The line between a future of financial solvency and one of distress is thinner than you might think.
Unfortunately, many people don’t realize they’re on the wrong side of that divide until it’s too late.
You could call it the ostrich syndrome. You know that things aren’t good, but you just don’t want to face up to
Continue reading Debt Problem – Signs to Look For – When to Get Help to Control Debt
You don’t have to put a lot of effort into it to hurt your credit score. Just a misstep or two is all that’s required.
Let’s look at a few ways your credit card could get dinged.
Paying Late
Credit card companies are notoriously prickly about late payments — even a payment that’s late by a few
Continue reading How to Hurt Your Credit Score Without Really Trying
The best way to begin getting the debt and spending under control is to reduce your monthly expenses. And one good place to start is to focus on reducing your variable expenses.
Variable expenses include those that can be changed or eliminated entirely.
Variable expenses are those that fluctuate each month, such as clothing, food, entertainment, vacations,
Continue reading Reduce Spending and Debt by Looking at Variable Expenses
As important as it is to start saving for retirement early, you may be better off tackling your consumer debt first. In some cases, the amount of debt you have not only affects your budget today, but it can significantly limit your options in the future. So if you’re contemplating whether to pay down your
Continue reading Pay Down Debt or Save for Retirement?
When it comes to filling out financial aid forms there are some families that have high incomes or a lot of wealth that have every reason to question whether it is worth the effort.
First, check to see how you stand for aid eligibility by going to collegeboard.com and use the College Board’s Expected Financial Contribution, or
Continue reading When Not to File for College Financial Aid
Studies that explore what makes us happy generally reach the same conclusion – we get the most happiness and joy out of time with family and friends or activities that provide general enrichment, such as hobbies.
What the studies show is that it isn’t how much we spend but the quality of the overall experience. So
Continue reading How We Spend – Buying the Potential for Happiness
When you need cash to help make ends meet be careful who answers your call for financial help. A loan may help get you by, but you’ll want to borrow money at the best rates, according to terms that suit your needs – and steer clear of bad deals as well as those that look too
Continue reading Options for Getting Cash to Make Ends Meet
Your car gives you many opportunities to save money on your quest for cash.
Here’s one: the next time you pull up to the pump, think twice about paying for premium gas. In truth, most cars operate just fine with the less-expensive grade. Check your owner’s manual to see if premium is required or merely recommended. Then, look for
Continue reading Use Your Car to Save Money on Your Quest for Cash