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Which Side Hustle Is the Right Fit for You?

By Jackie Lam | 6/23/2019

In our era of the side hustle, there’s certainly no dearth of ways to earn an extra buck. However, you might find yourself paralyzed by all the options. Which side hustle is right for you? And how can you begin? Here are some pointers to help you decide:

How FIRE Can Reinvent Your Finances (Even If You Don’t Plan to Retire Early)

By Louis DeNicola | 6/19/2019

The FIRE (financial independence, retire early) method stresses cutting your expenses and investing as much money as possible in order to stop working much earlier in life. FIRE techniques can be extreme, but you don't have to plan on retiring in your 30s to benefit from understanding the method.

Beware of these Financial Scams That Target the Elderly

By Jackie Lam | 6/17/2019

Scams targeting the elderly are rampant and come in many shapes and sizes. Here are just a few of the most popular examples, with tips on how to avoid falling victim.

Why You Should Budget Weekly, Not Monthly

By Jackie Lam | 6/11/2019

In many ways creating a budget is like jotting down a to-do list for your money. It’s far easier to create a to-do list for each day or week than it is per month. Plus, your recurring bills are due at different times each month. Here’s how to go about budgeting weekly, not monthly:

How To Offer Financial Support To Retiring Parents

By Louis DeNicola | 6/10/2019

Study after study shows the same thing — many Americans haven’t saved enough for retirement. There’s a good chance one of those underfunded retirees is your parent. If that's the case, the next step may be figuring out how to offer assistance. Here's how to approach that potentially tricky subject.

More Changes to Debt Collection Could Be on the Way

By Jesse Campbell | 6/5/2019

The Consumer Financial Protection Bureau (CFPB) recently issued a proposal that could be good news for anyone dealing overdue or charged off debt. Here are the key features of the proposal:

How to Travel on a Retirement Budget

By Jackie Lam | 6/3/2019

Now that you’ve entered your golden years and are officially a retiree, you might be ready to knock items off your travel bucket list and see the world. But first, you’ll need to make sure your wallet can handle it. Here's how to be budget-conscious globetrotter during retirement:

How to Give Yourself a Mid-Year Financial Check-In

By Jackie Lam | 5/27/2019

Summer is the perfect time to review your finances to make sure your bases are covered. In turn, it’ll help you stay on track with your money goals. Here’s what to review during your mid-year financial check-in.

5 Tips for Managing Student Loans During Retirement

By Louis DeNicola | 5/22/2019

Student loans can follow you for decades - even into retirement. Carrying that student debt into your seniors years can have major consequences for your finances, but there's a lot you can do to prepare yourself and avoid major pitfalls.

How to Stay Out of Credit Card Debt for Good

By Jackie Lam | 5/21/2019

It may not be possible to completely avoid debt - things may just happen that are out of your control. But, by understanding the most common reasons people fall into credit card debt, you can take steps to avoid racking up unwanted debt.

Happy Birthday! 6 Tax Breaks and Benefits For The 50-Plus Crowd

By Louis DeNicola | 5/15/2019

Once you’re a quinquagenarian (i.e., 50 or older), certain birthdays can be especially important because they usher in changes to your financial opportunities and benefits. Whether you’re about to retire or already passed that point and looking to learn more, here are a few of the important changes that come with age.

Eight Ways to Measure (and Improve) Your Financial Health

By Jackie Lam | 5/13/2019

The basic tenets of financial wellness are simple — spend less than you earn, save what you can, invest the rest, and protect your assets. However, applying these principles to our everyday lives is an entirely different story. Here are tips on improving your financial health, one area at a time.

Here’s What Happens When You’re Sued By a Creditor

By Jesse Campbell | 5/8/2019

If you've ever had a debt that you simply couldn't pay, you may have asked yourself, "Will I get sued for this?" While creditors don't always use the courts to collect on debts, they can, and it's important to understand what that process looks like so you can prepare yourself. Here's what you need to know.

Best Streaming Services for the Money

By Jackie Lam | 5/6/2019

After a long day at work, you might just want to plop on your couch and bliss out on a TV or music binge. With the number of streaming services out there, which one might you enjoy the most? And which ones will give you the most bang for the buck? Here are the best streaming services for your money:

Workplace Financial Wellness Programs: Get Started with These Questions

By Amy Lins | 5/3/2019

As a human resource professional, you understand that holistic employee wellness benefits result in positive outcomes — financially and emotionally — for both employers and employees. You’ve done the research and you’re ready to start a financial wellness program, but you’re not sure where to start. Here's what you need to know.

