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Budgeting, debt relief, credit health, career tips and more.
Most people in debt share a common goal: to pay it off quickly and save as much money as possible. No one wants to spend more than they have to. Fortunately, there are many different ways to get out of debt faster and for less money. Consider six of the cheapest ways to get out of debt and find the solution that is right for you.
Most people agree that keeping a budget is a good idea but how many faithfully do it? Like me, you’ve probably made a budget spreadsheet only to forget about it a few days later. I’m not proud to admit I’ve done this more than once, but why? Despite working in personal finance, I was influenced by budget myths. Are budgeting myths holding you back? Avoid these four misconceptions about budgeting and give your financial planning a fresh start. 4 Budgeting…
Children are notorious for asking hard questions, and it can be difficult to give them honest, age-appropriate answers. Yes, it’s okay to give a watered-down answer from time-to-time, but how exactly should you respond when they ask about your finances? In this blog, we’ll examine the importance of having money-related conversations and review the things that shouldn’t be shared with your kids. We’ll also offer advice on how to answer six tricky questions your children may ask about your money.
If you’re on the hunt for a new job, you’re likely asking yourself what you want your work life to look like. Do you want consistency in your assignments or more variety? A flexible work schedule or a rigid one? As many benefits as possible or more cash in your pocket to cover the basics? To work for a company full-time or work for yourself as a contractor?
A personal loan is money borrowed from a bank, credit union, family member, or online lender. Many different types of loans fall into this category. Most have a fixed interest rate that allows borrowers to make predictable payments to repay the debt.
The past year proved that one remote work is here to stay. Many cities are taking advantage of that trend by offering incentives to remote workers who relocate to their communities. People in all industries no longer need to live in large expensive cities to make a living.
Not having access to cash when you need it is stressful and inconvenient. A cash advance is a short-term cash loan made against an existing line of credit. An advance allows you to use your credit card to get cash from an ATM or bank. Just like any credit used on a credit card, a cash advance needs to be paid back and will accrue interest.
Most of us have been in a situation where we’ve needed to borrow money. For some, borrowing comes in the form of student loans for college expenses, a mortgage for a new home, or a personal line of credit to start a new business. For others, borrowing has allowed them to make ends meet when they were in a financial bind.
If you need to consolidate and pay off existing debt, but have concerns about your credit score and finances, you may be considering bad credit loans. Using a bad credit loan to consolidate existing debt may seem like a good idea, but it’s not your only option. It’s important to understand the risks and consider all alternatives before making a decision.