year ago

What to do with Your Holiday Bonus

If you’re lucky enough to have received a holiday bonus from your employer, you may be tempted to celebrate your luck by spending all the money at once on a …
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2016 Money Resolutions You can Actually Keep
1 year ago

2016 Money Resolutions You can Actually Keep

If you’ve got bold plans for improving your personal finances in 2016, New Year’s resolutions can provide the inspiration you need. Unfortunately, change is easy to begin but hard to …
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Household Debt is on the Rise: How to Get Yours Under Control
1 year ago

Household Debt is on the Rise: How to Get Yours Under Control

Household debt rose 15 percent nationwide this year, which means a real burden for those dealing with increased financial insecurity. Fortunately, strategies exist that can help you lower your …
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How to Clean Up Your Finances Before the New Year
1 year ago

How to Clean Up Your Finances Before the New Year

As New Year’s Eve approaches, many start thinking of their New Year’s resolutions and what they hope to change in the New Year. What often doesn’t make the list — …
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When to Pay Debt and When to Save
1 year ago

When to Pay Debt and When to Save

When you get a little extra cash, it can be difficult to determine whether you should use it to pay down your burdensome debt or save it for your future. …
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5 Secrets to Stop Overspending this Holiday Season
1 year ago

5 Secrets to Stop Overspending this Holiday Season

During the holiday shopping season, you’re usually assaulted with a bevy of sales promotions and special deals on a daily basis. The temptation to take advantage of so many …
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3 Money Fears and How to Stop Being Afraid
1 year ago

3 Money Fears and How to Stop Being Afraid

It’s normal to have money fears, no matter where you are in life. Some people worry naturally, and many folks associate money with their problems. For example, money is a …
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The Dos and Don’ts of Bankruptcy
1 year ago

The Dos and Don’ts of Bankruptcy

In today’s economic climate, bankruptcy can provide an effective lifeline for people who are struggling to get their heads above water. As statistics have shown, most people in the U.S. …
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3 Things to do After You Pay Off Your Debt
1 year ago

3 Things to do After You Pay Off Your Debt

So, you’ve paid off your debts, and you don’t owe any more payments on your credit cards or your car; or you’ve paid off your house and you won’t have …
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Can I Run Away From My Credit Card Debt?
1 year ago

Can I Run Away From My Credit Card Debt?

If you’ve accumulated more credit card debt than you can repay, you need to understand how the law limits the amount of time creditors have to bring a lawsuit …
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Unemployed? Creative Ways to Make Ends Meet
1 year ago

Unemployed? Creative Ways to Make Ends Meet

Today’s economy is a tough one, especially when you are unemployed. Unemployment benefits often aren’t enough to make ends meet for a single person, let alone for a family. However, …
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Pick a Debt and Pay it Off: How a Focused Strategy Can Save You Big Bucks
1 year ago

Pick a Debt and Pay it Off: How a Focused Strategy Can Save You Big Bucks

When you have a lot of bills for loans and credit cards on top of all your regular expenses, the idea of paying off your debt can be overwhelming. To …
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Is Consolidating Your Credit Card Debt the Right Decision?
1 year ago

Is Consolidating Your Credit Card Debt the Right Decision?

When you’ve got multiple credit cards that are carrying substantial balances, it can feel overwhelming. Every month you make payments, but somehow, the balance never seems to tick downward. Consolidating …
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Debt: Why You Need to Pay More Than the Monthly Minimum
1 year ago

Debt: Why You Need to Pay More Than the Monthly Minimum

You’ve likely heard that many Americans have credit card debt, and if you are reading this article, you are probably one of them. You may not have a large debt, …
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5 Clever Ways to Get Rid of Debt for Good
1 year ago

5 Clever Ways to Get Rid of Debt for Good

The average American family has a credit card debt of $7,327. Not only is this debt a burden, it means that thousands of dollars are wasted on interest payments. With …
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The Crippling Consequences of Credit Card Debt
1 year ago

The Crippling Consequences of Credit Card Debt

You just received your brand-new $10,000 credit limit VISA card, so it’s time to go shopping, right? Not so fast. Credit isn’t free, and there are strings attached. Using your …
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How Can You Save for Retirement While Paying Off Your Debt?
1 year ago

How Can You Save for Retirement While Paying Off Your Debt?

Two major concerns many Americans face today are credit card debt and retirement savings. Saving for retirement seems like an impossibility when you have sizable credit card debt, simply because …
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What to do if You Can’t Pay Your Bills on Time
1 year ago

What to do if You Can’t Pay Your Bills on Time

If you hit a financial rough spot and can’t pay your bills by their due dates, you’re not alone. Unexpected circumstances that prevent someone from making payments can happen to …
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How Much Credit Card Debt Can You Afford?
1 year ago

How Much Credit Card Debt Can You Afford?

