Somebody printed this on a T-shirt: "The holidays are over and all I got was a mountain of debt!"
Sound familiar? Don't feel bad; you're not alone.
According to Wallet Hub, the average credit card balance per US household is now $8590. And with ...
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6 Personal Finance Tips for College Grads
If you are a graduate - or graduating soon - and haven't started planning your finances yet, your head may be spinning with a dizzying array of information. Many people often struggle to find their financial footing following graduation, leading to ...
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5 Things Everybody Should Do Before Applying for a Mortgage
Have you checked your credit score? Do you have all of the correct paperwork in order? Are you aware of the market in which you are planning to buy?
Applying for a mortgage is never an easy job. You can't change your income or credit history ...
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What Girl Scout Cookies Can Teach Us About Mortgages
I love this time of year because the Girl Scouts in my area are out selling their cookies. Of course, that means they'll soon be knocking on my door -- and I'll once again spend 10 minutes agonizing between the Thin Mints, Do-Si-Dos and Caramel ...
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100 Words On: Why Financial Freedom Requires Very Little Money
Don't fall into the trap of thinking that one has to be "rich" to attain financial freedom. There are lots of people earning millions per year who aren't financially free, just as it's also true that there are folks earning less than $50,000 annually ...
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6 Ways Procrastinating Hurts Your Finances
Lots of people live by the procrastinator's creed: Why do today what you can put off until tomorrow?
You might even be one of them.
But while this practice seems innocuous enough, it's actually costing you an embarrassing amount of money. Here ...
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Take Control of Your Personal Finances with These Budgeting Tips
Many of us don't take our money seriously when we first start earning, which sometimes results in acquiring debt or a sub-par living standard. However, it is never too late to begin managing your money in a way that proves to be beneficial for you in ...
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US Credit Card Debt Surpasses $1 Trillion
Watch out, America. It's time to start thinking before you swipe your credit card.
According to a study from WalletHub, the total credit card debt of US consumers now exceeds $1 trillion. In fact, last year American consumers took out more than ...
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How a Broken Washing Machine Fixed My Finances
Readers: I received a message from a reader in the United Kingdom, which I found to be very inspiring. He graciously accepted my request to share his story with you. -- Len
Last November my washing machine died. Because I make decent money - the ...
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What’s the Fastest Way to Pay Down the Mortgage Early?
Vanilla or chocolate?
Credit or debit?
House Hunters or Property Brothers?
Some questions can be answered with relative ease by almost everyone.
On the other hand, when it comes to paying down mortgages early, a much more perplexing ...
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Can You Consolidate Debt with a Personal Loan?
There are a few different ways to consolidate your debt, and one of those ways is by taking out a personal loan.
A personal loan can be a great way to get rid of high-interest credit card debt, but there are some things you need to know before you ...
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4 Great Budgeting Tips For Gen Z and Millennials
Shortly after ringing in the new year, many Millennials are already struggling to reach their financial resolutions. It's no wonder why; the average debt a typical millennial carries is $47,689, according to a Millennial Money Mindset report. The ...
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Why You Need to Organize Your Loan-Repayment Plan
Given the high cost of education for many US students, a student loan is the best chance for acquiring their degrees without too much financial pressure. But, when it eventually gets to paying it off, that's the moment most students are dreading.
In ...
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Cash Advances: 3 Things You Need to Know Before Getting One
Cash advances are very fast and easy to get, especially if you have a credit card. However, not all credit card issuers allow cash advances.
Some people think that getting a cash advance is just making a withdrawal from an ATM or a bank, but it's ...
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4 Kick-Ass Debt Lessons from the Karate Kid
Most of us have been bullied at one time or another as a kid. Perhaps you were called a name or harassed or even hit.
This near-universal experience may be one reason why the movie classic known as The Karate Kid resonated with both adults and ...
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4 Things You Should Know to Be Financially Literate
Financial literacy is the ability to understand and implement basic financial concepts. And since financial education is still working its way to the mainstream, often it's the responsibility of each individual to figure out what personal finance ...
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How to Pay Off Credit Card Debt Quickly (No Matter How Much You Owe)
The most common reader question I get is this one:
"How can I pay off my credit card debt as quickly as possible?"
I always pay my credit card balances in full at the end of every month. That being said, I know exactly how I'd handle it if I ever ...
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100 Words On: Why Many ‘Rich’ People Are Only Fooling Themselves
Pablo Picasso said, "I'd like to live as a poor man, with lots of money." Sage advice. That's because doing the exact opposite is a recipe that's guaranteed to eventually bring financial trouble to anybody brazen enough to try it. Still, that doesn't ...
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9 Smart Reasons to Get Aggressive With Your Debt Busting
When it comes to paying down your debt, there are hundreds of reasons to get aggressive. Some are unique to individuals and their particular financial circumstances, but most cross the boundaries of personal situations to find common ground among ...
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Want a Higher Credit Score? Here’s How to Get It
Do you wish your credit scores were higher? For the vast majority of working adults, the numerical scores reported by the three major bureaus have a massive impact on their lives.
Not only do your scores determine whether you can borrow, but they ...
Continue reading Want a Higher Credit Score? Here’s How to Get It
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