Credit and Debt

Biggest benefits to having multiple credit cards

Many consumers are hesitant to open up multiple cards. They don't want to worry about losing a card, forgetting to make a monthly payment or...
debt agreement

The Basics of the Part IX Debt Agreement

When it comes to the topic of debt, everyone wants to stay well away from it. It can be a sensitive subject and depending...

What to Look for in a Personal Loan (Apart from the...

Of course, the first thing you want to look for when getting a personal loan is the interest rate. However, there are other important...

Your credit card is NOT your emergency fund

There's no need to look at the stats anymore: a lot of people in many countries can barely keep up with their debt, while...

Personal Finance: There is no such thing as ‘good’ debt

Most adults have been in debt or are currently paying off various loans. There's a small percentage of people who have never gone though...
credit score

Lower Mortgage Rates For Lower Credit Score Applicants: A Step-by-Step Guide

If you want to get the best mortgage rates, the very best thing that you can do is to raise your credit score. A...

Credit Check: Three times when your credit score really matters!

How well you do on a credit check can have a drastic effect on your quality of life since credit checks include your credit...

Debt: Ramona’s debt story

I would like to start a new series of articles here on our personal finance blog, in which we all share our debt stories....

The ugly face of debt: working with the banks

Most of us have been or are still paying for various loans. We decided to ask for 'help' to be able to fund a...
car loan

Tips to finding the right car loan for you

Most personal finance blogs (this one included) advise you to make sure you save money for most of your needs. Ideally, even a new/user...

What Are The Biggest Credit Card Mistakes?

The past years have showed us that most of us are still not making the best financial decisions and, given the huge amount of...

Loan Comparison: The Importance of Looking for the Best Loan Options

Almost 10 years ago, I got the first of my only 2 loans: a new computer I'd pay for in 3 years (fixed rates,...

Debt: 11 habits that will always keep you in debt

We don't need any studies (although there are plenty) to show us we're on the wrong path. Most our societies are now built on...

Getting Back on Financial Track After Making a Mistake

There are few worse feelings than those you feel after making a mistake that has the potential to (or already has) decimated your finances. When...
Should I Pay Off My Student Loans Or Invest_

Should I Pay Off My Student Loans Or Invest?

You just graduated college, with a hefty student loan and are now torn between 2 options: to pay off the loan or start investing...