Category Archives: Debt
Early Repayment of Personal Loans
If you are worried about whether it is a good idea or a bad idea to pay off your personal loan early, count your blessings. Most people only wish they could be in your situation. If your dilemma is whether to repay your personal loan before it matures, it means that you reasonably believe… Read More »
Moving On From a Disastrous Business Venture
Most business projects never become profitable. If anything, the statistic that most small businesses are no longer in operation by their fifth anniversary presents an unrealistically rosy picture. Many business ventures do not even make it to their first day of opening for business. If your most recent entrepreneurship project was over before it… Read More »
Side Gigs Aren’t Just for Ambitious People Anymore
A few years ago, throwing shade on hustle culture was all the rage. The Internet was abuzz with talk of self-care, quit lit, and the Great Resignation. These days, the idea of choosing not to work and still having enough money for essentials is laughable. Somewhere tonight, a mother is pushing a stroller down… Read More »
Would You Open a Bank Account With a Friend?
In an age of unrelenting financial woes, when content creators are out of ideas, kids are entertained by AI-generated brain rot memes, and adults keep clicking on a feedback loop of content about how bots are taking all our jobs, a wondrous thing has happened. After decades, perhaps centuries, of increasing alienation, people are… Read More »
What To Know About Credit Card Refinancing
When people explain building credit to children, they usually describe it as borrowing money and paying it back little by little. There is a lot more to loans than that, though. First, most loans accrue compound interest, and this means that, by the time you have repaid the loan in full, the amount you… Read More »
Bad Credit Loans
In the 17th century, a French Jesuit was exploring the North American wilderness and keeping a diary about his experiences. One day, he saw a creature so beautiful that he devoted several paragraphs to its description, most notably its shiny black coat and the pristine white stripe down its back. The last paragraph of… Read More »
What to Do With an Extra Paycheck
When financial stress has been part of your life so long that it has caused epigenetic changes that you can pass down to your children, your dreams, both when you are asleep and when you are awake, are about scenarios even worse than your current reality. If you missed a credit card payment, then… Read More »
Debt Repayment Apps: Friend or Foe?
These days, there are phone apps for everything. Everywhere that you shop frequently has its own app, which offers you coupons to entice you to shop there more frequently. There are apps for tracking your favorite fixations, whether it is exercise or horoscopes. In the old days, you used to have to navigate to… Read More »
Debt Relief Quick Fixes That Won’t Tank Your Credit Score
There is a reason that people think of filing for bankruptcy protection as a measure of last resort. Even though it can make your debts disappear quickly, it leaves an ugly stain on your credit report that lasts for up to ten years. Therefore, unless you have exhausted all your other options, you should… Read More »
Do You Qualify for Credit Card Debt Forgiveness?
When you are struggling with debt, then the names of the options for getting out of your situation blur together. You have a point if you think that debt consolidation, debt settlement, credit counseling, debt restructuring, and filing for bankruptcy protection sound like they are more alike than different. They sound even more alike… Read More »