• 4 Ways Debt Can Affect Your Life
    Credit,  Money Matters

    4 Ways Debt Can Affect Your Life

    Everyone will encounter debt at some point in their life. It may happen right after college, being overwhelmed with the thousands upon thousands of dollars in student loan debt, or it could be from consistently frivolous spending for things you didn’t need, and don’t use even now. While some people can manage their debt, not everyone can do so, and this could severely impact and affect their life in many different ways. You Are Stressed Money worries are one of the critical components of stress, and from stress comes anxiety and depression, creating a vicious cycle that can feel almost impossible to escape from. This stress is compounded with interest…

  • 4 Ways to Pay Off Credit Card Debt
    Credit,  Featured,  Money Matters

    Looking to End Credit Card Debt? 4 Ways to Pay Off Credit Card Debt

    With this being the new year, we all have some kind of resolution we hope to obtain. While many people are looking to slim or loose some weight others want to rid themselves of debt. Many people have followed the 52 Week Challenge to help with money issues. On the other hand, people are looking to get rid of credit card debt. Are you someone that’s looking to get rid of credit card debt, maybe I’ll be some help to you and many others? Check out these 4 Ways to Pay Off Credit Card Debt.   Pay Off the Balance with the Highest APR First Get all the statements for…

  • 3 Useful Ways To Save Yourself From Bankruptcy
    Credit,  Money Matters

    3 Useful Ways To Save Yourself From Bankruptcy

    Money can cause so many problems in your life. So often, it comes in with one hand and goes straight out the other. There are so many things that can affect your cash flow. Uncertainty in the economy is a significant factor that may well keep you awake at night. Nobody wants to face a chapter 13 bankruptcy, and you may need to fight very hard to stay on top of your debts. Facing Up to The Problem At Hand One of the main reasons that people fall into severe debt is not accepting the situation. Taking out loan after loan and maxing every line of credit is a sure…

  • 8 Signs Debt Is Becoming A Major Issue
    Credit,  Money Matters

    8 Signs Debt Is Becoming A Major Issue

    It’s fair to say that debt has become normalized in modern society. The statistics back this up: according to CNBC, the average person is carrying around $38,000 in personal debt – a figure that does not include home mortgages – and less than 30% of people can say that they have no debt. As a result of the above, it’s not uncommon for debt to just seem… fairly mundane. Part of life. Not something to be worried about. However, there is a big difference between debt that is controlled and being repaid, and debt that has spiralled into something more and become a Problem, capital P and all. Given the…

  • Awesome Ways to Spring Clean Your Credit Report
    Credit

    Awesome Ways to Spring Clean Your Credit Report

    Spring can be the time to get your financial house in order by examining your Experian® Credit Report to remove any information that might not belong. Perhaps your address has changed. Or there are financial accounts you didn’t open. These are pieces of information you can easily correct through Experian’s Dispute Center. Some Specifics Worth a Sweep: Delinquent payments more than 7 years old. Get ‘em tossed. A bankruptcy more than 10 years. That’s gotta go. Outdated personal information. If a name, address or contact information is incorrect – we can change it. Unfamiliar credit inquires. If you didn’t initiate them, they can be disputed. Correcting your Experian Credit Report…

  • 3 Ways to Help Teens Establish Credit
    Credit,  Family,  Featured,  Money Matters

    3 Helpful and Useful Ways to Help Teens Establish Credit

    As a parent, we all know about credit and how important it is for pretty much everything. From getting a home, job, vehicles and everything else you can think of. Growing up that wasn’t always the case because, quite frankly my parents didn’t team me about it. Honestly, I didn’t know anything about credit until it was too late because I didn’t have any. When I went to get me a car, I heard that having no credit is worse than having bad credit. Now that I’m a parent myself, I don’t want my kids to suffer the same fate. When my son got his first job at 16, my…