Friday’s Credit Tip #6: Look Out for Identity Theft

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If you have a lower credit score that you would like, odds are that the score is caused by some small financial mistake or oversight you have made in the past. Not every person with bad credit has a low credit score caused by something they did, though. Sometimes, other people’s criminal activity can affect [...]

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The Battle for Your Wallet

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Do you need to save more money or rein in your spending? How about a set of unusual money saving tips? Sure, the holiday season is months away, but don’t be surprised if you start seeing early buy promos even earlier this year. With that in mind, how about a different approach? Especially if what [...]

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7 Things that Will Happen when You Do not Pay Your Student Loans!

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So, you are about to say “f my student loans, I ain’t paying!” and want to know what can happen? Well, first things first. There is a big difference from being delinquent and defaulting, especially as it pertains to student loans, so I’ll explain the difference.

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3 Top Reasons the Middle Class is Screwed

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Does middle-class mean that your income is “average”? What is household income? What is the difference between median household income and average household income? The answers to these questions are important to this discussion, so let’s get to it.

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Friday’s Credit Tip #5: Pay Down Your Debts

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If you have a lot of debt, your credit score will suffer. Paying down your debts to a minimum will help elevate your credit score. How does this work you may ask? It has everything to do with credit utilization ratios.

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Heads Up, Credit Card Advice Turned Upside Down

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Sometimes you just got to poke your head up from the sand and take a good hard look around. In this case, it’s about looking at the typical credit card advice you now know so well you could chant it in your sleep. Maybe, just maybe, there are times when you need to turn that [...]

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We Were All Born at Square One

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Hey buddy … where you going? “Back to Square One”, he lamented. Are you one of the millions of Americans who feel like Square One is your hometown—a place to which you always reluctantly return? I’m Talking about Personal Finances How often have you scrimped and saved to put yourself and your family in a [...]

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Friday’s Credit Tip #4: Avoid Excessive Use of Credit

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If you have many lines of maxed out credit or several huge debts, you make a worse credit risk because you are close to “overextending your credit.” This simply means that you may be taking on more credit than you can comfortably pay off. Even if you are making payments regularly now on existing bills, [...]

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Roth IRA and the ‘F’ Word

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Surely by now you have heard the term Roth IRA. Considering the ups and downs that we have all experienced with the roller coaster ride that our national economy has been on for the past few years, now more than ever before, it’s important to take steps to have something set aside for your retirement. [...]

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Student Loan Debt—Should this be my First Priority?

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If you are a recent college graduate, there is a high probability that your student loan is the most significant obligation you have. The question many graduates ask is, “Since my student loans are my largest debt, should they be my first repayment priority?” As with all financial questions, one-size-fits-all answers are rare. However, we [...]

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