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Reasons why you should avoid debt settlement companies



When you are unable to pay even the minimum amount of your debt, then debt settlement is the solution you should consider. It is an approach to lower debt, where the creditor agrees on a reduced balance, usually 40% to 60% of the debt. 371 more words

Personal Finance

Skip That Payday Loan


Payday loans are loans that are taken out against a future paycheck. They are quick source of money in an emergency, but you will find that relying on them too much can have some seriously detrimental effects to your pocketbook! 577 more words

Personal Finance

In Which I Lament the State of My Closet

I’ve been watching the Lizzie Bennet Diaries (I’m just a couple of years late, I know, I know). And their clothes are so cute. So cute. 1,494 more words

Debt

Credit card myths busted


When it comes to credit cards, there are a lot of nasty myths and misconceptions passed around. These can often scare off first-time applicants for standard and balance transfer credit cards, but most are untrue and are not worth paying attention to. 417 more words

Personal Finance

How to Avoid Credit Card Debt


Whenever people get their first credit card, more often than not they want to go out and purchase something. Many first time credit card holders will tell themselves that they will not fall into the trap known as debt, but those who use credit cards with the “buy now, pay later” mentality usually will.  845 more words

Personal Finance

How Credit Scores Work and Why They Matter Now More than Ever


Like it or not, a credit score is the language of lending approval for the consumer and for small businesses. It provides a standardized way that lenders can quickly evaluate and filter out loan applicants for all types of credit products ranging from revolving lines of credit to mortgages, and its not going away any time soon. 506 more words

Personal Finance

Invest or Pay Off Debt – Which Should I Do First?


When evaluating your financial position, you may be wondering what will give you the best result in the long term. Many people feel that investing their money takes priority over eliminating debt, however there are a number of reasons why this approach can be troublesome. 411 more words

Personal Finance