Credit & Debt Archives

Typically, your credit history is crucial when getting a loan from different lenders. They will look at the credit history to determine your capacity to repay your loans without delay. In most cases, having good credit increases your chances of ...

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5 Cost-Effective Ways to Deal With Common Problems

Money can solve many problems. Plain and simple, the more capital you have available, the more resources you can draw on and the more help you can get when you encounter difficult issues. The bad news is that many people can't afford to throw money ...

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What Everyone Needs to Consider Before Taking Out a Title Loan

If you are thinking of taking out a loan, you need to decide what type of loan is best suited to your needs. Depending on your income, credit score, and circumstances, you may find that you are not eligible for all types of finance. For instance, if ...

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Is It Really Worth Trying to Retire a 30-Year Home Loan in 15?

By Len Penzo

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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3 Simple Ways Busy People Keep Control of Their Finances

When you work hard for every dollar you earn and do your best to save every cent each month, it's important not to lose money on overdue fees. Apart from the cost of such fees, not paying invoices on time can lead to more dire consequences, such as ...

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5 Simple Tips for Getting a Loan with Bad Credit

If you've found yourself in a financial pickle lately and are wondering if you will be able to get a loan on bad credit or not, then you're not alone. While getting a loan is a much easier process when you have a good credit score, it can be ...

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A Quick Reference Guide to Getting Out of Debt

Nobody wants to be in debt -- although the sad truth is that millions of people are buried under a mountain of it. Unfortunately, owing a lot of money to many creditors causes problems -- not only for your personal finances, but also your ...

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How Do Solar Loans Work? Here’s a Simple Guide

Are you passionate about the environment? Do you yearn to make your home even greener, utilizing renewable sources of energy to not only lower your energy bill but also reduce your carbon footprint? If so, then you need to consider installing ...

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9 Legitimate Ways to Get Fast Cash If You Need Money Now

Now more than ever, millions of people are in need of quick cash to pay for emergencies, cover their bills, or even buy food. While that is pretty bleak, there are also now more ways to make quick money than ever before. With that in mind, here ...

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How Your Credit Report Can Help Raise Your Credit Score

There are many advantages that come from tracking your credit report. If you're wondering, "How can get my free credit report?" the answer is simple: There are many online resources you can use to get a current copy of your report. This can be one of ...

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What to Consider When Trying to Get a Car Loan with Bad Credit

Anyone who has ever had a bad credit history and low credit score will know just what a serious impact it can have on their futures. When your credit is damaged, you may struggle to get any form of finance from mainstream lenders, and this includes ...

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A Startup’s Guide to Working Capital Loans: Everything to Know

According to data by the Federal Reserve, 40% of businesses have a hard time paying their operational expenses. For such business, failure to access working capital financing can lead to low or no investment in other critical operational areas for ...

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5 Finance Management Tips Everyone Wishes They Had Known Sooner

Nowadays, money is everything; it pays the bills, secures a future, and makes life more comfortable. But, if we want to live the dream and never stress about finances, we need to know how to manage them. Of course, if you are in a pinch and need ...

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5 Steps to Better Money Management

Millions of Americans are out of work, oil prices are at record lows, and we're only at the beginning of the coronavirus crisis. While you're working on protecting your physical health in the face of this pandemic, there's never been a better time to ...

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38 Secrets for Financial Success: My Personal Finance Manifesto

By Len Penzo

Awhile 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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Is It Better to Borrow From a Bank or Private Lender?

If you're considering a personal or business loan to get you through a financial hardship, you need to know the difference between a bank and private lender. Many people need financial help from time-to-time, and most commonly this is in the form ...

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The 6 Most Common Ways to Finance a New Car

There are multiple ways to finance your new vehicle, but be careful: Some are riskier than others and all of them require some discipline and financial planning. So consider these tips and strategies to memory before you think about buying your next ...

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Can I Get an ATV Loan with Bad Credit?