I will be the first person to admit that sometimes when it comes to money and personal finances, I am a bit clueless. Especially in my younger years when I was just starting out and looking at all of the enticing credit card offers. However, I was also very lucky that my mom used to…
Budgeting is not an easy topic but one that many deal with or face. Why do we fear budgeting? For some, it’s a matter of sacrifice and learning to live with less. This prospect may scare us. For others, it may be coming to terms with our financial reality. For example, when we carry a…
By now, I’m sure we’ve all seen the commercials out there for payday loans. It’s quick, easy money when you need it. But is getting a payday loan worth it? Is it really something that you should consider when you need money? This was something that my ex and I had once discussed, before we…
Do you know what your credit score is? I’ll be honest, my credit score at one point was respectable. Then, I got in a bit of trouble with my credit cards and my credit score suffered because of it. Now I’m at the point where I’m trying to become debt free on my own and…
If you’re a current or former college student, the chances are very likely that you have some amount of student loan debt. It happens to many of us and it’s really nothing to be ashamed of. Though there are ways to find free money for college and definitely ways to maximize your FASFA, sometimes taking…
If you’re having a lot of credit and debt issues, you may have considered filing for bankruptcy. This is often a last resort when it comes to personal finances and is not a decision that should be made overnight. Before you file for bankruptcy, be sure that you’ve explored and exhausted all possible options. Take…