How to Sell Your Car and Get the Best Deal

By Louis DeNicola | 5/1/2019

You're ready to buy a new car, but your old car is still in good shape. Should you trade it in or sell it yourself? Here's what you need to know about getting the best deal for your old car.

How to Earn Money from Spring Cleaning

By Jackie Lam | 4/29/2019

Spring cleaning is an opportune time to “shop in your closet” and uncover forgotten boxes of belongings. While you’re sorting through your items and deliberating over what to keep and what to nix, might as well make some money along the way. Here’s how to monetize your spring cleaning, and turn your clutter into cash:

How Retirement Changes Your Taxes (and How to Prepare Yourself)

By Louis DeNicola | 4/24/2019

Tax planning is an all-year endeavor and if you’ve recently retired, or are nearing retirement, you’ll want to learn about some of the significant tax implications that may be in store. Here's what you need to know to be prepared, avoid costly mistakes, and make the most of your money.

Everything You Need to Know About Medical Debt

By Jackie Lam | 4/22/2019

Two-thirds of bankruptcies in the United States are caused, at least in part, by medical debt, while one in five Americans report that medical bills have caused severe financial issues in the past year. With that in mind, here are all the most important things you should know about medical debt.

Best Mobile Payment Apps

By Jackie Lam | 4/17/2019

Apps and online money platforms make it easier than ever to transfer money to friends and family. All you need to do is link an account to the app and you can transfer money to instantly split that bar tab or Netflix bill. Whether it’s a more formal transaction or reimbursing a friend back for a meal, what’s the best money-transfer app for you?

How Much Equity Do You Need to Qualify for a Reverse Mortgage?

By Jesse Campbell | 4/14/2019

A reverse mortgage is a lending product that allows borrowers aged 62 and older to borrow against the equity in their home without having to make payments until the borrower and any non-borrowing spouse has left the house. But exactly how much equity do you have to have in your home in order to qualify ? Here’s what you need to know.

What HR Professionals Need to Know About Organizational Financial Wellness

By Amy Lins | 4/11/2019

Most organizations try to prioritize employee wellness and understand that holistic employee benefits are important to prevent turnover. But unfortunately, most of us are missing a crucial ingredient: financial wellness. When it’s done correctly, organizational financial wellness options benefit both the employer and individual employees. Here’s why it’s important for your organization to prioritize employees’ financial wellbeing.

Maximizing the Return on Your Tax Refund

By Jackie Lam | 4/10/2019

If Uncle Sam is cutting you a tax refund check this year, what’s the best use of that small windfall? If you’re feeling paralyzed by the dizzying bounty of choices, here is a simple set of guidelines to help you decide how to make the absolute most of refund:

How to Keep Your Insurance Premiums Down After an Accident

By Jackie Lam | 4/8/2019

On average, a car accident can spike your annual insurance premiums by nearly $450. On a tight budget that kind of increase can be devastating. If your insurance rates have risen following an accident, try these steps to bring your costs back to normal.

What Can You Do If Your Wages Are Being Garnished?

By Louis DeNicola | 4/4/2019

If you’ve fallen behind on bill payments, your employer might start taking money directly out of your paycheck and sending it off to repay your creditors or collection agencies. This process is called wage garnishment or wage attachment. You have rights and may be able to find a way to lessen or stop the garnishment. Here's how.

Don't Panic: It’s Okay if Your Tax Refund is Lower Than Expected

By Jim Triggs | 3/29/2019

According to the IRS, refunds are about 9% lower this year compared to refunds in 2018. Whether you owe money to the IRS this year or received a smaller refund than you expected, it’s okay to panic, but you don’t need to despair. Here’s why it’s okay if your tax refund is lower than expected.

Beyond Your 401(k): What to Consider When Preparing for Retirement

By Jackie Lam | 3/27/2019

Beyond one’s actual retirement savings, what financial considerations do seniors need to think about as they’re about to transition into retirement? For those preparing for their golden years, here’s what to prepare for - including some items you may never have considered before:

How to Prevent Old Debts from Coming Back to Life

By Jesse Campbell | 3/25/2019

Your state's statutes of limitations on debt protect you against legal action for unpaid debts after a certain number of years, but unscrupulous debt collectors can still try to trick you into paying on those old debts. Here's what to watch out for and how to protect yourself.

When Is Social Security Taxable and How Much Do You Have to Pay?

By Louis DeNicola | 3/19/2019

Up to 85 percent of your Social Security benefits may be taxable, depending on your total income. Knowing the income limits and rules can help you decide when to start taking Social Security benefits, predict the impact of taking on extra work, and help you estimate your income taxes for the year.

