Recent Blog Posts
How to Get Out of Debt When You Are Already Frugal
The first step to paying off your debts is to have an income, and you can happily report that your job gives you a paycheck every month, or perhaps even more frequently than that. Of course, much of your income goes to recurring, emergency, or incidental expenses. Therefore, the next step to getting out… Read More »
Mistakes That Get High Income Employees Into Debt
You might not feel rich, but you are in a better financial position than a lot of other people. You know you are rich if you have achieved your weight loss goals because you could afford the foods and supplements required to stick to a restrictive diet, because your health insurance paid for your… Read More »
What Can You Not Pay for With a Credit Card?
You know you are old if you can remember a time when food trucks, kiosks, and neighborhood restaurants only accepted payment in cash. Today, these small businesses, as well as other low tech business ventures such as dry cleaners, laundromats, and car washes, often accept payment by card or Apple Pay. You know you… Read More »
Is Vehicle Depreciation Good or Bad?
You base most of your financial decisions on the purchase price of the item you are buying. If it is a major purchase that you must pay for in installments, then you also think about how much you will have to pay for each monthly installment. Most of the time, we don’t give much… Read More »
Who’s Afraid of Captive Finance?
If you think the factors that determine your credit score are complicated, wait until you try to figure out all the moving parts that determine how much you pay for a loan. It is not only about your credit score, although that plays a role in setting the interest rate for the loan. Meanwhile,… Read More »
Does Co-Signing for a Family Member’s Car Loan Ruin Your Finances?
When a wealthy person gives an entrepreneur a gift of money for a business venture and asks for nothing in return unless the business project becomes profitable, it is called being an angel investor. If the 99 percent had angel investors to bail them out of current and future financial problems, debt relief lawyers… Read More »
Brace Yourself If You Are Trying to Get Your Finances in Order So You Can Apply for a Home Mortgage Loan
It is not just your imagination that it is a long process for applying for pre-approval for a home mortgage loan to actually closing on the purchase of the house and signing the loan agreement. Before you can settle into your new home and your new set of worries about keeping up with your… Read More »
Toyota Pays $60 Million Settlement to Consumers to Whom It Charged Unfair Fees
It is common knowledge that the worse your financial situation is, the less buying a car improves it. If your budget for buying a car is in the triple digits, then you are stuck buying a jalopy that is older than you are from a friend of a friend or purchasing a vehicle with… Read More »
BNPL Holiday Shopping Trends
When you are a child, the holidays are pure joy except when you notice how grumpy and worried the adults around you seem. When you are grown up, the holiday gloom makes a lot more sense. Being broke is no fun, no matter the weather, but it is even worse during the holidays, when… Read More »
Getting the Right Personal Loan Takes Strategy, Patience, and Luck
One of the symptoms of financial long COVID is that most of the pieces of mail that arrive in your mailbox are either bills and past due notices or advertisements for personal loans. At certain times of year, there might be the occasional holiday greeting card in the mix, but other than that, everything… Read More »