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....

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...

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...

Three Proven Ways to Get Out of Debt

Debt has become as much a staple in American society as apple pie or baseball. Many market analyses claim that as many as 80% of...
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...

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...

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...
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...

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...
manage-your-credit

How to Manage Your Credit Effectively (Even While Experiencing Hardship)

When times are tough, it’s easy to just throw all the rules out the window. As you rehabilitate your credit to perhaps buy a home...

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...
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...

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 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...

The Two Main Types of Borrowing

In a perfect world, we could all get through life with the things we need while living a reasonable lifestyle without ever having to...