Compulsive spending involves feeling compelled to spend money on items you don’t really want or need. In some cases, you might spend money on items you already have plenty of. For example, even though you love getting new shoes, if you already have 20 pairs of them, it’s probably safe to say you don’t need […]
How Smart People Use Credit
I know you’re smart… I’m not trying to insult your intelligence. But are you financially smart? I mean, credit-use smart?If you answered yes, then click away, go read another article on this website.But if you answered no or maybe, then please stay with me because we’re going to discuss how to use credit the right […]
How to Protect Your Credit During Marriage and Divorce
Surprisingly, many couples don’t talk about their individual finances. This is quite disturbing, given that nearly 60 percent of divorcees say finances played a role in the breakup of their marriage, and 20 percent said financial conflict was a major factor in their divorce, according to a recent survey by the credit agency, Experian. What’s […]
How to Recover from Bad Credit
Bad credit can make your life awful. You probably know that by now.When you try to rent a home or apartment, bad credit can make it difficult to find a place.Many insurance companies do credit checks and base your coverage on how risky you’d be to have as a client.Loans and credit cards with decent […]
Disputing Your Credit Report
While the credit reporting agencies are required by law to report only accurate information, they don’t always know what is or isn’t accurate until you, the consumer, let them know. It is, therefore, imperative that you order and review your credit reports, at least, once a year to see what’s in them. If you […]
Is Your Debt Spiraling Out of Control?
When your debt is spiraling out of control, it feels like that scary nightmare where you fall into a dark pit and unable to climb out. You seem stuck; and try hard as you may, you find yourself falling deeper and deeper.That’s a true definition of financial crises!Many Americans found their debt spiraling out of […]
Are You on the Path to Financial Disaster?
I must confess, one of the biggest mistakes I had made in my life was refusing to acknowledge some negative trends in my life. I suppose many of us are guilty of this at some point in our lives; like ignoring that expanding waistline or being in denial of a failing marriage. Or, disregarding the […]
Are You Struggling With Staying On Budget?
Budgeting comes with many advantages including the ability to manage money effectively, avoiding impulse buying, organizing your savings and expenses, among others. However, many people are unable to stay within their budgets for different reasons. If you are unable to stick to your budget, the good news is that there are simple strategies you can […]
How You Can Get Your Credit Report for Free
I’m sure you’ve seen one of those television commercials claiming to give you a free credit report. Only that most of those are anything but free. Sure, you can get a free copy of your credit report, but only after enrolling in some credit monitoring service that comes along with a monthly fee. But you […]
5 Quick Ways To Get Out of Debt
With the current global economic crisis, everyone is seeking for ways to cut debt and save cash. The interest rates have become unbearable. Because of the high interest rates many people are hopelessly struggling with long term debts not knowing what to do to get out of the mess. What most people do not realize […]