The Consumer Financial Protection Bureau report states that more than 80% of payday loans are converted into new loans before they are fully repaid. These loans often trigger a chain reaction, which results in longer repayment of loans. Why Consider a Payday Loan?  Most people who use this type of loan do not utilize the …

Whether you are married or engaged to be married, it is vitally important to discuss your finances together. Regardless of how you structure your accounts, communication is crucial. Setting goals is one of the most important things many couples fail to do together. Whether you are expanding financially for growth or struggling to make ends …

Are you a do-it-yourself type of person? Redesigning adds considerable value to your home. There are plenty of small projects you can do to upgrade your house with little to no cost. Before doing any house renovation, you should thoroughly do a lot of house inspection. It costs you a lot in advance, but knowing …

Applying for funding may seem like an endless process of filling in forms. The process begins with the FAFSA or Free Application for Federal Student Aid. The single application prepares the conditions for the entire credit process. So the more you know in advance, the better prepared you’ll be, and the financial assistance package will …

Anyone who has ever dealt with a debt collection agency knows that it can be an extremely difficult process. It appears that they never seem to get in touch with you at the right time or simply don’t know how to communicate with you. Fortunately, there is a lot of information on how to deal …

Do you often buy overpriced toys for kids even if you cannot afford them? Children spend too much time in front of glowing screens and too little time playing outdoors. These 10 fun-filled activities will let your child interact with the non-electronic world at a low price Bake Cookies Reading recipes, measuring ingredients and following …

Higher education has taken a heavy toll on students around the country, leading many people to question whether a degree is still worth the price. To date, our collective student debt has reached an astounding amount of $1.16 trillion, $31 billion higher than last year. Many students simply cannot afford the cost of higher education, …

Puerto Rico If you are planning your honeymoon in the Caribbean, you can save a considerable amount of money by choosing Puerto Rico. You can book a great suite at La Terraza De San Juan. Rooms start at $137 a night, so you can share the love while enjoying some of the most beautiful ocean …

If you find yourself with an outstanding number of debts, there are some debt settlement companies that promise to reduce, or even eliminate your debts. Sounds like a good option, right? It may appear like a great deal, but debt settlement can be a tricky process. Without adequate knowledge and support from a trusted system, …

Will I be charged a credit interest every time I check my credit rating? This is one of the biggest misconceptions people have about their credit rating, and it could be the sole reason why they are so out of touch when it comes to the topic. Some may tell you otherwise, but the truth …