Debt Managment

If you’re like most hard-working people, you either get paid every week, bi-weekly or once a month. But regardless of the frequency of your pay, the fact still remains that as soon as you get paid, you seem to be “broke” soon after you pay all your bills… This vicious cycle is called living paycheck to paycheck. For some people, they have very little extra money after paying … [Read more...] about Maximizing Your Paycheck: 5 Simple Ways to Lower Your Monthly Bills

Presidential Politics and Student Loans – What to Expect Moving Forward? Politics aside, the cost of college education in the United States is exorbitant. According to a research paper by Erin Duffin [Statista May 5, 2020], the average annual charges in USD for higher education in public and private institutions topped out at $7,051 for public education per student and … [Read more...] about How Will the Elections Affect Student Loan Debts?

Debt has always been seen by society as something of a dirty word, and it’s not hard to understand why. It can easily become a millstone around a person’s neck, one which forces people to work longer hours, take on extra jobs, and never quite gain the freedom they seek. On the other hand, it’s a matter of fact that debt has its role - possibly an essential one - in both … [Read more...] about The 3 Commandments of Sustainable Credit Use

Graduating from school is an achievement, congratulations! It's time to take things into your own hands and transition into adulthood with more responsibilities. Are you a graduate who borrowed student loans to cover your tuition? Don't worry we're here to help you manage your finance. Standing at the threshold of a new world after graduating college is in itself an … [Read more...] about How to Pay Off Student Loan Debt While Still Saving and Investing

It’s easy to rack up large amounts of debt and in a relatively short period of time. However, it can be difficult to maintain. Unfortunately, once you become overwhelmed with debt the road to recovery isn’t instantaneous. It can take many months before you feel relief. On the upside, by making a few changes to your spending habits you can live life … [Read more...] about 6 Quick Tips to Living Life Debt-Free For Life

Taken under the proper circumstances — and handled correctly — a debt consolidation loan can be manna from heaven. You’ll free yourself of debt more quickly and efficiently, you’ll lower your monthly payments and the interest charges you pay will be lower too. However, all of this is predicated upon the nature of your situation and whether or not it is conducive to this … [Read more...] about What to Do Before Applying for a Consolidation Loan

For some people, their debts can overwhelm them to the point they don’t know how they can get out of this predicament. Credit card users, in particular, are at risk of this problem because the more they use their cards, the more they become overwhelmed with the interest they have to pay on top of their balance. If you are a person who finds it hard to manage all your … [Read more...] about 4 Things You Need to Know About Debt Counseling

Debt consolidation is an effective solution to pay off multiple debts, whether it’s a personal loan, credit card, monthly bill, or a combination of any of them. It helps you pay out your existing smaller loans with potentially much lower interest rates and reduced monthly payments, making it a convenient and practical option.   How does debt consolidation work? To … [Read more...] about Debt Consolidation Loans – To Take Control of Your Finances

Is your wallet full of credit cards, and you can no longer keep track of your debts and payments? Are you struggling every month to make several payments on time? Perhaps you should consider consolidating them all together in one debt, with only one monthly payment. This strategy will help you get a lower interest rate and a lower annual percentage rate.  The key is to … [Read more...] about 5 Best Ways to Consolidate Debt That You May Not Have Considered

Are you facing problems paying your bills or the monthly EMIs? Are you in hot water financially? There are many people out there who are in a similar situation as you are. It can be due to loss of jobs, over expenditure, illness in the family, or any other such personal crisis, the situation can be rectified. There are many debt relief programs that can prevent the … [Read more...] about Why Choosing A Debt Relief Program Is Beneficial?