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This tip works more on a psychological level to limit excess spending more than anything else. Either way, limiting your credit card spending is a great start to building stronger money management skills. If you’ve been shopping around online, you’ve more than likely noticed the trend of websites asking for Read more…
It’s the oldest trick in the book. Credit card companies and banks offer you great deals on loans that have extremely affordable monthly payments. However, you should really be looking at the interest and the number of payments you’ll have to make. More often than not, you’ll find paying the Read more…
It’s easy for websites to say “Pay of your debt by . . . well, by paying it off.” However, this isn’t helpful for people that find themselves with no extra income, after rent and groceries, to spend on their debt. Living from paycheck-to-paycheck is the reality of many Americans Read more…
Yes, you read that correctly. You can actually negotiate lower interest rates with your credit card company or bank. It’s all in how you handle the situation though, that could land you better monthly rates. You have to consider the investment on their end. They gave you a certain amount Read more…
Freezing your credit cards is a great method for keeping identity thieves at bay. For a small fee, you can essentially prevent anyone from looking up your credit information and subsequently render access to loans, mortgages, and general use impossible. While this is a good idea to keep thieves from Read more…
Many people find themselves reading about the debt snowball method of reducing debt when doing online research. The question you’re probably asking yourself is “Does this actually work?” The short answer is yes. The snowball method has many benefits and practical applications. In a sense, you simply pay off your Read more…
You might have heard of Oprah’s take on debt management, the debt diet strategy. In it, she describes a systematic way to go down few sizes on your metaphorical debt waist. Oprah gets down to the bare essentials of your financial problems with a series of tips and tricks that Read more…
The government is probably your best friend when it comes to receiving debt help, especially if you have student loans. They offer a variety of websites dedicated to giving you helpful tips and advice on certain policies that will help you eliminate your debt. They also help people that meet Read more…
It’s a simple idea, but the impact could be extremely meaningful for you in your everyday life. If you think about it carefully, the psychology is simple too. You go into a store you pick out a few items then swipe a card. You think nothing of it until you Read more…