How You Can Get Out of Debt (and Stay Out)

We all carry some form of debt, whether it’s an auto loan, mortgage, or the worst of all, credit card debt.  While student loans and mortgage may carry the lowest interest rates, you still don’t want to be spending your hard-earned money on interest, so the more you can pay down to get out of […]

Ways to Avoid Overspending

Let’s face it, by the time you go through your necessary monthly bills, there’s not much left in the bank account, so every dollar matters when it comes to avoiding overspending and seeing your-hard earned money go out the window.  While of course taking a look at your entire financial picture is important, not to […]

There’s Nothing Wrong With a Credit Card if Used Correctly

Credit cards may have had a bad reputation in the past, giving off the impression that by using one, you don’t have the money to make the purchase.  I suppose that could be true for some, which is why those could end up on a long and hard road down the path of debt, but […]

Costs You Can Cut to Add Up to Easy Savings

If you aren’t careful, you can run through your hard-earned money pretty quickly.  All it takes are some impulse purchases and careless spending and you either find yourself out of money until the next paycheck or see your monthly credit card statement continue to rise.  By first taking a look at last month’s debit or […]

6 Ways Bad Credit Affects Your Life

How a person manages their money affects more than their bank account. It’s easy to ruin your credit in no time, sometimes without even realizing it. If that happens, you may find that many things in life are more difficult. Bad Credit Makes It More Difficult to Get a Loan The most obvious way bad […]

Mistakes You Are Making on Your Food Budget

While spending money on food is a necessity, after all, you need to eat, but it can be one category where it’s easy to overspend.  First, by taking a look at last month’s debit or credit card statement you can add up all of the charges that are related to food, whether that’s at home […]

Easy Ways You Can Save Money Every Month

When it comes to saving money, it sure can take sacrifice, otherwise everyone could do it and have loads of cash in their savings account.  Hoping there is enough money coming in as there is going out is important to ensure that you stay out of debt and risk wasting your hard-earned money on interest […]

Money Moves to Start Making Now to Get Ahead

With so much focus on getting through our everyday hectic life we hope to have more money coming in than going out each month so we don’t fall behind.  That is probably as far out as your financial thoughts go, but in order to really get ahead, it’s time to start thinking beyond that.  By […]

How You Can Ruin Your Credit in No Time

If you have applied for a mortgage, personal loan, or credit card, you know that your credit score is a deciding factor in not only if you are approved for the terms, but also will determine the interest rate.  The better your credit score, the less of an interest rate, so the worse off your […]

Budgeting Tips to Increase Your Financial Awareness

Budgeting will allow you to plan how to spend your money, making it easier for you to have enough cash to cover all your essential monthly expenses. Besides providing a spending plan for your income, a budget will also help you stay out to get out of debt. And if you’re already in debt, then […]