debt

In recent years, the Buy Now, Pay Later (BNPL) service has become an increasingly popular way for consumers to make purchases and spread the cost over time. This payment option is widely available, allowing consumers to buy everything from clothes to electronics, and even groceries, and pay later in installments, often without interest. While BNPL

Keep reading

Talking about student loans can be an uncomfortable subject. Considering how stressful your debt pay-off journey can be, it’s easy to get overwhelmed by how much you still owe. Fortunately, there are a few ways to successfully pay off your student loans in a speedy fashion so you can finally breathe that sigh of relief

Keep reading

Many people live together before getting married and have begun the process of combining accounts and sharing responsibilities. However, some people wait to do this only after marriage, and others wait until they’re married to live together. Whichever path you’ve chosen, it’s still crucial to know a few tips to manage money together as newlyweds

Keep reading

Entering your 20s means you’ll quickly need to learn how to navigate the world of personal finances, much of which you probably didn’t learn in college or high school courses. Without any previous lessons on finances, it can be challenging to know where to start. Follow this guide as we outline the financial decisions you’ll

Keep reading

Debt collection is a whopping $11.5 billion industry, and around 28% of Americans currently owe money and are being sought out by a third party debt collection agency, according to the Bureau of Consumer Financial Protection (BCFP). Debt collectors often prey on creditors’ ignorance. In 2018 alone, the Federal Trade Commission (FTC) banned 32 companies

Keep reading

We’ve seen the statistics: 1 in 8 Americans live below the poverty line. 71 million have accrued debt in collections. 55 million of us don’t have anything saved in an emergency fund. An estimated 40 percent struggle to cover basic needs like food and housing costs. [shortcode-1-In-Article-Banner-728×60] We know money struggles are widespread, but the

Keep reading

We’re taught a lot of useful things in school (how to tell time, multiplication tables, how to find—or at least attempt to find—Oklahoma on a map) and some not so useful (geometry). But do you ever wish you’d been taught some real life skills instead? Skills you may have had to learn the hard way,

Keep reading

Tax debt can become a major source of stress. Wouldn’t it be great to just make one payment and have all your tax debt disappear? With an offer in compromise (OIC), that’s possible. Whether you have major debt, are just getting started in your career, or are in another situation that has made it difficult

Keep reading

Debt is an almost unavoidable part of life, and with high-interest rates and late fees, getting out of it can feel like an uphill battle. To make it even harder, most credit cards charge transfer fees, even those with 0% balance transfer offers. The average transfer fee is about 3% of the amount transferred, which

Keep reading

Everyone uses credit cards maybe a little too much. In the United States, the collective credit card debt total in 2015 reached $60 billion. The average household credit card balance is at almost $7,200. Some of this debt is necessary. Some Americans charge medical and emergency expenses to credit cards. However, a lot of this

Keep reading