Pro Tips for Negotiating the Price on Your Dream House

By Jackie Lam | 3/18/2019

Whether you’re haggling for some dinnerware at a swap meet or asking for a more competitive job offer, the art of bargaining is a nuanced one. But buying a house is a lot more complicated, and you can never be too prepared. Here are some tactics on negotiating for your dream house.

Wedding Experts Share Their Favorite Wedding Hacks

By Emilie Burke | 3/13/2019

Weddings are a great way to start your newly married life in debt. Luckily there are a ton of clever ways to save cash and still have the wedding of your dreams. Let these top wedding planners show you how it's done.

What Property Owners Need to Know about Debt and Natural Disasters

By Jackie Lam | 3/11/2019

If you still owe a lot of money on a major asset, such as a house or car, and it gets destroyed from a major natural disaster, will your insurance company pay for it? The short answer is that it depends on the type of natural disaster, and how much coverage you purchased.

Best Tax Prep Software and Apps

By Jackie Lam | 3/6/2019

You may already be in store for an even smaller refund this year, so if you haven't already been using online tax preparation software, now may be the time to start. But which option to choose? We've got you covered - here are our favorite tax prep programs, what they cost, and what they do for you.

Get a Smaller Refund than You Expected? It May Be Time to Update Your Form W-4

By Louis DeNicola | 3/3/2019

The new tax bill that into effect for the 2018 tax year made significant changes to the tax code. As a result, some Americans are getting a smaller tax refund than in previous years, and others are owing money when they expected to get money back. If you’d like to change your refund for next year, you'll want to update your Form W-4s with your employers.

Popular Scams Military Families Should Be On Alert For

By Emilie Burke | 2/27/2019

Scams are everywhere, and unfortunately, one of the groups that is most often targeted by scammers is military families. Here's what you need to know about some of the most popular scams directed at military families and how to prevent them.

Study Reveals Key Financial Trends in Hispanic Households

By Jackie Lam | 2/25/2019

A recent study offers some valuable insight into the unique ways that Hispanic households interact with money - both the good and the bad. Learn about the top trends and what changes Hispanic families may want to make in order to better maximize their finances.

When Will This Fall Off My Credit Report?

By Jackie Lam | 2/20/2019

Getting your head around exactly how credit works can be intimidating. Not to worry. We got you covered. In this post, we’ll give a rundown of what goes on a credit report, how long each piece of information stays there, and how it might impact you:

How to Get Your Taxes Prepared and Filed for Free

By Louis DeNicola | 2/18/2019

You may have already seen the headlines or heard from friends — some people are getting smaller refunds this year. It could be too late to change your tax situation. But, you may be able to avoid spending extra money to prepare and file your return.

Best Low-Cost Apps to Help You Save

By Jackie Lam | 2/12/2019

In our booming age of financial technology, there’s no shortage of apps to help you with your money. If you're looking for a fun and simple way to use technology to help build your savings, we've got you covered. These are our favorite low-cost apps for saving money.

Best Options for Sending Money Internationally

By Emilie Burke | 2/11/2019

If you’re working in the United States and sending some of your pay back home to your family in another country, it can be a challenge. If you're looking for a way to send cash abroad, here are some of your best options.

How to Avoid Burning Through Your Retirement Funds Too Quickly

By Emilie Burke | 2/5/2019

Being able to retire early is a dream come true. But if you’re not careful, you might find yourself running out of money as time goes on, when you really need it and are unable to go back to work.

How Military Servicemembers Can Make the Most of Their Financial Perks

By Jackie Lam | 2/4/2019

Military life can come with certain sacrifices. It also comes with a lot of perks and bonuses. If you’re in the service, the key is making the most of those perks in order to boost your finances.

Best apps for beginner investors

By Jackie Lam | 1/31/2019

Investing is a powerful way to grow your money, but it can certainly be intimidating. There’s so much to learn, not to mention you’ll need to free up some funds. And that’s certainly a tall order when you’re already feeling squeezed. Thankfully there are a few great apps out there to help you get started.

How to negotiate your own debt settlement

By Louis DeNicola | 1/29/2019

If you feel like you’re drowning in debt, the idea of settling for less money than you owe can be appealing. You could hire a debt settlement company that will work on your behalf to negotiate settlements with your creditors, or you could just do it yourself. If you're thinking about DIY debt settlement here's what you need to know.

What to Do When Debt Collectors Try to Collect a Debt that Isn't Yours

By Emilie Burke | 1/23/2019

There can be a number of reasons why a debt collector may come after you for a debt that isn’t yours. Whatever the reason, however, there are several things you need to do when you’re told you owe a debt that isn’t yours.

