Debt can creep up slowly – or hit all at once. One month you’re managing minimum payments, and the next you’re juggling overdue bills, collection calls, and mounting stress. While many people view bankruptcy as a last resort, it can sometimes be a ...
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Basic Homebuying Tips for a First House
Buying your first home can be both exciting and terrifying at the same time. The old standard of saving a 20% down payment seems like an insurmountable task at times. The good news is there are alternatives available that can make owning your home a ...
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College Students: Here’s How to Get Cash for Housing, Books & Tuition
College is expensive. It can be tough to keep up with tuition payments, room and board and textbook purchases; time is also at a premium. So, how can you possibly find the extra cash to pay for all of these things?
Luckily, there are lots of ...
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3 Big Reasons Why Most Businesses Accept Credit Cards
Although most businesses accept credit cards these days, there are many owners who still try to run their business without accepting plastic these days.
Nearly everyone in the free world is at a least using a debit card that they have connected to ...
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The 4 Worst Ways to Pay Down Debt
Debt may be a part of life, but that doesn't make it suck any less. If you're deep in debt, you're probably looking for ways to retire it. Or at least pay it down enough to improve your credit report. Whatever the reason, there are smart ways to ...
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38 Secrets for Financial Success: My Personal Finance Manifesto
A while back, somebody asked me to summarize my personal finance "playbook" in a blog post. Well ... Here it is:
Debt is a form of indentured servitude where people agree to sacrifice a portion of their future earnings in exchange for instant ...
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The 15 vs. 30 Year Mortgage Debate: Why a 30-Year Loan Is Better
According to Freddie Mac's most recent survey, there is currently a spread of about 0.5% between the 15- and 30-year fixed rate mortgage benchmarks.
I think most people naturally assume that, when it comes to choosing between a 15- or 30-year fixed ...
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What Influences Your Credit Score?
If you've ever gotten a free credit report score, you've probably wondered exactly what factors influence your overall credit score. Unfortunately, your credit score is a complex number that's influenced by a variety of factors.
Major credit ...
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Six US Presidents Who Suffered with Personal Debt Problems
Four US Presidents were born in the month of February, including two who are memorialized on Mount Rushmore: George Washington and Abraham Lincoln. (Ronald Reagan and William Henry Harrison are the other two.) As such, it should be no surprise that ...
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5 Lessons From My Italian Father on Love, Marriage and Money
I talk about my Italian parents so much that most of my friends think Mamma and Papa are paying their firstborn son to say nice things about them. In fact, I often tell my readers at Scordo that if it weren't for my parents I'd be lost in terms of ...
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The 50 Biggest Money Mistakes Household CEOs Make
I'm not ashamed to admit I make mistakes. After all, everybody screws up occasionally; for us humans, mistakes come with the territory. For example, I remember the time I decided it would be great fun to play Wii golf for eight consecutive hours. ...
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4 Surprising Truths You Must Learn Before You Can Be Rich
Success is psychological. Whether your goal is to become rich, lose 20 pounds or learn another language, your mindset is your strongest weapon. You are your own greatest asset -- and your own worst enemy.
So today I'd like to share four truths you ...
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Debt Management Plans: When is the Right Time to Apply?
A recent survey found that 22% of people say that their day-to-day finances are the main cause of stress. Clearly that's a significant number of people -- and that number has risen almost 50% in the last year.
One big contributing factor to that ...
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19 Things Your Millionaire Neighbor Won’t Tell You
Although having a million bucks isn't as impressive as it once was, most people still consider it as a sign of financial success. And judging by the number of actual millionaires enjoying life in the world today, there are apparently quite a lot of ...
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How to Improve Your Credit Score
A low credit score can affect your life in more ways than you might think – which is why it's important to maintain the highest score possible. Of course, everybody wants to know how to improve their credit score. If your credit score is less than ...
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Where Can I Find My Free Credit Score?
Your credit score is a financial report card that tells lenders how risky it is to do business with you. The higher your score, the more likely you are to pay back a loan. And that means that lenders will be more willing to offer you bigger loans and ...
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How to Survive a Money Emergency
Nearly everyone will experience a serious money emergency at some point during their lifetime. Something financially catastrophic happens, like your car breaks down or you have to pay a huge medical bill. Afterward, you may be left with little or ...
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6 Ways to Avoid a Holiday Debt Hangover
The holidays come with a host of stressors, the most Xanax-inducing of which is perhaps overspending. Sure, we make our lists and check them twice, but we're still human. Sales, discounts and deals are flashed furiously before your eyes while you're ...
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10 Key Characteristics of Debt-Free People
The other day a friend and I were discussing why some people manage to live their lives in complete control of their finances, while others are continually struggling to get out of debt -- no matter how much money they make.
Financial freedom can ...
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Was Your Credit Card Application Rejected? Here’s Your Options
Nobody wants to have a credit card application rejected, but it happens. If your application was denied, the good news is there are steps you can take that may still put plastic in your wallet.
Rule out simple application errors
You rejection ...
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