Keeping your finances in order and your budget on track isn’t always easy, and 2011 may not have been your best year financially. Whether you failed to meet your savings target or you faced a serious financial downfall this year, you can learn from your mistakes and set yourself up for a financial recovery plan […]
5 Financial Mistakes Everyone Should Have Learned Read More »
Facing the reality that you can’t afford car repair can be both stressful and frustrating. With a recent AAA survey revealing that 25% of Americans delay vehicle maintenance due to financial constraints—and many unable to handle even a $1,000 emergency—you’re not alone. The good news is that there are practical, creative solutions that can help
Can’t Afford Car Repair? 7 Smart Fixes—and Do Mechanics Do Payment Plans? Read More »
8 Things to Do If You Can’t Take One More Day at Your Job: If you feel like you can’t take one more day at work, you’re far from alone. Whether it’s the stress, lack of motivation, or a toxic environment, work-related burnout is real—and growing. But while quitting might seem like the only way
8 Things to Do If You Can’t Take One More Day at Your Job Read More »
If one of your New Year’s resolutions for 2012 is to improve your finances in some way, join the club. According to a survey from TD Ameritrade, 73% of Americans will make at least one money-related New Year’s resolution. Regardless of your current economic circumstances, here are 12 crucial and doable financial goals worth putting
12 Financial New Year’s Resolutions Read More »
Q: Hi, I have rec’d an offer of settlement from a collection agency representing CitiCard for about 18% of the current balance. When I asked to have the “line item” (delinquency) deleted from my record (credit report), the manager responded that: 1) it can’t be done; 2)maybe it could be done but only with a
Will Debt Settlement Appear On My Credit Report? Read More »
Even though most American taxpayers wind up getting a tax refund from the federal government, some taxpayers still owe the Internal Revenue Service money and will not get any type of refund until they clear up their balance and pay off any federal taxes owed. If you’re wondering if you will get a tax refund when
Can I Get an Income Tax Refund If I’m Making Payments on Federal Taxes Owed? Read More »
If you were born in America, you’ve been issued a Social Security card. But what about Americans living in Canada or residents north of the U.S. border? If you are a Canadian citizen, temporary resident, or a newcomer to Canada, the Canadian government will assign you a Social Insurance Number (SIN). This number is required
What is a SIN Card? Is it like a Social Security Card? Read More »
College students who end up carrying a credit card throughout their college careers need to be aware of the repercussions of credit card spending before they charge those books, tuition fees, and entertainment expenses. Many students end up graduating with incredibly high credit card bills because they develop a credit card habit early and end
4 Tips to Select a Credit Card for Your Kid Going to College Read More »
In my previous column, I explained three red flags about your finances that you should be concerned with fixing immediately. Those previous three issues might seem like obvious economic problems. But what about three factors that are not as obvious? They too could set you up to be a financial train wreck. Here are another
3 More Signs You’re a Financial Train Wreck Waiting to Happen Read More »
You need your Social Security card (or at least your Social Security number) to apply for a job, get insurance benefits, file income taxes, and to open up a bank account or seek credit. If you’ve lost your Social Security Card or damage it in some way, you can request a replacement card directly through the U.S. Social Security
Quick Tips to Replace Your Lost Social Security Card Read More »
Going through a divorce will take its toll on your emotional and financial well-being. But did you know that it can also affect your credit score? When you’re thinking about getting a divorce, or already going through divorce, worrying about your credit score is probably low on the priority list but it’s not something you
5 Tips to Protect Your Credit Score During a Divorce Read More »
In the final days before Christmas, a lot of people will be buying gift cards for relatives, friends and co-workers. In fact, Americans will plunk down $28 billion for gifts cards over the holidays, with the average shopper spending $155 on gift cards, according to the National Retail Federation. Since gift cards are the single-most
Gift Cards: The Funny Hidden Messages Behind Giving and Receiving Gift Cards Read More »
How well did you meet the financial goals you made on January 1 this past year? If you’re still struggling to keep that budget in order or you had to deal with some major financial emergencies this past year, now would be a great time re-evaluate your financial standing and set some new goals for
5 Tips to Help You Achieve Your Financial Goals in the New Year Read More »
3 Signs You’re a Financial Train Wreck Waiting to Happen: As a Money Coach, I frequently hear from people who feel like they’re just one misstep away from financial ruin. Some are right—they’re drowning in debt or have little to no savings. Others are simply overwhelmed, unsure how to get back on track. How can
3 Signs You’re a Financial Train Wreck Waiting to Happen Read More »
With millions of Americans owing so much money on their credit card balances, it’s no wonder that a lot of them are looking at peer-to-peer loans as a way to pay down debt more quickly and have a lower interest rate. Getting credit or loans more cheaply is obviously a good thing for those who need
3 Ways a Peer-to-Peer Loan is Better for Your Credit Score Than Credit Card Debt Read More »