How to Bolster Your Income In Your 50s

By Jackie Lam | 1/21/2019

We’re living longer, but we don’t have enough saved for retirement. A longer life means you’ll have to factor in higher costs for long-term care and medical expenses. Need an infusion of cash to hit your savings goals? Here are a handful of tactics to boost your income if you’re 50 and over.

Tips for Managing Money During a Work Stoppage

By Jesse Campbell | 1/16/2019

If you are impacted by a significant work stoppage, there are things you can do to keep the damage to a minimum, while focusing on the things that matter most to you and your family. Here are a few expert tips to help you through a potentially trying time.

How the Servicemembers Civil Relief Act can help military families get out of debt

By Emilie Burke | 1/13/2019

Digging yourself out from debt can be overwhelming, but if you’re a military servicemember, there’s help in the form of the Servicemembers Civil Relief Act (SCRA), which provides a number of valuable protections for you and your finances. Here are some of the most important ways the SCRA can be used to help military families.

Can You Ever Go to Jail Over Credit Card Debt?

By Emilie Burke | 1/8/2019

If you’re dealing with unpaid credit card debt, you might be getting phone calls from collection agencies. And those debt collectors may be using aggressive tactics to scare you into paying, including threatening jail time. But can you really go to jail over credit card debt?

How to Pay Off Debt with Inconsistent Income

By Jackie Lam | 1/6/2019

Paying off debt is hard enough, but it only gets harder when you’ve got an income that fluctuates up and down. No need to despair. Debt repayment is entirely possible, even if you’re living on inconsistent income. You’ll just need to get creative and go a different route.

Best Free Money Management Apps

By Jackie Lam | 1/2/2019

If you’re trying to stay on top of your finances, you’ll definitely want to use a money management app. Here are some of our top picks for the best free tools to tend to your moola, and what we love about them.

Free and Low Cost Fitness Ideas to Jump Start Your New Year’s Resolution

By Emilie Burke | 1/1/2019

Before you commit your time and money to a gym, check out the options that are free or inexpensive that you can do right from your own home.

Prepare your 2019 finances with this post-christmas checklist

By Emilie Burke | 12/27/2018

If you didn’t put money aside for Christmas spending this year, or you overspent your budget, you may be feeling a pinch right now. The holiday season is the time of year when most people spend more than they planned. Here are some things to consider in order to get your finances back on track as you head into 2019:

How to Win Your Post-Holiday Shopping

By Emilie Burke | 12/26/2018

If you’re a post-holiday shopper, this is your favorite shopping time of the year. In fact, many people start shopping for next holiday season! But how do you make sure you get the best deals possible so that you can win your post-holiday shopping? Here's how:

Can Credit Card Debt Affect Your Tax Return?

By Emilie Burke | 12/18/2018

Credit card debt can have an affect on your credit rating, but what about your tax return? Will you be able to get your refund if you have an account in collections? What about settling a debt? Will there be any tax consequences? Here's what you need to know.

Saving for Retirement Just Got a Little Easier

By Emilie Burke | 12/14/2018

The new retirement contribution limits have been released for 2019 by the IRS and the news is good. Here's what you need to know.

Low-Risk Ways to Start Investing Your Money

By Emilie Burke | 12/11/2018

Savings accounts can only earn you so much. In order to grow your money, you're eventually going to need to jump into the world of investing. Luckily there are plenty of low-risk options for first-time investors. Here are some of your best bets if you're looking to make that first leap into investment.

New to Country? How An International Credit Profile Can Help Foreign-Born Consumers

By Jackie Lam | 12/10/2018

If you’re new to the U.S., a major hurdle you’re probably facing is establishing credit. That's because you aren’t able to take your credit history with you when you move to another country. Here's how you can fix that by accessing a global credit profile that recognizes all the hard work you've already done.

The Holidays are Here and You Have Nothing Saved

By Emilie Burke | 12/7/2018

The holidays are the most expensive time of the year. But what do you do if you still have gifts to give, but nothing saved to buy them with? Don’t despair, there are still plenty of options that are either very inexpensive or completely free!

What Can You Do If Your Landlord Won’t Return Your Security Deposit?

By Louis DeNicola | 12/4/2018

You’re counting on getting your entire security deposit back when you move out of a rental. After all, you cleaned the place thoroughly and were a responsible tenant. But what if you did everything right and the landlord still won’t return your money? Here’s what you need to do.

