During the second quarter of 2021, household debt in the United States jumped from $313 billion to $15 trillion. Credit card debt, in particular, rose to $787 trillion -- $17 billion higher than the previous quarter. This spike shows that it's more ...
Continue reading 4 Good Reasons Why You’re Overspending (and How to Stop It)
How I Manage My Finances In Just 15 Minutes Every Month
I'm not afraid of hard work; I'm deathly afraid of dumb work. I hate waiting in lines, I hate doing the same thing over and over again, and I hate doing something slow if there's a faster way to go about it. The engineer in me goes absolutely ...
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Bankruptcy: Financial Suicide or Fresh Start?
There are lots of things that you can do to commit financial suicide, especially when you live in a state with a high cost of living like California. If you do too many of them you can find yourself staring down the barrel of potential bankruptcy. ...
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5 Ways to End Your Financial Worries This Year
If your financial worries are keeping you awake at night, now is the time to address them and start making positive changes. It may seem like your problems can't be solved, but they can be and there are things you can do to make your money problems ...
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The Benefits of Financial Literacy to the Newest Generation
Knowing how to handle your finances by making the right decision is called financial literacy. It is the set of skills or knowledge that can help you achieve financial success. Many people don't bother to learn how to manage their finances because it ...
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How to Budget Your Discretionary Income for Non-Essential Purchases
After covering basic expenses like rent or mortgage payments, car payments, groceries, utilities, and so on, it can be hard to cut back on more fun discretionary spending such as going out to eat or buying the latest video game. However, by budgeting ...
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4 Life Saving Strategies for Those Who Are Deep In Debt
If you're in a serious and seemingly irrevocable financial problem, you should consider your options. While it's not an easy task to fix your money problems, with some hard work, you can enjoy a financial future full of hope. If you are deep in debt, ...
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8 Reasons Why You Should Consider Getting a Secured Credit Card
It's normal to be wary of traditional credit cards. You might be trying to avoid debt or rebuild your credit from the ground up. Fortunately, you have options.
Secured credit cards, for example, can be a smart alternative to the other plastic in ...
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10 Famous People Who Have Gone 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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How Credit Reporting Agencies Calculate Your Credit Score
In order to talk about what is considered when calculating your credit score you need to first understand what shows up in your credit report. Your credit report is a history of how you have used or abused your credit. This report is created by one ...
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3 Things You Shouldn’t Buy with a Credit Card (and 1 You Always Should)
Credit cards shouldn't scare you; when used correctly, they're actually the most rewarding form of currency available today.
Seriously, when's the last time you were rewarded with airline miles for using cash?
And while it's highly recommended that ...
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What Is Medical Debt and How Do You Get Out of It?
Medical debt can be a confusing situation, and without understanding it, you may find it hard to get out. Thankfully, the situation doesn't have to be bleak, and with a couple of tips, you can start to understand how you can get out of medical ...
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Understanding Your Credit and Loan Options After Filing Bankruptcy
In the financial world, bankruptcy is often one of the most tragic and debilitating processes a person can go through. It can cause stress that never goes away. It can financially destroy a person's life, making them live a lower standard of living ...
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9 Important Money Tips Every Dad Should Teach His Kids
Kids, with Father's Day right around the corner, I hope you don't mind if your dear old dad takes a few minutes to give you a little bit of fatherly financial advice.
Despite what your mom says, I don't profess to know everything -- okay, I guess ...
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What Is Debt Consolidation and How Can It Benefit You?
Do you pay for several loans at the same time? If so, you should know that it's possible to combine them and pay less by a common financing technique known as "debt consolidation."
Why choose consolidation?
Better than regular refinancing. Wherever ...
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The Best Alternatives to Payday Loans
Payday loans get a bad rap; unfortunately, a lot of it is warranted. They offer horrible rates and fees that many people rightfully consider predatory. For many, payday lenders can seem like the only option. But getting financing for an emergency ...
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A Few Minutes With Personal Finance Genius Rich Livingston
Occasionally, I enjoy reading enlightening conversations with respected personal finance experts. But after making numerous interview requests over the past couple of months, it was obvious to me that most of those respected experts still didn't want ...
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Are There Benefits to Cosigning a Loan?
Have you been invited by a family member or a friend to be a cosigner for their loan? Or have you ever experienced the need to have a cosigner to be approved for a loan?
Everyone who is suffering from a bad credit score might already have ...
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Don’t Be Fooled: A High Income Doesn’t Guarantee Financial Freedom
Remember Illinois Governor Rod Blagojevich? He's the guy who was impeached in 2009 and then convicted in Federal court a couple of years later on multiple corruption charges, including the solicitation of bribes for political ...
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Personal Finance For Dummies: It’s as Easy as A-B-C
Most procrastinating high school and college literature students know that when they've put off their reading assignments to the point where they no longer have the time to actually read the book, they can always rely on Cliffs Notes.
Some kids ...
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