Imagine a brand new credit card with a spending limit of $5,000 just arrived in your mailbox. What do you do? If you’re like most, you activate it over the …
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Drowning in Debt? 3 Ways to Pay it Down
1 year ago

Drowning in Debt? 3 Ways to Pay it Down

Perhaps bills from a medical emergency hit you hard, or your credit card balances are ballooning out of control. Whatever the cause, you’re drowning in debt and feeling overwhelmed. If …
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Should You Seek Therapy for Your Money Issues?
2 years ago

Should You Seek Therapy for Your Money Issues?

Finance can be a source of stress for many people. A myriad of money issues can affect other important aspects of life, like marriage, career, and mental health. For …
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4 Tips for Surviving a Financial Crisis
2 years ago

4 Tips for Surviving a Financial Crisis

A financial crisis can build up slowly over time or come out of the blue, but it always demands a smart and swift response. There are plenty of effective techniques …
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Things That People Forget to Budget For
2 years ago

Things That People Forget to Budget For

It never seems to fail. You budget your finances at the beginning of the month and you include all the essentials. You have your mortgage payments, your utilities, and your …
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How Long Will it Take the Average American to Pay Off Credit Debt?
2 years ago

How Long Will it Take the Average American to Pay Off Credit Debt?

If you’re dealing with high credit card debt, you’re not alone. Like, really not alone — according to the Federal Reserve, consumer credit debt in the U.S. has topped $3.34 …
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How Does Bankruptcy Impact Your Credit Score?
2 years ago

How Does Bankruptcy Impact Your Credit Score?

When consumers or businesses cannot repay their debts, they can enter into a federal court process meant to erase that debt or return the money under a bankruptcy court’s protection. …
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Tips for Getting Your Personal Financial House in Order
2 years ago

Tips for Getting Your Personal Financial House in Order

It’s important to rebuild and maintain a good credit rating so you’ll be in control of your finances. Having good credit also makes it easier to get a loan when …
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3 Times Payday Loans Make Sense
2 years ago

3 Times Payday Loans Make Sense

Although payday loans are a type of credit that most borrowers should avoid, there are some cases in which this type of loan is actually less costly than other alternatives. …
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Graduation Gifts that Set Up Grads for Financial Success
2 years ago

Graduation Gifts that Set Up Grads for Financial Success

Your grad just earned their diploma and now you want to reward them with something special as they enter the job market and move forward with their life. During this …
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5 Signs You Are Financially Overextended
2 years ago

5 Signs You Are Financially Overextended

Like many consumers, you could be in a financial predicament without realizing it. You may think you’re managing your debt, but in reality your debt is managing you. Poor money …
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Is Debt Settlement Worth It?
2 years ago

Is Debt Settlement Worth It?

If you’re struggling with more bills arriving each month than you’re able to pay, you might consider working with a debt settlement company (which is different from a debt consolidation …
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Top 10 Reasons People Go Bankrupt
2 years ago

Top 10 Reasons People Go Bankrupt

In today’s economic climate, personal bankruptcy has climbed at an alarming rate. According to U.S. bankruptcy court statistics, more than 1.5 million people file for bankruptcy every year. Most significantly, …
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4 Ways to Spring Clean Your Finances
2 years ago

4 Ways to Spring Clean Your Finances

Spring is here, and while you’re chasing those dust bunnies out of their corners, don’t forget to put aside some energy to spring clean finances. It’s always easier to make …
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How Debt Settlement Can Affect Your Taxes
2 years ago

How Debt Settlement Can Affect Your Taxes

If you’ve been drowning in debt and your creditors throw you a lifeline through debt settlement, this can seem like the answer to all your problems. However, all that debt …
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How to Find Out How Much You Are Worth
2 years ago

How to Find Out How Much You Are Worth

Have you ever wondered what your net worth is? Net worth is not a figure that arises in day-to-day decision-making, but being aware of how much you are worth is …
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Top 5 Money Resolutions for 2015
2 years ago

Top 5 Money Resolutions for 2015

This year, plan to make resolutions you can stick to, ones that became habits. Below are our top five financial resolutions for 2015, and tips on how to achieve each …
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When Should You Consider Filing for Bankruptcy
2 years ago

When Should You Consider Filing for Bankruptcy

For anyone who’s overwhelmed by debt, bankruptcy can be a practical option. Still, it’s important to research one’s options before taking this important step.

Lots of people often seek out …
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Are You Living Beyond Your Means?

Could you possibly be living beyond your means and not know it? It is more common than you think. Most people don’t end up in debt all at once. It …
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The Smart Way to Ditch Your Credit Cards
2 years ago

The Smart Way to Ditch Your Credit Cards

More and more people are opting to live without credit cards, since many of us get swept up in the convenience of the buy now/pay later mentality. That could be …
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5 Best Bits of Money Advice from the Rich
2 years ago

5 Best Bits of Money Advice from the Rich

While not all the rich are the best when it comes to handling money, the richest man in the country knows a thing or two about how to save. Warren …
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What Your Money Dreams Really Mean
2 years ago

What Your Money Dreams Really Mean

Money is constantly on our minds, so of course we tend to dream about it from time to time. But what do the dream you are having about money actually …
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More Retirees Are Dealing with Student Loan Debt
2 years ago

More Retirees Are Dealing with Student Loan Debt

By  •  Loans, Debt

It turns out that recent graduates are not the only ones being hammered by large amounts of student loan debt. More seniors than ever before are heading into retirement still …
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How to Avoid Paying Credit Card Interest
2 years ago

How to Avoid Paying Credit Card Interest

One of the main reasons that the country is in billions of dollars of credit card debt is because people are paying hundreds, if not thousands, of dollars a year …
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How Does LendUp Work?
3 years ago

How Does LendUp Work?