What to Do When Your Ex Spoils Your Kids During the Holidays

By Emilie Burke | 12/2/2018

Getting through the holidays as a parent can be tough enough, but it’s even more difficult when your ex is spoiling your kids with extravagant gifts they can afford and you can’t. Here are a few tips for dealing with this very unique kind of holiday stress.

How Student Loan Debt Impacts Your Credit Score

By Emilie Burke | 11/28/2018

A student loan can have both positive and negative effects on your credit score, depending on whether or not you keep up with your payments. And it affects your credit score differently from credit card debt or other loans.

Five Clever Ways to Prepare for the Unexpected

By Louis DeNicola | 11/26/2018

While you certainly shouldn’t give up on building an emergency fund, here are five alternative ideas for creating financial security — or, at least, a small buffer in case things go wrong.

Which Online Shaving Retailer Saves You the Most?

By Emilie Burke | 11/19/2018

For something that you continually throw away and purchase again, razor blades are expensive. Many drugstores even keep them in a locked case. Shave clubs make it easier, and less expensive, to replenish your supply, but which offers the best service at the best price?

Avoid these Credit Mistakes When You’re About to Buy a House

By Emilie Burke | 11/17/2018

Buying a new house can be an exciting time, but if you don’t protect your credit while making this huge financial commitment, you can end up paying more than you should. When it comes to buying a house, here are the credit mistakes you need to avoid.

Is There a Statute of Limitations on Medical Debt?

By Emilie Burke | 11/14/2018

If you’ve ever been uninsured, under-insured, or had a high co-pay that you couldn’t afford, you may be faced with some medical debt. But what happens if you just don’t pay it? Does it ever go away?

Holiday Financing Options: Layaway vs. Credit Cards

By Louis DeNicola | 11/12/2018

You can finance holiday shopping in several ways, but two of the most common are buying gifts with layaway or using a credit card and paying off the bill over time. There are different pros, cons, and costs associated with either option.

Community and Nonprofit Resources for a Happy Thanksgiving

By Emilie Burke | 11/10/2018

There are a variety of organizations that provide free help and meals to those in need during the holidays. Here are some of the best resources for finding help with your Thanksgiving meal.

Debt Collectors Accused of Inflating Delinquent Balances

By Jesse Campbell | 11/7/2018

A recent case filed by the Federal Trade Commission (FTC) and the New York Attorney General has shed light on a predatory debt collection practice consumers should keep an eye out for.

Important expenses that slip through your budget

By Emilie Burke | 11/5/2018

You’ve worked hard to create a budget you can live with. One that includes all of your monthly living expenses as well as money for savings and going out. So why do you fall short of your budget every few months?

This Holiday Consider #ShopMilitary

By Emilie Burke | 11/2/2018

With the holidays rapidly approaching, you may be feeling pressure to think about gift-giving. Budgeting for the holidays is best started early. How you spend your money this holiday season matters; why not spend it in a way that makes a difference?

ABLE Accounts Can Give People Living with Disabilities More Financial Options

By Louis DeNicola | 10/30/2018

While a temporary or permanent disability can lead to physical and financial challenges, a tax-advantaged ABLE account could give you, or a loved one, more options when it comes to managing money.

How to Evaluate a Credit Card Offer

By Jackie Lam | 10/29/18

We all can relate to how receiving a pre-approved credit card offer is ever-so-tempting. But instead of signing up right away, you might want to hit the pause button and make sure it’s the right one for you.

What Does FICO’s New Credit Scoring Model Mean for You?

By Jesse Campbell | 10/24/18

The Fair Isaac Co. (FICO) recently announced a new scoring model – the UltraFICO score – will roll out in 2019, and will drastically change how consumer creditworthiness is determined. So what is UltraFICO and what changes does it promise?

Worst Things to Buy on Credit

By Emilie Burke | 10/23/2018

Credit cards can be good for several kinds of purchases. Using them for travel expenses helps you earn points or cash back incentives, for example. But there are certain things you shouldn’t use credit cards for.

9 Personal Finance Experts Share 10 Free Debt Advice Tips

By Louis DeNicola | 10/16/2018

Paying off debt can be a tedious and painful process. But it is possible, and there are ways to speed things up and sometimes make it a little fun (really).

Mistakes to Avoid When Negotiating a Raise

By Emilie Burke | 10/15/2018

Asking for a raise can be a touchy subject with employers and if you don’t approach it the right way, you can kiss your bigger paycheck goodbye.

No Cost Halloween Ideas

By Emilie Burke | 10/12/2018

Between costumes, decorations, and candy, Halloween can be expensive. But it doesn’t have to be. There are some great ways to decorate and create costumes out of items you have lying around the house.

