best credit cards

The Best Credit Cards to Use During the Holidays

Charging on your credit cards excessively during the holidays is a surefire way to have a debt hangover when the New Year rolls around. So no matter how much you want to take part in holiday festivities and door-buster sales, it’s obviously a bad idea to engage in unbridled spending using the plastic in your

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Person with curly hair wearing a red shirt extends their hand towards the camera, fingers spread, as if reaching out to collectors against a white background.

How to Stop Bill Collectors From Harassing You By Using a Cease and Desist Letter

 It’s no picnic when your bills are overdue and debt collectors are calling you at all hours, harassing you non-stop at home or work. But just because you may (or may not) owe some company money, that doesn’t give an overly aggressive bill collector a free pass to violate your legal rights, intimidate and harass

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A shredded document with visible pieces, including a partial Social Security card, possibly linked to payday lenders.

Payday Lenders and Check Cashing Stores Put Consumers At Risk of ID Theft

Add this to the list of reasons you should stay away from payday lenders: they might not handle your personal information very carefully, putting you at risk of identity theft and other problems. In fact, your personal data – everything from your Social Security number to your bank account number – may have been dangerously

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protect your money

5 Tips to Protect Your Money While Traveling During the Holidays

I recently wrote about easy ways to lower airfare costs if you’re traveling during the holidays. Now I want to tell you 5 quick ideas for protecting your money if you’re away this November, December or even into the New Year. Tip #1: Have a Game Plan For starters, you need to establish a plan, particularly if you go

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hurricane sandy

4 Financial Lessons Learned From Hurricane Sandy

My family – like millions of others along the East Coast – has had to tough it out this past week in the wake of Hurricane Sandy. We’ve been without power for more than seven days. We still have no lights or phone service; cell phone coverage has been mostly non-existent; and needless to say

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A graduation cap with a red price tag displaying dollar signs hangs off one corner, hinting at the significance of a Pell Grant.

Do I Qualify for a Pell Grant for College?

Unlike a student loan, a federal Pell Grant for college does not have to be repaid. A Pell Grant is a need–based grant that is provided to low-income students. Pell Grant award amounts change every year, but the amount you can receive will depend on several factors including your financial need and the cost of

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