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Whether you’re planning to save for college or retirement, your debt challenges are unique, we understand that. This guide designed to help you save money and get out of debt, yet the entire process of doing so is easier said than done[…]
We all have problems setting long-term goals, especially when it comes to our finances. The future seems so far away. But what about short-term money goals? While you might imagine we’re better with short-term planning, Americans find that difficult too[…]
Saving money can seem like an unfavorable chore to some now, but you will thank yourself for investing into your retirement later. This is where a 401k Plan can save you a lot of hassle. A 401k (named for the tax code that governs it) is a retirement savings plan in which a portion of […]
Writing a debt settlement letter can be a tricky process for a beginner. This process involves creating an attractive pitch to a creditor that your settlement is worthy enough for them to wipe out your debt balance. Here are a few tips to follow[…]
During the Christmas season the average American household’s credit card debt spikes up – and largely stays up. According to NerdWallet’s 2017 Consumer Holiday Shopping Report, gift-buying Americans planned to spend $660 on average, which[…]
Managing your debt is something most of us do not even want to think about. It takes time, hard work, knowledge and dedication to get out of debt. However acting as if it doesn’t exist isn’t going to make it disappear. If you haven’t taken a look at your credit report lately, we strongly recommend […]
It’s quite interesting the phrase “for richer or poorer” is part of most wedding vows, as it implies that your spouse’s financial situation is in fact, a critical aspect of any marriage. This is more relevant than ever, given the present situation of younger Americans today. Whether it’s from credit card debt or student loans, […]
Cars are fickle things that require a lot of maintenance. Oil changes, tire rotations, and yearly tune-ups are all part of owning a vehicle. Unfortunately, the financial aspect of purchasing a car can be equally fickle, especially if you’re in debt. Debts are more of a factor than ever in purchasing a new auto: Experian […]
As Americans, we’re pretty much all in debt. How bad is the debt crisis exactly? That depends on who you ask. And when. The Federal Reserve keeps a close eye on trends influencing lending, debt, and the overall economy. A new quarterly report is released every three months. The Federal Reserve report in June 2018 […]
Building credit can be challenging when you don’t have any credit history to your name, and many don’t know where to start. You may or may not get approved for a credit card, auto loan or that apartment for rent if your credit history hasn’t been established. Here are three ways to shape your credit […]
Almost every US citizen knows her or his Social Security number by heart, even if it’s a meaningless series of digits. But too few of us know our credit scores. And unlike an SSN, your credit score has a profound effect on your finances and future. Credit scores are notoriously fickle things. Yet they can […]
What in life is really essential to our survival? It’s a pretty short list, headlined by food, shelter and clothing, but many people nowadays would also include a mobile phone among their list of indispensable “must-have” items. But did you know that a mobile phone payment could also affect someone’s credit scores? Currently, the account […]
Major security breaches have become too common of a story, with retailers and websites hacked with alarming frequency. It has become so common that it can often take a fairly egregious breach – think SONY in 2014, or Target in 2013 – for something to become a high-profile news story. Stealing and selling personal information […]
Some lenders require a social security number with a clean credit history, but don’t necessarily check that the borrower’s name matches the number, so thieves can get away with using social security numbers that aren’t assigned to anyone at all. Your child’s identity can be at risk at any point in life. Children are easy […]
Before the Credit Card Accountability, Responsibility, and Disclosure or CARD Act went into effect in 2009, it was a much more common sight to see credit card companies setting up kiosks welcoming students to campus, offering swag in exchange for filling out an application for a college-affinity card. Credit cards branded with the logo and […]