How to Repay Your Credit Cards with a Debt Management Plan

By Taylor Milam | 10/11/2018

Credit card debt can be particularly stressful thanks to high interest rate and late fees, and it may feel like you’re not making any real progress on your credit card debt. But here’s the deal—a debt management plan might be the solution you’ve been searching for.

Nonprofits to Help Support Transitioning Veterans

By Emilie Burke | 10/10/2018

Trying to navigate post-military life on your own can be confusing and frustrating to say the least. But don’t worry, there are plenty of helpful nonprofit organizations that can successfully help you transition into your new world.

Avoid these Common Holiday Season Money Mistakes

By Emilie Burke | 10/5/2018

The holiday season is one of the most stressful and challenging times of the year when it comes to money. With gifts and decorations to buy, large meals to plan, travel, and events there always seems to be something to spend money on. This year, avoid debt by avoiding these common holiday season money mistakes.

3 Options if You Don’t Qualify for a Low-Cost Debt Consolidation

By Louis DeNicola | 10/4/2018

Consolidating your debts—taking out a new loan or credit line to pay off multiple debts—can offer several potential benefits. However, if you have a poor credit score or modest income, it can be difficult to get a balance transfer credit card or a low-rate loan.

How to Locate and Correct Errors on Your Credit Report

By Taylor Milam | 10/1/2018

If you notice an error on your credit report, it’s a good idea to take action and report it. If they are are not reported, errors on your credit report can have long-term effects on your credit.

How Do i manage debt when i'm retired?

By Emilie Burke | 9/29/2018

Dealing with debt in retirement lowers your chance of being able to pay it off and can also put a strain on your limited income. Here are a few ways to manage debt when you’re retired:

How to talk to your partner about their spending

By Emilie Burke | 9/28/2018

If you’re a saver and your partner is a spender, you’ve probably had a few arguments about money. Everything from spending habits to financial goals can cause conflict if you’re not on the same page.

New credit changes impact student loans, veterans, and more

By Louis DeNicola | 9/24/2018

A few important, consumer-friendly changes are coming to the world of credit. Here's a quick overview of the changes, why they're important, and how they could impact you.

Save money by joining a co-op

By Emilie Burke | 9/23/2018

Joining a co-op is a great way to cut expenses and save money. There are a variety of co-ops you can join, or start one yourself. Here are a few ways you can reduce your expenses by joining a co-op.

How do I manage debt when I'm unemployed?

By Taylor Milam | 9/18/2018

Whether you recently lost your job or have been unemployed for a few months, it’s important to make sure you can pay your bills each month—including your credit card bills and other unsecured loans.

Debunking Common FICO Credit Scoring Myths

By Jackie Lam | 9/17/2018

There are some pervading misconceptions about FICO credit scores that just won’t die. We’re here to turn that around. Here are some of the most common myths about FICO Scores, debunked:

The Benefits of Using Nonprofit Debt Consolidation

By Taylor Milam | 9/15/2018

When it comes to debt consolidation, there are a few different options — unsecured loans, balance transfers and mortgage refinances — but nonprofit debt consolidation works a little differently.

What’s the Difference between Splurging and Wasting Money?

By Jesse Campbell | 9/14/2018

The tighter the budget, the more painful our missteps. But when is a misstep really a misstep and when are just being a little too hard on ourselves?

What happens if your lender goes under?

By Louis DeNicola | 9/12/2018

When you take out a loan, you agree to repay the money under the terms of the contract. But imagine you get a notice or see on the news that your lender or loan servicer goes bankrupt. What then?

Are you paying too much for mobile data?

By Emilie Burke | 9/8/2018

Mobile data can be one of the biggest line items on your cellphone bill each month, but do you need all that you’re paying for?

Best Debt Consolidation Options for Poor Credit

By Jackie Lam | 9/7/2018

Consolidating your debts can be a helpful way to simplify debt repayment and save money, but many consolidation options may not be available if you have poor credit.

How Is the Cost of Car Insurance Determined?

By Emilie Burke | 9/4/2018

Car insurance can be a big budget item, but it doesn’t have to be. Knowing how your premium is calculated can help you make better decisions about what kind of car to buy, how to manage your credit, and even where to live.

How to Fund a Surprise PCS

By Emilie Burke | 9/3/2018

If you’re surprised by a permanent change of station notice or concerned that you will be soon, there are a few things you can do to prepare financially.

How Do I Begin Getting Out of Debt?

By Emilie Burke | 9/1/2018

If you're starting to feel the pinch of growing debt, it’s time to take action. There are a few things you can do to get ahead of your impending debt crisis to put yourself in a better place financially.

