The other day I overheard a couple of nice ladies going on and on about why they loved, loved, LOVED their credit cards.
And let me tell you, they really loved them.
At first, I didn't understand what all the fuss was about. Like most people, I ...
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Why You Should Be Careful Before Gambling Online with a Credit Card
Using online services such as shopping and streaming services often requires the use of credit cards. And online gambling - which has become increasingly popular in recent years - is no different.
Of course, time and time again we are warned about ...
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100 Words On: The Smartest Way to Eliminate Your Credit Card Debt
I don't care what you've heard about Dave Ramsey's debt snowball, the credit card debt-elimination method that calls for paying off cards with the lowest balances first -- regardless of their interest rate. It's wrong.
Ramsey claims the debt ...
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How Do Payday Loans Work?
If you found yourself short on cash, you could try applying for a payday loan - but keep in mind that it's going to cost you.
A payday loan grants you access to cash to bridge the gap until your payday. But payday loans are not to be taken lightly ...
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How to Ensure You’re Getting the Most from Your Wallet
Think about how much stuff you have in your wallet at the moment: maybe a little cash, and probably a few debit cards or credit cards.
Now, are you satisfied with how much your wallet is earning for you?
It's never a bad time to take a look inside ...
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How to Create a Long-Term Plan for Your Ultimate Financial Goals
For many, the idea of setting financial goals is a new concept. At most, it might be something that they do occasionally. They might think: I need to pay off this credit card. Or perhaps:I want to save up for a down payment.
However, in order to ...
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5 Pointers to Help You Pick the Right Home Loan
Home loans are the only way that most people around the world today can afford to buy homes. This is especially true for real estate in expensive locales from San Francisco to New York -- and even homes in a city like Mumbai.
With the high prices ...
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8 Ways to Tame Your Credit Card Debt Fast!
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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