Reader Question: I keep getting scammed by these payday loan guys and I heard that this new one called LendUp is better. Have you heard of them, do you know …
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Saving Vs. Debt Reduction: Which Is Better?
3 years ago

Saving Vs. Debt Reduction: Which Is Better?

By  •  Savings, Debt

You may have heard that it’s important to have money in savings to cover emergencies, give you the income you need to retire or help you achieve financial goals that …
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When It’s Not Worth It to Pay Off Your Debt
3 years ago

When It’s Not Worth It to Pay Off Your Debt

By  •  Savings, Debt

If you’re in debt, you may want to pay it off as quickly as possible. In some cases, though, prepaying your debt has no financial benefits and may actually hurt …
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How to not be Tricked by Interest Rates
3 years ago

How to not be Tricked by Interest Rates

When you’re paying off debt, don’t forget to take interest rates into account. If you don’t pay an account in full, you’ll get charged interest, and that can cause you …
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National Debt Relief vs. Freedom Debt Relief: Which is Best?
3 years ago

National Debt Relief vs. Freedom Debt Relief: Which is Best?

If you are overwhelmed by debt, you might consider hiring a debt settlement company to help you. Debt settlement companies negotiate payments with each of your creditors. You then pay …
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What Is Debt Consolidation?
3 years ago

What Is Debt Consolidation?

The word “consolidate” means to gather several things together into one unified whole. When a person consolidates their debts, they put them all together into one single debt, so there …
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Practical Ways to Get Out of Debt

Sometimes, debt can slowly grow until you suddenly feel overwhelmed and trapped by its ever-increasing numbers. Other times, debt can come all at once from instances such as hospital bills …
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Best Debt Consolidation and Settlement Services
3 years ago

Best Debt Consolidation and Settlement Services

Many people who are in debt often don’t realize that there are services that are designed to help them get out of debt. Not all of these services are legitimate, …
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Top 5 Personal Finance Books
3 years ago

Top 5 Personal Finance Books

This list of the top five personal finance books offers a wide range of viewpoints, where they discuss many aspects to life but with a money focus. The books provide advice …
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5 Tips for Spring Cleaning Your Finances
3 years ago

5 Tips for Spring Cleaning Your Finances

Spring may be the traditional season for overhauling your housekeeping, but it’s also a great time to overhaul your personal finances. By doing a little spring cleaning on personal finance …
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Are Subprime Home Loans Back?
3 years ago

Are Subprime Home Loans Back?

Recently, Wells Fargo Bank announced that it’s going to start allowing subprime loans again. Since Wells Fargo is the largest mortgage lender in the U.S., analysts concur that the move …
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What to Do Before Debt Collectors Call
3 years ago

What to Do Before Debt Collectors Call

Many people are in debt today due to lost jobs, high unemployment rates, or medical bills. If you’re struggling to pay your debts, there are a few things you can …
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Common Financial Myths to Avoid
3 years ago

Common Financial Myths to Avoid

Money worries are common. However, financial myths abound that can cause you to make mistakes with your financial future. By learning the facts, you avoid using myths as your guideposts. …
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How to Get Cash in an Emergency
3 years ago

How to Get Cash in an Emergency

Emergencies arise in everyone’s lives, and they often turn out to be expensive. The very best way to prepare for future crises is to have a savings account set aside …
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What is the Worst Kind of Debt to Carry?
3 years ago

What is the Worst Kind of Debt to Carry?

Is there a good type of debt? What most people think when they see any type of debt is a big, red X. They think that all debt is bad. …
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How to Overcome the After-Holiday Debt Blues
3 years ago

How to Overcome the After-Holiday Debt Blues

Now that the holidays are over, you may find yourself drowning in debt. If that is the case, don’t panic, there are ways to easily pay down your debt without …
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Top 5 Money Resolutions for 2014
3 years ago

Top 5 Money Resolutions for 2014

As you consider your resolutions for 2014, make sure you include some personal finance improvements in your goals. Luckily, there are certain steps you can take to improve your financial …
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5 Tips to Keeping Your Credit Score Healthy
3 years ago

5 Tips to Keeping Your Credit Score Healthy

We all know that your credit score helps loan issuers determine how reliable you are when it comes to money, but most of us don’t check our credit score until …
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Who Can Benefit From Debt Consolidation?
3 years ago

Who Can Benefit From Debt Consolidation?

If you are struggling with debt, you might want to consider debt consolidation. Debt consolidation is the process of getting one loan to pay off all of your debt. Instead …
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