You Refinanced Your Student Loans and Can't Make a Payment - Now What?

By Louis DeNicola | 8/27/2018

When you refinance your student loans, you’re replacing your current loans with a new private student loan, which don’t offer the lenient repayment plans of federal student loans. As a result, you may have fewer options if you can’t afford your monthly payment. However, there are several steps you could take if you’re having trouble making payments.

Pros and Cons of Debt Consolidation

By Emilie Burke | 8/26/2018

Consolidating your debt to reduce your payments and interest may seem like a good idea, but there are downsides as well. To determine if debt consolidation is the right choice for you, review the pros and cons before deciding.

Is a Debt Management Plan a Good Idea for Me

By Emilie Burke | 8/24/2018

If you’re struggling with debt, a debt management plan (DMP) is one option that may help you get out. But is it right for you? There are several factors to consider when deciding if it’s right for you.

How Much Should You Be Spending on Utilities Each Month

By Emilie Burke | 8/20/2018

Utilities can add up quickly and, unfortunately, most of the time you don’t know what the cost is until you receive the bill. Here's how you can tell if you're spending more than you should be, and what to do if you are.

The Affordable Fall Bucket List

By Emilie Burke | 8/19/2018

Fall is just around the corner and that cool crisp air will be encouraging you to get outside. But your wallet might not agree. Good news though . . . there are a variety of fun fall activities that are free or inexpensive, so no need to worry about your budget.

Best Debt Counseling Services 2018

By Jackie Lam | 8/17/2018

Are you looking for nonprofit credit counseling and debt counseling options? We can help. We’ve rounded up the best debt counseling services of 2018. Here are our top picks.

Eight Tips for Reducing Child Care Costs

By Louis DeNicola | 8/14/2018

No surprise to parents—child care costs can seriously strain a family’s budgets. To help you keep costs under control, while also ensuring your child has a safe and nurturing place to go, consider the following eight child care cost tips.

What is CCCS and how can it help you?

By Emilie Burke | 8/13/2018

If you’re in debt and struggling to get out, you may have heard of CCCS. Consumer Credit Counseling Services (CCCS) offer assistance with budgeting, debt management plans, and financial education.

Tips for buying a car with bad credit

By Haley Kieser | 8/11/2018

Living without a car can be difficult. But having bad credit often stops many buyers from purchasing a new - or even used - car. Luckily, there are plenty of ways to buy a car with bad credit without breaking the bank.

Navigating unemployment when your skills aren’t in demand 

By Emilie Burke | 8/6/2018

Losing a job is always difficult, but if your skills are no longer in demand, it can make your job search even more challenging. When your job skills aren’t in demand anymore, there are a few things you can do to help you get back to work.

Going back to school without breaking the bank

By Emilie Burke | 8/3/2018

Once you leave school and join the “real world” of jobs and bills, going back to school becomes challenging. If you’re thinking about going back to school and want to do it without breaking the bank, there are a few credible options that will help you be successful.

Getting paid before your payday – Products and services that keep you covered until your paycheck arrives

By Louis DeNicola | 7/30/2018

Managing an unexpected expense might be easy if it happens right after payday, or nearly impossible in the days leading up to payday. But what if you could access some of your funds to hold you over?

Five keys to staying positive when you're in between jobs

By Emilie Burke | 7/27/18

When you’re in between jobs, it can be a daily challenge to stay positive. But staying positive between jobs is necessary; not only to help you find your new position, but to keep your spirits up while you search.

Six ways to consolidate debt

By Emilie Burke | 7/23/18

There are several different ways of consolidating debt, and which one you choose will depend on your situation. There isn’t a “best” option that fits all situations, so you’ll need to decide what works best for you.

Dealing with an unexpected vet bill

By Emilie Burke | 7/20/18

When your pet is sick or hurt, the only thing you can think about is getting them better. But in most cases, their illness or injury is unexpected and care is very expensive. The vet bill can cause you to feel a little ill yourself.

Three keys to reducing financial stress

By Emilie Burke | 7/15/18

When you can find ways to reduce your financial stress, you’ll find yourself better able to think of solutions and opportunities will begin to present themselves.

Coping with unexpected unemployment just before retirement

By Jennifer Dial | 7/13/18

Losing a job at any stage of your life is difficult. If you’re approaching retirement and have found yourself unexpectedly out of work, consider the following advice.

How debt consolidation, debt settlement, and a debt management plan could impact your credit

By Louis DeNicola | 7/10/2018

If you’re looking for a way to get debt free, you may be considering consolidating your debts, trying to settle with your creditors, or getting on a debt management plan. It can be important to understand and compare your options, because they could affect your finances and credit in different ways.

