Discover how to negotiate with creditors effectively using 5 proven strategies. Learn how to lower interest rates, set repayment plans, and avoid financial stress.
Negotiate with Creditors: 5 Proven Strategies to Reduce Debt Read More »
Starting a new job or getting a promotion can be an exciting but also stressful time. In addition to adjusting to your new position and workplace, you may find yourself adjusting your personal budget and finances. Whether you’ve been out of work for a while and are just now getting back on your feet, or
7 Money Mistakes to Avoid at Your New Job Read More »
You may be very disciplined with your spending habits and don’t have trouble sticking to a budget. But what happens when your significant other has a completely different money personality and loves to spend? Money issues present challenges for many couples – especially those that have conflicting money personalities or different spending habits. Learning
7 Tips to Manage Your Budget When Your Spouse Loves to Spend Read More »
Do you have basic cable but would love to have HBO and Cinemax? If so, you may have avoided upgrading to a premium cable package because of the cost involved. After all, basic cable typically costs roughly $15 to $20 a month, while premium cable can set you back anywhere from about $60 to $120
Here’s How to Get Free HBO and Cinemax Read More »
Even though you might be very good about paying your credit cards on time, knocking out your balances in full each month, or keeping your debts to a minimum, you might still be making some common mistakes with your credit.
5 Credit Card Debt Traps to Avoid Read More »
7 Smart Ways to Increase Your Take Home Pay Without Changing Jobs: If you’re putting in long hours and love where you work but still wish your paycheck stretched further, you’re not alone. Many professionals wonder how to increase their income without changing employers. The good news? You don’t need a new job to improve
7 Smart Ways to Increase Your Take Home Pay Without Changing Jobs Read More »
If you have cash in the bank, should you use it to pay off your credit card debt? The answer: absolutely. Here’s the mental dilemma some of you are facing: it’s not that you can’t really afford to pay off your debt. It’s just you can’t psychologically bear to part with that hard‑earned cash you’re
Making the Mental Decision to Pay Off Credit Card Debt Read More »
If you’re hoping to refinance your mortgage, but are worried about having bad credit, there’s good news and bad news. The good news is that you can get a new home loan, and bad credit alone won’t stop you from refinancing your existing house note. The bad news is that a poor credit rating will
Can I Refinance My Mortgage if I Have Bad Credit? Read More »
If you want to pursue an undergraduate degree or you’re considering going to graduate school but want avoid taking out student loans, there are alternative ways to pay for higher education costs. Here are four smart ways to pay for college or grad school without student loans.
4 Smart Ways to Pay For College or Grad School Without Student Loans Read More »
If you’re thinking about doing a credit card balance transfer, you may have a lot of questions or worries about whether or not you’re getting a good deal. It’s smart to ask questions upfront, because not every balance transfer offer is a good one. So here’s how to know whether you should transfer a balance
Balance Transfer Offers Pros and Cons Read More »
If you have federal student loans, you actually have numerous options from which to choose in order to repay those college debts. All of the payment plans generally range from as few as 10 years to as long as 25 years. The exact term and the repayment plan options that are granted to you
Student Loan Repayment Plan Options Read More »
A reader of AskTheMoneyCoach.com is dealing with a potential foreclosure situation. Of course, they’re trying to avoid foreclosure. This individual is interested in getting a loan modification and has gotten an offer for help. The dilemma this person is facing, however, is, whether or not this company offering loan modification services is indeed reputable and
Is This Loan Modification Offer Legitimate or a Scam? Read More »
When you get a federal student loan deferment or forbearance, it’s a way for the government to allow you to temporarily postpone making repayments on your student loans, or to alter the terms of your debt repayment schedule. Any period where you have a deferment or forbearance doesn’t count towards the maximum length of time
Student Loan Deferment and Forbearance Explained Read More »
As tough as it may be to repay your student loans, there actually are several incentives for you to pay off those college debts and to do so on time. Essentially, you can get one or more repayment incentives as a way to encourage you to make those student loan payments in a timely fashion.
Here Are a Few Incentives to Repay Your Student Loans Read More »
A reader wanted to know when they have to make their first student loan payment after college. Generally speaking, you have to make your first payment on federal student loans six months after you leave school. This applies to the person who graduates, somebody who drops out of school, or even those who simply fall
When is My First Student Loan Payment Due? Read More »
