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Category Archives: Debt

Debt9

Beware of Earned Wage Access

By Nowack & Olson, PLLC |

If you have ever taken out a payday loan in person, you would choose almost any other way of borrowing money, if it were available to you.  Anything is better than taking a long bus ride when you are exhausted after work and then walking to a poorly lit strip mall with bright neon… Read More »

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BankrLaw

Paying Down Your Debts One Day at a Time

By Nowack & Olson, PLLC |

Getting out of debt is a marathon, not a sprint.  The only way to pay off your debts all at once is to receive a windfall such as a lottery win or an inheritance, or else to take out a debt consolidation loan.  The first only happens if you are extraordinarily lucky, and only… Read More »

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Budget

Budgeting Out Loud Is a Prosocial Way to Get Out of Debt

By Nowack & Olson, PLLC |

Being broke is lonely, but it doesn’t have to be.  Most of us are living paycheck to paycheck, but hardly anyone talks about it.  Somehow, it is more socially acceptable to talk about the big splurges that you wish you could afford than about the instant ramen noodles that await you after the long… Read More »

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CashInHand

How Can Young People Help Their Families Build Generational Wealth?

By Nowack & Olson, PLLC |

Some people start thinking about building generational wealth when their children are born or when they start to think seriously about having children.  They stress about providing a financial cushion so that their children can have an easier time getting established financially as adults and, simply, to grow up in an environment where financial… Read More »

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TaxPrepFile

What to Do If You Can’t Pay Your Taxes by Tax Day

By Nowack & Olson, PLLC |

No one really looks forward to Tax Day.  It is with Schadenfreude that we watch judges threaten celebrities with jail time after the celebrities fail to fulfill their millions of dollars of tax obligations.  Being one of the lucky few who get a tax refund is a double-edged sword.  It means that you are… Read More »

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CreditCardDebtHand

3 Middle Class Debt Traps

By Nowack & Olson, PLLC |

If you are living paycheck to paycheck on a household income of more than $100,000, you are in a better financial position than many.  It certainly beats having a lower household income and not even being able to keep up with your bills.  The reason that so many gainfully employed people find their entire… Read More »

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DebtWallet

How Dismal Is the Debt Situation in Florida?

By Nowack & Olson, PLLC |

You’re broke, and so is everyone you know.  Everyone is in debt, whether they earn an hourly wage automatically transferred to a debit card because they can’t afford to open a bank account or whether they earn upwards of $100,000 per year, but every month’s salary goes to bills and installment payments on debts… Read More »

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Bills

The 50/30/20 Budget Rule Is the Epitome of Aspirational Claptrap

By Nowack & Olson, PLLC |

Making a budget is one of the most popular New Year’s resolutions.  Tracking your spending and then deciding to stick to certain spending patterns can help you avoid impulse purchases paid for out of your own funds or on credit.  It is possible to cancel some of your content subscriptions or to resolve to… Read More »

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Bank13

3 Practical Financial New Year’s Resolutions for 2024

By Nowack & Olson, PLLC |

Most New Year’s resolutions focus on improving your health or finances, and in both of these areas, it is easy to set unrealistic goals that leave you feeling physically, emotionally, and financially worse than you felt before the new year started.  Sometimes it is best to start small.  Think back on a New Year’s… Read More »

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SaveMoney

Top Personal Finance Goals for Folks Under 40 and How to Achieve Them on a Modest Income

By Nowack & Olson, PLLC |

In 2024, most personal finance advice from the era in which old people read blogs instead of physical newspapers sounds out of date.  An increasing number of high schools offer classes in personal finance, and the premise that you should keep track of your spending and spend less than you earn still holds true,… Read More »

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