Let's face it: not all debt is bad. For example, debt is generally okay whenever it's used to buy something that may increase in value.
That being said, it's always best to try and keep your debts to a minimum. So with that in mind, here are, in ...
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Early 401k Withdrawals: Here Are 4 Alternatives That May Be Better
When you need money, whether it's to pay for your child's education, purchase a new home, or to pay your bills, it can be tempting to turn to your 401k. However, even if you think that you have plenty of time to pay back the money you borrow from it, ...
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A Guide to Retirement Budgeting on a Fixed Income
So you're planning to quit work soon and will be facing retirement on a fixed income? First of all: congratulations! Now, it's time to ensure that your money outlasts your life and that there's some left over for your children.
You can do that by ...
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The Ten Commandments of Personal Finance
Maybe you heard about that infamous Kelton study that found Americans could identify more ingredients in a Big Mac than the individual Ten Commandments.
It's true, folks; 80% of Americans knew there were two all-beef patties in a Big Mac -- but ...
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The Pros & Cons of Freezing Your Credit Report: Is It Really Worth It?
The humongous data breach in 2017 by Equifax that exposed the sensitive personal information of nearly 146 million Americans, greatly increased the risk of identity theft and financial fraud for those affected. Unfortunately, a decade later, the ...
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6 Good Financial Habits That Will Improve Your Bottom Line
Did you make a New Year's resolution to improve your bottom line? Fortunately, it only takes a few good financial habits to meet that noble goal. Even better, most good financial habits are so easy to implement that it's just a matter of getting ...
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What Are the Main Reasons People Take a Personal Loan?
Worried about a sudden financial urgency? Personal loans can be used for anything that lies within the loan agreements. In fact, you need not even mention the purpose of loan in most cases. You can get this loan for anything; from planning a wedding, ...
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What Sri Lankan Borrowers Should Know Before Taking an Online Loan: Expert Tips
Before taking an online loan in Sri Lanka, verify three things first: the lender's licensing status with the Central Bank of Sri Lanka, the full cost of borrowing including hidden fees, and your realistic ability to repay on the agreed schedule. ...
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14 Unconventional Money Moves That Are Smarter Than You Think
Life doesn't always turn out as you might expect it to. The truth is, many things in life often defy all sense of logic.
For example, there was a time when a reasonable person watching Justin Bieber sing on a city sidewalk for spare change would ...
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The Best Household CEOs Understand the Importance of Saying ‘No’
By most accounts, there are more than 250,000 words in the English language.
Of course, I have my favorites.
For example, I've always been quite fond of platypus; I smile every time I hear myself say it.
For some reason, there happens to be ...
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5 Ways Smoking Negatively Affects Your Finances
It's not likely you'll be able to find anyone in the United States who has escaped the message that smoking is hazardous to your health. After all, there's a Surgeon General's warning on every pack. And children learn about the negative effects of ...
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10 Famous People Who Went Bankrupt
Being rich and famous can set you up for life – and well beyond that – but it also can make otherwise smart people do really stupid things with their money. Just ask MC Hammer, who very famously filed for bankruptcy after spending his estimated $33 ...
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18 Facts You Didn’t Know About the National Debt
I know that Halloween is still several months away. However, it won't be long before people will once again be looking for ways to scare the pants off unwitting friends and family members.
One way to do that without having to dress up like a ghost ...
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9 Guilt-Free Ways to Rip Off Your Credit Card Company
Sitting on the edge of the Sonoran desert, along the main highway between Los Angeles and Palm Springs, lies Hadley's, a popular fruit stand and tourist stop that sells, among other things, banana date shakes.
I love 'em; they're an incredibly ...
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Power to the Pinched! The Personal Finance Anarchist Cookbook
Once upon a time, no self-serving radical activist would be caught dead without The Anarchist Cookbook and its misguided recipes for making homemade bombs, tear gas, and other sinister items out of everyday household products.
Of course, that got ...
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How to Avoid the Most Common New-Graduate Money Mistakes
Let me be the first to tell you that it's OK to make mistakes. Financial experts will tell you that the first few years after graduation are the most important. They're right. Compound interest means that the money you save today in your early ...
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The Easiest Money You’ll Ever Make
Who doesn't love making money? I know I do.
Now let's take it up another notch. Who doesn't love making money for as little effort as humanly possible? If you aren't nodding your head right now, then I think it's safe to say that you're not being ...
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How to Use Credit Card Chargebacks to Get Refunds from Stubborn Vendors
Not every merchant goes by the mantra, "The customer is always right." Therefore, even if you've received a fraudulent charge or want to return a piece of merchandise, they may not let you -- and you may not get your money back. Fortunately, credit ...
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4 Smart Ways to Use Your Credit Cards While Avoiding Debt
We all want to have it all. We want to be able to live debt free but still maintain a great credit score. But having your cake and eating it too is widely believed to be impossible. I'm here to prove to you that it is, in fact, possible!
It's not ...
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Is It Really Worth Trying to Retire a 30-Year Home Loan in 15?
When it comes to the great mortgage debate, I've already explained my position regarding 15- and 30-year loans: 30-year loans are better for a multitude of reasons. In fact, I think it's a no-brainer. But does it make financial sense to pay that ...
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