Everyone doesn’t follow the advice to have an emergency fund for times when you need cash in a pinch. Other people get stuck needing more than they saved for. Whether your car breaks down or your water heater blows up, sometimes you need cash in a hurry.
6 Ways to Get Money in a Hurry Read More »
I recently refinanced my loan from 4.25% to 2.875% and lowered my loan time from 29 years to 15 years. While my monthly payment went up a bit, I am saving thousands of dollars in interest over the life of the loan. With such a low interest rate, it makes me wonder if I should
Should I Pay Off My Low Interest Mortgage Loan? Read More »
In a perfect world, we wouldn’t have to worry about student loans and credit card debt when dating, but credit score dating has become a real thing. Once you are past dating and in a serious relationship, things get even more complicated.
Should I Pay My Significant Other’s Debt? Read More »
As of 2012, Americans owe $849 billion in credit card debt, $8.03 trillion in mortgages, and $956 billion in student loans. This situation shows no signs of slowing down owing to poor money values that we have as a nation. The advertising industry forces us to spend on things we don’t need and can’t even afford, and this is what the credit card industry capitalizes on.
Top 10 Guidelines to Follow Toward Achieving Debt Independence Read More »
I remember the day like it was yesterday, I was looking at my four credit card statements and saw that I was just north of $20,000 in credit card debt. I asked myself, how did I get there? It did not help that I had just come back from the music store having purchased four or five CD’s that I had no business buying, yet I still did not see the issue. My problem was that I was using credit cards to fund a lifestyle that I wanted, and felt that I deserved but was doing it at the expense of my future. It would be one thing if the credit card debt was due to me losing a job or something like that, but sadly it was largely spent on junk that I did not need. One question kept running through my mind – was all that stuff worth the cost?
Is Your Credit Card Debt Worth the Cost? Read More »
So you want to become a millionaire? The path isn’t easy. Those seeking millionaire status are going to have to make some extreme lifestyle changes to get there, and here are six ways to start.
Six Steps to Take Now to Retire a Millionaire Read More »
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