Credit and Debt
Are You Comfortable with Your Level of Debt?
A couple of years ago, a friend of mine made this interesting observation about his financial situation: “I’m comfortable with this level debt. I’m paying it down, but I’m not too worried about paying it down [...]
3 Things Mortgage Lenders Look for in a Borrower
With the mortgage rates at historic low and the housing market recovering from the crash, more people are thinking about accessing home equity or buying a home. Over the past few years, lenders are starting to [...]
Pay Down Your Credit Card Debt Faster with a Balance Transfer
Getting out of credit card debt can be a long and fraustrating process. Every day, interest accumulates on the money owed and every month the bills do not seem to get much smaller. This is particularly [...]
3 Ways to Avoid a Student Loan Debt Crisis
One of the realities of our higher education system is that student loans are increasingly a part of the landscape. According to the Wall Street Journal, two-thirds of students graduate with student loan debt. And according [...]
The Benefits of Being Debt-Free
It never fails. You set out to pay off your debts. You’re ambitious. You snowflake money toward your debts. You go gazelle, as Dave Ramsey would say. You’re successful…for a while. Then you begin to lose [...]
Using Secured Credit Cards to Rebuild Credit after Debt Issues
After suffering from debt issues, you may want to start rebuilding your credit as soon as possible. However, you are likely to find a combination of cold shoulders and vultures – some put you down, and [...]
Reward Cards Without Using Credit? PerkStreet Debit Card Rewards
One of the things I gave up when I cut up my credit cards is credit card rewards. For me, it was well worth it, because my track history is that I haven’t always been responsible [...]
The High Price of “Low Cost” Payday Loans
You’re two weeks away from payday, and your car breaks down. The fix is going to cost $100. The problem is, you don’t have enough money in the bank for food, much less a $100 car [...]
“You Need a Credit Card to Establish Credit”
I was watching Dr. Phil yesterday afternoon, when he interviewed a young couple. They had become engaged, but the young lady hadn’t yet told her mother. But that’s not what jumped out at me. During the [...]
5 Steps to Paying off Credit Cards
Last year my husband and I paid off our credit cards. Finally. We had dreamed about paying off our credit cards from the day we got married. Unfortunately, we didn’t have a plan at first, so [...]
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I'm just an average mom, trying to live a frugal life and get out of debt. I write about things that have (and haven't) worked to improve my family's financial situation. What works for me may or may not work for you, and you should always consult a financial advisor before making important financial decisions.
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