Okay, we know you hate to budget because you think it will be too hard to follow. Maybe, but if you create a realistic and workable budget with goals, it really isn’t hard at all. We’ll cover 6 primary benefits of budgeting to show you what the results can be.
Making a budget is an important financial first step and cannot be View full post…
I know, I know, we’ve all been there, and it’s easy to say, but usually hard to do. What’s more, all of this credit card debt didn’t appear instantly, and it’s not going to go away instantly either. We’ll try to show you how to pay off credit card debt in a reasonable time frame, but it’s very important that you have your mind set to do it.
Getting rid of this bad debt may seem next to impossible, but it is absolutely possible. If paying your bills at the beginning of the month gives you a View full post…
Either one is an acceptable goal, but is one better than the other, or maybe you should do both? There are many opinions to the answer to this question, so let’s explore some of them. People who have created a budget and have extra cash, are sometimes faced with this dilemma.
So, should you pay off debt or invest that extra cash? A broad answer is there is no one size fits all situation. It all depends on a lot of factors surrounding your personal financial circumstances.
Using your spare cash to invest or View full post…
2020 was a tough year for most, given the pandemic. Everyone was affected in some way, with many being affected financially. 2021 has been the year of financial cleanup. Whether you’re just starting out in managing your money, or have years of experience, we’re here to provide you with the top 5 personal finance goals to have right now and tell you how to achieve them.
Yes, for many this sounds like a daunting goal. Especially because the debt more than likely didn’t happen overnight. Depending on your situation this could View full post…
If so, you may be surprised to know how much damage it can do to your marriage. The problem usually isn’t just short-term either…it can result in a lingering resentment. Couples that fight over money often times don’t have a money discussion before the marriage.
The American Institute of CPA’s conducted a study a few years back regarding this issue, and the results were eye-opening to say the least. They reported that View full post…
Has your credit score “tanked” or been reducing for whatever reason? Don’t throw in the towel and just give up. There is something you can do about it if you’re willing to work hard at it. We’re not saying it’s going to be easy, but it will be worthwhile. Follow our 6 tips to improve your credit score, and it will pay off.
No question about it, improving your credit score is worth spending some time and sweat. It’s also a good investment in the long run as you’ll see later on in this article.
How many times have you applied for a car loan or a credit card and been declined? Or maybe View full post…
The very first step you need to take to repair bad credit, is to focus on paying all of your bills on time. At the same time, begin reducing credit cards and other loans you may have. Using certain credit building tools may help too.
It’s a lot tougher to repair your bad credit than it is starting to establish new credit. You’re now in a more difficult position of trying to convince credit card issuers and other lenders that you can be an acceptable credit risk.
Even though you’ve messed up before and got behind on your payments, you have to convince them that you will do everything in your power to change your ways.
Getting a good starting point is very View full post…
Whether you want to get out of debt or want to avoid it, what matters is you’re inspired to be better. But how do you start? Well, I’m here to help you with that! Today I bring you 10 tips that will help you get out of debt and keep it that way. If you make life habits out of these tips, you will never have to deal with the headache and stress of debt ever again.
If you want to get out of debt, you need to start paying attention to detail. You won’t notice things such as a recurring fee on your credit card bill for that gym you don’t go to anymore if you don’t check your statement regularly. If you monitor your personal finances like a hawk, you won’t ignore View full post…
A personal loan, however, can be for any of these things—or something completely different. Sometimes they’re a great idea, and sometimes not so much. Let’s dive in to what personal loans are, and how they are most commonly used.
Unlike an auto loan or a mortgage, which are secured by the asset being financed, a personal loan is typically unsecured. Its approval is based mostly on the creditworthiness of the borrower.
Personal loans come with far more risk for the lender than View full post…
Do you know anyone who is living a debt free life? Do you want to live without the stress of meeting loan obligations every month? Read on and see how to get rid of debt once and for all.
Debt-free individuals usually share the following ten similar characteristics that enables them to live below their means. There’s nothing here that is so highly technical that prevents anyone else from copying.
