I know what you're thinking: As soon as I start earning more money I'll finally become debt free! In reality, the moment you start earning more money you'll start spending more and end up in the same position you're currently on. Don't feel ...

Continue reading 3 Reasons Why an Automated Budget Will Help You Crush Debt

Are you going to take out a loan? Do you want to apply for another credit card? If so, your credit score can increase your chances of getting your applications approved. You see, the credit score is a numerical value that tells lenders that you are ...

Continue reading 5 Pitfalls to Avoid If You’re Trying to Improve Your Credit Score

Are you in over your head in debt and feel like there's no end in sight? The first step is to take a deep breath and know you're not alone. After all, US consumer debt rose $13.9 billion in January 2018 to $3.86 trillion overall; that's an annualized ...

Continue reading How to Find a Legitimate Debt Relief Company

Debt; it's not a word we like to talk about. It means you owe money, no matter how much it is. But if you do not take it seriously, debt will quickly spiral out of control. When that happens, you're left wondering how you will ever become financially ...

Continue reading 3 Simple Ways to Control Your Debt

Your credit score is more than just a three-digit number. It's also a measure of your financial health. A low credit score can make it harder to get approved for new loans or lines of credit. And if you do get approved, chances are you might get ...

Continue reading How to Get a Better Credit Score in Less Than 90 Days

Unless you have more than enough cash at your disposal, you will definitely require credit during some point of your life. Irrespective of whether you're planning to buy a new home, a big-ticket luxury item, a car, or an apartment, your credit score ...

Continue reading 4 Ways to Build Your Credit History Without a Credit Card

As you probably already realize, you're going to run into significant problems if you're unable to get your bills paid in full. Late payments will cause your bills to double, if not quadruple. Simultaneously, there is a good chance that your credit ...

Continue reading 7 Tips to Help Ensure Your Bills Are Always Paid On Time and In Full

Many of us come across a time where we are so short of cash that we can't pay for the essentials. It may be because you had unexpected repairs or bills that had to be dealt with, it could be because of a problem with your wages, or it may be that you ...

Continue reading Short Term Financial Solutions for Individuals

If you allow your debts to pile up, they can draw you into a vicious debt cycle. You can try to solve the debt problems on your own by implementing some severe austerity measures such as cutting spending to the bone, and selling luxury items to free ...

Continue reading Debt Consolidation Program Pros and Cons You Need to Know

So you think the answer to finally pay off all of your credit card debt is to read dozens of great personal finance books. You've even considered going further into debt, wanting to hit rock bottom, with the hope that such a move would motivate you ...

Continue reading 5 Proven Ways to Crush Credit Card Debt

Nobody ever truly starts out dreaming of going bankrupt one day -- but sometimes it's a necessary evil. If the day finally comes when you decide to file for bankruptcy, the next decision is to understand the type of bankruptcy that best suits your ...

Continue reading How to Know Which Bankruptcy Chapter Is Best for You

Being in debt is largely a matter of second grade arithmetic -- if we spend more than we earn then we'll get in debt; if we continue spending more than we earn then we're likely to stay in debt. The solution is to reverse the equation: Instead of ...

Continue reading 4 Basic Habits That Keep Most People Mired in Debt