When you think of frugal living, what image comes to mind? Is it that of a penny-saving miser or of someone who finds ways to cut back expenses and save with a purpose? Frugality isn’t just about the act of saving money. It’s also about controlling your spending to afford…
Life doesn’t seem that complicated at first, but then it picks up speed. And quickly. Jobs come and go, you get married, start a family and priorities change. There’s new responsibilities and financial needs you have to manage. Learning the proper money skills is essential to reach your goals and…
A drop in income or an emergency expense can happen at a moment’s notice, making it difficult to afford your rent. It’s not a unique situation: for millions of Americans, it’s become harder than ever to pay the rent. Whether your financial difficulties are temporary or could continue for a…
If you can’t pay your debts, personal bankruptcy can help you get a financial fresh start. Depending on the type of bankruptcy you file, you’ll be selling assets to repay your debts or you’ll create a repayment plan you can afford. Bankruptcy likely won’t eliminate all of your debts. But…
Are debt collectors garnishing your wages or taking money from your bank account? You’re not alone. Wages and bank accounts are the most frequently garnished property in the US. In a recent study by ADP, a payroll processor, about 7% of the population has a wage garnishment. For Generation Xers…
Most of us are very good at keeping a watchful eye over our money. So when I found out the percentage of people who have unclaimed property, I was shocked. I’d thought the number would be very small. But it isn’t. It turns out that about 1 in 10 Americans have…
If your credit score has stumbled because of past problems, a secured credit card can help you rebuild it. By building your credit, you’ll improve your chances of qualifying for the best credit card offers. Secured credit cards give you another go at managing credit. If you pay on time…