Debt

The Problem With Payday Advances and Title Loans   The holiday season is fast approaching and, for most of us, that means we are facing higher expenses over the next few months. While some individuals spent the first part of the year saving up to ready themselves for this higher …

Debt forgiveness, either through a government program or an agreement with a creditor, is a valid way to get out of debt and reduce your overall financial burdens. But it’s not all up side; there are some less-than- positive aspects of debt forgiveness that you need to consider before moving …

The debt that you carry from month to month has a cost. You might think the cost is simply the amount of interest you pay, but when you understand both the concepts of opportunity costs and the time value of money, you’ll see just how expensive your debt really is. …

Too often, we think that money management is all about paying bills on time and avoiding late fees on our various debts. But when you have debt, it means that all you’re doing is managing to spend and obligate your future money right now, which isn’t really what you should …

Are you ready for the 2016 holiday season? If you think that’s a typo and we meant to write 2015, think again. The time to prepare for the 2016 holidays is now when the 2015 holidays are almost over and all of the decor and supplies will soon be deeply …

Many people find the process of devoting hours and hours to thinking about money, budget planning, and spending less than enjoyable. If that sounds like you, then use these 10 budget hacks to make budgeting and reaching your financial goals much easier.   Only use cash for spending money. You …

Video games may seem to be a waste of time, but for a lot of people they are a really fun way to waste time. It’s not surprising that cell phones and Facebook have given rise to a whole new group of intense gamers. Games such as Angry Birds, Bejeweled …

Student loans are often seen as an unavoidable fact of life, but sometimes, this unquestioning acceptance leads people to make really bad decisions with loans and borrow much more than they actually need to pay for classes and books. A student loan, like any other loan, is a huge responsibility …

Debt can be a helpful part of establishing your financial future. It can be a necessary step in making an investment in something valuable, such as a home or education, or it can help you successfully get through a temporary hardship with a reasonable fee. But debt, like most things, …

Last time, we talked about grants and tax credits serving as free money for college. Today, we’re going to look at two more ways you can score free money for your education. Scholarships Like grants, scholarships are offered by numerous organizations. A student may qualify for multiple small scholarships, which …