personal finance

Why You Need a Budget

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 …

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Should You Get a Payday Loan?

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 …

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Before You File for Bankruptcy

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 …

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