• How Credit Cards Become Debt Traps

    How Credit Cards Become Debt Traps

    It’s estimated that some 60 million American households regularly carry outstanding credit card balances. According to a WalletHub study, the average household’s credit card balance is $8,425. We know what this means: Carrying a balance (meaning you don’t pay off your total amount due every month) incurs interest (meaning...
  • Guidelines for Spending on Your Mortgage

    Guidelines for Spending on Your Mortgage

    So, you’ve decided to take the leap and buy a home. Congratulations! But have you given some thought to what kind of mortgage you can afford? Think about the price of the home as well as the monthly payment you’ll pay to own that home. Banks take your ability...
  • Are You Carrying Too Much Debt?

    Are You Carrying Too Much Debt?

    Do you toss and turn at night worrying about your debt? If so, you’re not alone! From student loans to high credit card balances, carrying too much debt is common in America, which runs on credit. According to a recent Experian consumer debt study, outstanding consumer debt in this...
  • Bill Payment Strategies for Procrastinators

    Bill Payment Strategies for Procrastinators

    From car notes to credit cards, monthly bills can be pretty overwhelming – and unfortunately, curling up in a fetal position and hoping our bills disappear doesn’t work too well. It can be a daunting task to sort out your monthly bills… and even more terrifying to pay them....
  • Advice for Organizing Your Finances

    Advice for Organizing Your Finances

    Do you feel like you have no idea how much money you’re spending each month? Are your credit card statements always a surprise? In short, is your financial life disorganized? It can be extremely stressful to face the unknown every time you balance your checkbook. Lost bills, missed payment...
  • 7 Consequences of Not Paying Your Credit Card

    7 Consequences of Not Paying Your Credit Card

    Month after month, you receive your credit card bill. It’s stressful because you can’t pay it off… and you start to wonder, “What would happen if I just stop sending in payments?” If you’ve ever been in this situation, read on! The short answer is that a lot of...
  • 4 Ways to Stop Living Paycheck-to-Paycheck

    4 Ways to Stop Living Paycheck-to-Paycheck

    Have you ever considered what would happen if you didn’t receive your next paycheck? Would this jeopardize your home, or make it difficult to buy essentials? This can be a terrifying thought – especially if you’re among the 78% of American households living paycheck-to-paycheck. Fortunately, there are steps you...
  • 5 Simple Cuts to Curb Your Spending

    5 Simple Cuts to Curb Your Spending

    Living paycheck-to-paycheck is all too common. In fact, recent data indicate that three-fourths of American workers with salaries of $50,000 or less rely on each paycheck to make ends meet. If you’re part of this (very large) group, chances are good that you’re also struggling with debt. To make...
  • new to credit cards? Here's what you need to know

    New to Credit Cards? Here’s What You Need to Know!

    Did you just open your first credit card account? Congratulations! There’s a lot to know about savvy credit card use. Unfortunately, the best place to learn what you need to know so you can protect your financial future isn’t always your credit card company. Here are four important things...
  • Closing a Credit Card? What You Should Know

    Closing a Credit Card? What You Should Know

    Are you considering closing a credit card? Whether you’re trying to curb your credit card spending, feel you have too many credit cards that you never use, keep an account open even though it doesn’t fit your lifestyle anymore, or another valid reason, there are some important things to...