Monthly Archives: March 2023
What To Do If You Are Too Broke To Consolidate Your Debt
If your financial situation is bad enough that you are considering filing for bankruptcy or are in danger of losing valuable assets, such as your house, then you have probably read enough consumer law firm websites to know that the main options for avoiding financial catastrophe are debt settlement, debt consolidation, and bankruptcy protection. … Read More »
The Trouble With PACE Loans
Elementary school students in South Florida do not have to travel very far to appreciate nature in all its splendor. A school field trip to the Everglades costs nothing; you can travel there and back within school hours and still have time to see mangrove trees, anhingas, and more alligators than you can count. … Read More »
A Farewell To BNPL?
Slowly but surely, Americans are breaking bad habits that they developed during the pandemic. Doom scrolling is plenty addictive, but it turns out that the light of day has the same effect on unfounded catastrophic fears as it does on vampires, and the worst-case scenarios that bombard you on your social media feed cannot… Read More »
Delinquency On Credit Cards And Auto Loans Disproportionately Affects Millennials
A recurring theme in the generational rift between Baby Boomers and Millennials is that the generation that is currently approaching retirement age came of age in a time when it was much easier to find full-time jobs with stability and generous benefits than it is now. Furthermore, most of the trappings of middle-class life,… Read More »
Credit Union Car Loans Are An Affordable Option If You Can Qualify For Them
Even as everything becomes more expensive, Floridians depend on their cars as much as ever. Even if you were fortunate enough to stay employed and to work from home throughout the pandemic, it is painful to think about how much you have paid for gasoline during the past three years. If you have bought… Read More »
Debt Consolidation Loans Can Make Your Predatory Loan Debt Disappear
When you are living paycheck to paycheck and struggling to keep up with the monthly minimum payments on your debts, it is easy not to think too much about the details. If you have to pay $200 per month to keep from falling behind on payments on a debt, then you simply pay the… Read More »
How Bad Are The Financial Circumstances Of Floridians?
From a distance, Florida looks like an affordable place to live. The weather never gets cold enough that you have to pay for heating, and parking lots with free parking are plentiful. There are few charming, trendy neighborhoods in downtown urban areas where you don’t need a car but you have to pay an… Read More »
To Pay Down Credit Card Debt, Focus On Persistence, Not Gimmicks
You have made it to the end of January with your New Year’s resolution to pay down as much debt as possible in 2023 still intact. Improving your credit score to qualify for bigger loans and lower interest rates is a long, slow process, however. You read personal finance advice to stay motivated, plus… Read More »
Credit Reporting Agency Predicts An Increase In Credit Card Delinquency In 2023
The economic hardships that have characterized the past three years do not seem to be letting up any time soon, but predicting what will happen next in the economy is an inexact science. Too many unexpected events could cause obstacles or opportunities that neither consumers nor professional economists could have guessed. The credit reporting… Read More »