Smart grocery tips for seniors

By Emilie Burke | 7/5/2018

If you’re a senior citizen or you care for someone who is, grocery shopping can be a challenge. Bur fortunately, there are a few ways to make sure there’s plenty of good food, even on a tight budget, and even help in getting around.

Common costs of joining an HOA

By Emilie Burke | 7/1/2018

Thinking of buying a new home? Great! Is that home in a neighborhood with a Homeowner’s Association (HOA)? There are some things you need to think about.

The case against deferring your student loan payments

By Louis DeNicola | 6/27/2018

Student loan borrowers may have the option to defer their payments while they’re enrolled at least half-time and during a grace period after leaving school. However, deferring your payments might be a decision that comes back to bite you later.

Can you save money ordering your groceries online?

By Emilie Burke | 6/21/2018

Grocery stores are hoping to make your life easier and encourage you to shop more frequently by offering delivery and curbside pickup services. Everyone’s getting in on it, from the chain grocery stores, to the local stores, to Walmart. But can it save you money?

Five steps to take if you are sued by a creditor

By Emilie Burke | 6/19/2018

If you receive a letter that you’re being sued by a creditor, it can be terrifying. Before panic truly sets in, take a deep breath and pull yourself together. There are some things you can do to keep this bad situation from getting worse.

Three rules of thumb for deal chasers

By Emilie Burke | 6/16/2018

When is a good deal not a good enough deal? Coupons, sales, and specials can be enticing, but they’re not always the best deal. True deal chasers know when to walk away from what may seem like a good deal and you should too.

How to find your credit utilization ratio

By Emilie Burke | 6/13/2018

Trying to determine your credit score, how it’s calculated, and how to improve it can seem overwhelming, but it really comes down to just a few key factors. One of those factors is your credit utilization ratio.

Solving the most common financial challenges facing seniors

By Jesse Campbell | 6/11/18

Seniors face unique financial challenges. Anyone approaching or in retirement needs to be prepared for the inevitable shifts in income and spending that come with such a major life change.

What does it mean to go into foreclosure?

By Louis DeNicola | 6/10/2018

Facing eviction and losing the time, equity, and love you’ve put into a home can be a sad and scary prospect. But it’s important to remember that even if you’re months behind on your mortgage payments, there may be ways to remedy the foreclosure and keep your home.

How to apply for disability benefits

By Emilie Burke | 6/5/2018

If you’re in a situation where you need to apply for disability benefits, there are a few things you should know. First and most importantly, it is a long process.

Pros and cons of meal kits

By Emilie Burke | 6/1/2018

You can’t turn on the TV or flip through a magazine anymore without seeing an ad for a meal kit service. But are they worth it? There are some pros and cons of meal kits to consider before ordering your first box.


Getting medications when you have no income

How to diet on a tight budget

Living consistently with an inconsistent income

What is credit restoration and is it ever legitimate?

Low risk alternatives to traditional savings accounts

Food and Depression – Eating well when you aren’t feeling well

What is a short sale?

Who decides how much your medications cost?

How to save time and money with meal prepping

Financially supporting students doesn't have to cost anything

How much credit card debt is okay when buying a home?

What debt should you pay off first?

What's a reasonable amount to spend on lunch every day?

Can credit card debt be rolled into my mortgage?

What happens if you close a credit card that still has a balance?

Early warning signs you're carrying too much debt

Everything you need to know about settling your debt

Should I repay my debt or invest my money?

How does bankruptcy impact your credit score?

Can credit card debt follow me overseas?

How to set-up a debt repayment plan with the IRS

Get a side gig last year? Here's how your taxes could change

When to do your own taxes and when to bring in a professional

Investments in yourself that always pay off

What the new tax law means for your wallet

There's still time to set financial goals for the year

Five affordable alternatives to movie date nights

Manage your time and master your money

Four times being cheap will cost you

Five best foods to buy frozen

Three ways to stop wasting money in 2018

Can my creditors freeze my bank account?

Ten things you should never buy in December

Seven ways to improve your chances of buying your dream home

Can you get out of debt without paying a dime?

Four steps to a happy Thanksgiving that fits your budget

Three signs a student loan forgiveness program is a scam

This is how credit card debt gets split up in a divorce

How to make debt repayment part of a balanced budget

Does debt consolidation hurt your credit?

How do disaster victims receive their share of all that charitable giving?

Everything you need to know about the Equifax data breach

Seven keys to avoiding post disaster scams

Disaster Recovery Checklist