As 2015 approaches, it’s easy to get caught up in holiday shopping and festivities, often neglecting the importance of maintaining your credit. With increased credit card use during this time, it’s crucial to ensure that the end of 2014 doesn’t negatively impact your credit score in the new year. Here are some important things to…
Statistics from CNBC show that the average American has about $38,000 in personal loan debt. While some people are making progress in paying down this debt, it can still make it tough to get more credit. From a lender’s point of view, adding more debt could lead to defaults. Fortunately, there are ways to still…
There are many rewards credit cards out there, each with its own perks, making it tough to compare them. They offer different types of rewards and have varying rules for earning and redeeming those rewards. Picking the wrong card might mean missing out on benefits and cash rewards. Here are our top 10 recommendations for…
If you’re thinking about pursuing a graduate degree, you’ve probably considered using student loans to help cover the costs. It’s really important to carefully think about whether taking on debt for your education makes sense. First, consider whether a graduate degree is necessary for your career. If it’s not essential, taking on debt might not…
Dealing with credit card debt can be a major stressor for many people. High interest rates and minimal payments can make it feel like you’re getting nowhere. But with the right plan and some smart actions, it’s actually possible to get rid of credit card debt within a year. Even if you’re starting later in…
Believe it or not, your credit score is pretty important. It can affect job opportunities, how much interest you pay on loans, and whether you can even get a loan at all. Since the Great Recession and the housing market crash, getting a loan has become tougher. A FICO score of 650, which used to…
Collecting debt is something most people face at some point in their lives. One of the most stressful parts of being in debt is falling behind on payments. If you’ve ever had to deal with people or companies trying to collect money from you, you know how embarrassing and frustrating it can be. Constant calls…
Credit card debt is a big problem that causes a lot of financial stress for many people. It’s tough to get out of this situation because of high interest rates and only making minimum payments. However, with smart strategies and proactive planning, it’s possible to aim for clearing your credit card debt within a year….