Sophia Grant

If you’re at the end of your rope and wondering whether bankruptcy is the right next step, it’s important to understand which type of filing might be best for your specific situation. Those who declare personal bankruptcy almost always file for either Chapter 7 and Chapter 13. These are the two most common types of […]

Nothing feels so much like being stuck between a rock and a hard place so much as being behind on bills. But what if you’re just not ready to talk to anyone about it yet, collector or not?  But you don’t need another person to help alleviate the burden of debt. Here’s how to start […]

When you’re feeling overwhelmed by debt, it’s easy to fantasize about an escape route. And while some will offer a path promising exactly that, acting without thinking can actually make things worse. Let’s talk about what to avoid when you’re under pressure. If you’re in crisis mode, here’s how to steer clear of the mistakes […]

Zombies don’t just lurch across the silver screen — they can stumble into your financial life too.  “Zombie debt” is a debt that pops back up long after you’d forgotten about it. These undead debts often re-emerge after being sold to collectors who hope you’ll pay it without asking questions. But if the debt is […]

Most budgeting advice has you following a rule like 50/30/20, for essentials, wants, and savings. But what if that doesn’t work for you?

You’ve probably heard the rule that rent should take up no more than 30% of your income. But for millions of people, that math doesn’t work anymore.

If your budget app feels more like a guilt trip than a tool, you’re not alone. Budget burnout can be a major hurdle to cross — especially because it can be difficult to get back on the wagon when you’re exhausted by the tracking and saving.  But this isn’t a mark against you. Budgeting — […]

Managing to pay your rent each month is not the same as being able to afford it. The warning signs that your rent is too high for your income can be subtle, from skipping putting money into your emergency fund to feeling stressed.  This quick check is here to help you figure out if you […]

Sticking to a budget can sometimes feel like a thankless slog. The work of tracking your spending, cutting back and making do under less-than-ideal circumstances can wear down your enthusiasm for paying off debt.  But burnout doesn’t mean you’re making a bad choice — it just means that your approach could use a reexamination. You […]

What if there were trusted, judgment-free resources already out there — some even free — that you didn’t know existed?