My 3 Biggest Money Mistakes and How You Can Avoid Them

Like most of us, I’ve made my share of money mistakes. I’ve been fortunate that I’ve been able to recover from most of them without too much damage to my finances. However, there are a few that still affect my finances years later, even after they’ve been mostly corrected. Here they are including how you […]

How to Make Room in Your Budget to Knock Out Debt

Because most of your regular income goes to paying for living expenses, there’s often no room in your budget to pay off debt. At least that’s the way appears on the surface. Most of us can cut or eliminate various expenses that will provide the ability to pay off debt. When you actually take a […]

What Assets Can You Keep in a Bankruptcy?

Many people who are carrying enormous amounts of debt are reluctant to file for bankruptcy out of fear that they will “lose everything.” That conjures up visions of being penniless and walking the streets with little more than the clothes on your back. Obviously, no one would choose that outcome if they could possibly avoid […]

How to Pay Off Your Car Loan Early

We often hear and read about the importance of paying off debt such as credit cards, student loans, and mortgages. Lost in the pay-off mania seems to be car loans. Perhaps it is that people have reluctantly accepted that having a car payment is just a fact of life, and therefore pay little attention to […]

Good Debt vs. Bad Debt: What’s the Difference?

A few years ago, you could walk into any bank and get a loan or go to any car dealer and get a preferred rate. Then the stock market went limp, the real estate market burst and instead of standing in line for a brand name coffee, you were in line for unemployment benefits. Good […]

Fair Debt Collection Practices: Your Rights

If you find yourself trying to get out of debt it can be overwhelming to know that you owe a great deal of money. It can be even more overwhelming when collectors contact you repeatedly in order to try and get you to pay. The good news is that you do have some rights. The […]

Credit Card Debt Lessons Learned

Considering the debt I am slowly paying off, I am probably the last person that should be giving advice on how to spend money. But, since approximately 60% of Americans are in debt, I’m definitely not alone. Hopefully what I’ve learned may help you before you find yourself digging out of a financial hole one […]

How to Stay Out of Debt When You Lose Your Job

The economy is finally showing legitimate signs of recovery from the last recession. But millions of people are carrying large amounts of debt owing to long periods of unemployment experienced during the downturn. That experience should strengthen your resolve to avoid the same fate in the future. How can you stay out of debt when […]

How Debt Can Hurt and Help Your Career

When we think of the harm that debt can do, we often just think about the way it can lead to higher loan costs – or the risk of being turned down for a loan. However, debt can also have an impact on your career. Depending on the job you want, and the situation you’re […]

5 Ways to Pay Off Your Mortgage Early

Next to achieving a fully funded self-directed retirement account, paying off your mortgage early is probably the Holy Grail of personal finance success. As well it should be – once you’ve paid off your mortgage, your monthly living expenses take a dramatic drop. That opens up the opportunity to save even more money than you […]

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