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 »
A reader of AskTheMoneyCoach.com wanted to know how long a medical debt stays on their credit report, and what happens if they make an agreement to start paying it again. This is what the person asked: Q: Is it true if you call to inquire about a medical bill, the time starts all over again
Can Calling About a Medical Bill or Debt Make It Stay Longer on Your Credit Report? Read More »
If you’ve lost your Social Security card or maybe even had your Social Security number stolen, this is a very serious issue, because it could make you a victim of identity theft. The Federal Trade Commission says that identity theft strikes about 10 million Americans every single year. And the risks of identity theft are
Lost or Stolen Social Security Card? Here’s Advice You Need Read More »
Would you like it if somebody gave you a “gift” this holiday season that wound up costing you more than $30,000? I don’t know about you, but I’d consider that one very expensive “gift” that I’d certainly want to return. Yet, every year people give their loved ones financed or leased cars as “gifts.” “I
Don’t Gift The Gift of Debt This Holiday Season Read More »
The Head of Household filing status can mean a lower tax rate and higher standard deduction than a single taxpayer. Many people who are claiming this filing status wonder if they have to claim a child as a dependent on their return in order to qualify. The definition for this filing status is very specific
Head of Household? Do You Have to Claim a Child as a Dependent? Read More »
If you’re ready to get your finances in tip top shape for the New Year, there is one simple strategy that can help you achieve economic security and success. The strategy is to ask yourself “What if?” and then come up with a preventive or proactive solution. “What if”: I lose my job (Would you
Planning Your Finances? Use This One Strategy For Economic Success Read More »
My Credit Was Ruined Over Medical Bills and Health Issues—Now What? If medical bills or a personal health crisis caused your once-solid credit score to nosedive, you’re not alone. Millions of Americans experience financial strain due to healthcare costs, and even a brief period of missed payments can leave a lasting mark on your credit
My Credit Was Ruined Over Medical Bills and Health Issues—Now What? Read More »
From birth to 18, a girl needs good parents. From 18 to 35, she needs good looks, from 35 to 55, good personality. From 55 on, she needs good cash. I’m saving my money. ~ Sophie Tucker Well, I better start saving my money. I’m too old to get help from my parents and I am
How to Turn Spending into Saving Read More »
